by Ethan Kalvin If you are one of the millions who don’t have health insurance because you think you can’t afford it, you may want to rethink that. Consider the story of a lady we’ll call Mary. On a typical drive home from work one night, she was suddenly hit head-on by a huge eighteen wheeler. Her car was turned into a mangled pile of metal and Mary nearly lost her life. The paramedics lifted Mary into the ambulance and rushed her to the hospital. Multiple Fractures, a punctured lung, and third degree burns covered her legs – but she was alive. As she lay in her hospital...

by Ethan Kalvin No matter where you are in live, chances are you have some type of insurance, whether it is home owner’s, health, dental, automobile, or life insurance. Illness is rampant and as long as the medical industry seems to be making more and charging more, then health insurance will be a requirement. Homeowner’s insurance is required by the lender. And automobile insurance is also required by the lender, and often the state. Insurance coverage is a right that every citizen should be able to have and afford. Our teetering economy is at its weakest in over 100 years and folks...

by Ethan Kalvin We all have heard horror stories of hospitals charging $75 for an aspirin. The truth is that there is some adminstration fee incorporated into that $75, but nonetheless it does seem a bit steep. The result, however, is that these stories cause people not to trust hospitals with regard to their bill. Overbilling is not an uncommon thing, and it is always a good idea to review a hospital bill line by line. In one recent example, a young couple, he a doctor and she a nurse, had a bad billing experience. The husband had been hospitalized for a short time, and the wife began to review...

by Ethan Kalvin With health insurance rates skyrocketing, we all would like to experience a little bit of relief. And you may be surprised to know that there are actually some things you can do to reduce your health care costs without losing coverage you don’t need. First you must consider that everyone has diferent needs and in order to find the best plan for you, you’ll need to do some research and legwork. And as you do, you’ll likely discover that some benefits are grossly overpriced for the dividends they provide, and some benefits are a good value. Here are some tips to...

by Ethan Kalvin Lawmakers are becoming more and more plugged in to the fact that health care and health insurance reform are issues that the American people are extremely concerned about. The unusually large amount of attention and legislation in 2008 supports that fact. As more and more are losing their health care coverage due to continued increases in deductibles, skyrocketing prescriptions and insurance premiums, Congress is likely to act in 2009, according to the consensus recently at a Washington DC health care forum sponsored by two non-partisan groups. Since Senator Kennedy (D-MA)...