by Ethan Kalvin Insurance is actually not an expense but an investment in your financial future. Working hard in today’s society means building up assets over time that increase your net worth. If you are successful at doing this, then you certainly don’t want to take a chance that one mishap could wipe you out and put you in financial ruin. This situation happens to more people than you would imagine. The only sure way to protect your assets is for you to have full insurance coverage. Insurance such as health insurance, car insurance, life insurance and disability insurance can...

by Ethan Kalvin In a dramatic news announcement, China recently stated that they will begin providing health care coverage for almost all of their 1.3 billion citizens. The cost is estimated at $123 billion over the next three years for coverage. Currently, government health care assistance is provided for a limited few Chinese citizens. It is estimated that by 2011, 90 percent of Chinese citizens in urban and rural areas will have access to basic medical services. There will also be a concerted effort to assure that the quality of coverage is equal in rural and urban areas. The government was...

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)...