Independent Insurance

Physical Exam Requirements For Insurance vary by state. The standard physical exam covers blood work, a metabolic panel, weight measurement, and HIV and Hepatitis screening. Comprehensive metabolic panels include a complete blood count, electrolytes, kidney function, cholesterol, thyroid function, and triglycerides. Other standard tests include routine complete STD tests for HIV, Gonorrhea, and Herpes. Infectious disease screening The United States Centers for Disease Control and Prevention (CDC) made recommendations for STI screening in its 2021 guidelines. Additionally, the United States Preventive Services Task Force published guidelines for STI screening in persons with HIV. The guidelines recommended by this topic are consistent with national and subspecialty group recommendations. The benefits of STI screening are numerous. For example, it can reduce your personal risk for reproductive sequelae, decrease your likelihood of transmitting the disease to your sex partner, and improve

  Sproutt is an online life insurance broker that rewards healthy lifestyles with lower premiums. In this review, we'll look at how Sproutt compares to other portals and whether it's worth the money. This insurance broker rewards healthy lifestyles with low premiums, but do they require a medical exam? What do the companies look for in their policies? And, will you be covered if something happens to you? Sproutt is a life insurance broker Sproutt is a web-based life insurance broker that compares multiple life insurance quotes for you. This online tool also offers licensed advisors who can help you build a custom plan that best fits your needs. Some insurance providers allow applicants to avoid a medical exam and pay no underwriting commission. Sproutt is free to use and earns a flat commission based on the sale of your policy. The service is backed by several venture capitalists, including MS&AD Ventures and State of Mind Ventures. In addition to its own venture capital, S

  Before you buy a home warranty, you need to know what to look for. A comprehensive plan may cover appliances and cover repairs for some items like roofs and pest control. A limited plan might even cover re-keying services. This article will give you an overview of the different types of home warranty plans and how to choose the best one for your needs. Here are the important factors to consider. And remember, the more coverage you get, the more money you'll save! Costs While the average cost of a home warranty is $300 to $600 annually, this amount can vary depending on the type of coverage and add-ons chosen. The total cost of a home warranty plan can run from $300 to $2000 per year, depending on the type of coverage chosen and the area of residence. Some plans have a service call fee, which can range from $60 to $125 per visit. In many cases, the cost of a service call will be less than the cost of a covered repair. Home warranty companies take a calculated risk. They need to co

  A Choice Home Warranty is a type of extended limited warranty. Customers can purchase a one-year warranty up front or pay in monthly installments. Then, when an appliance covered by the warranty breaks down, they must make a claim. Once they have a breakdown, a local service professional will contact them to schedule an appointment. Costs depend on the state you live in. You must check with the company to find out which service plan is right for your home. Choice Home Warranty offers two service plans The Choice Home Warranty covers gas and electric appliances, as well as free-standing appliances. Some appliances are not covered, however, including clocks, rotisseries, racks, and door seals. Additionally, the Choice Home Warranty does not cover water closets, sinks, or plumbing fixtures. To learn more about this coverage, read our review below. We also offer a comparison of the two plans, and provide some tips to choose the right one for your home. You can choose between two differen

  There are many benefits of annuities, and some are more suitable than others. Read this article to learn more about the benefits of variable, index, deferred, and fixed income annuities. You may even be able to get advice from an advisor on which annuity is best for you. In the end, it will all depend on your personal circumstances and goals. But, before choosing an annuity, make sure you understand its benefits and drawbacks. Variable annuities Annuities have long been an effective strategy for managing longevity risk. You may purchase an annuity with a lump sum payment or pay recurring premiums for a set period of time. Regardless of the term of your policy, you can receive additional income upon the designated date. In many cases, this income will last throughout your life. These annuities are designed to provide tax-deferred growth and income. Before purchasing a variable annuity, you should read the product prospectus to ensure that it is suitable for your situation. This docume

  If you're looking to secure your future, you should consider purchasing one of the many types of Guardian annuities. There are many benefits to this type of policy. These include guaranteed lifetime income, flexible access, growth potential, and control. Read on to learn more. The following are some of the main characteristics of Guardian annuities. Read on to find out how to choose the right one for you. You'll be glad you did. Guaranteed income for life A guardian annuity is a type of investment that provides guaranteed income for life for the owner. The company that issues the product, The Guardian Insurance & Annuity Company, Inc, consistently receives exemplary ratings from all major rating agencies, including A.M. Best, Fitch Ratings, Moody's Investors Service, and Standard & Poor's. As with all investments, there are certain risks, including the possibility that the investment may be worth more or less than it cost at the time of purchase. The benefits

  The Blue Cross Blue Shield health insurance network consists of 36 independent companies offering health insurance in all 50 U.S. states. These companies partner with ninety percent of doctors and hospitals. They insure one in three Americans. Since its humble beginnings as a cooperative prepaid hospital plan in 1929, the Blue Cross Blue Shield network has focused on providing tailored products that meet the specific needs of communities. In this article, we'll take a closer look at the Blue Cross Blue Shield companies in each state and discuss the advantages of each. Horizon Blue Cross Blue Shield of New Jersey Horizon Blue Cross Blue Shield of New Jersey (BCBSNJ) is a tax-paying not-for-profit health plan that serves more than 3.8 million members. Its value-based care initiatives have helped lower overall health care costs and improve quality of care. Horizon BCBSNJ has an extensive network of more than 33,000 providers. The company's values-based care initiatives are a gre

  If you are considering getting car insurance, Progressive insurance may be the right choice. In this article, we will discuss their business plan, rates, complaints, and Snapshot(r) program. Hopefully, this information will help you decide if this company is right for you. Alternatively, you may want to consider a different company. Regardless of the route you choose, you will be glad you made the decision to work with them. Listed below are some of the most important points to consider when shopping for insurance. Rates If you're in the market for insurance, you may be surprised by the number of discounts available with Progressive. Many people are surprised to discover that they can save as much as 12 percent by bundling multiple policies with Progressive. The company offers discounts for multiple policies such as home and auto insurance, as well as bundling different types of policies. Here are some ways to save money with Progressive insurance. Also, be sure to ask about the

  State Farm has long been considered one of the cheapest car insurance companies, with insurance for just $1,583 per year. Especially if you've had an at-fault accident in the past, State Farm may be a great option for you. However, if you're in a situation where you've had an accident that was not your fault, it's worth checking out some of the other companies, such as Allstate, Nationwide, and GEICO. GEICO One of the best ways to save on car insurance is to shop around for multiple quotes. GEICO is one of the best car insurance companies to shop around with, and its cheap rates will surprise you. You can save hundreds of dollars by shopping around and avoiding the high-pressure sales tactics. Geico also offers a variety of discounts for members of partner organizations. The company focuses on lowering premiums, and its customer service is second to none. According to Insider research, GEICO will be the cheapest major car insurance company through 2022. Erie comes in

  In order to receive payment from Medicare, providers must accept assignment. If they do not, they are prohibited from billing Medicare for the care they provide. However, they can still charge Medicare patients the 20% coinsurance or applicable deductible amount. Therefore, patients should ask their providers if they are participating, non-participating, or opting out. Medicare beneficiaries can check a provider's status with Physician Compare. Fortunately, the new rules have made this process easier. Plan F is the most comprehensive Medicare insurance plan The basic benefits of Plan F are the same for most states. However, your premium may vary from state to state, as medical underwriting is required for Plan F. If you have a preexisting medical condition, a medical exam may be required before your policy is approved. Medical underwriting is an important part of a policy's approval, because it can affect your eligibility for coverage. As far as coverage goes, Plan F is the m

  There are many things to consider when choosing Delta Dental Insurance. In this article, we will discuss Plan options, Network of dentists, Cost, and Waiting period. We will also look at the options for claiming benefits. To get the most out of your Delta Dental plan, here are a few tips: Plan options You have several options when choosing a Delta dental insurance plan. The basic plan will cover preventive and basic dental care. It will not cover major dental services like root canals and oral surgery. Delta dental insurance plan options vary by state. Some Delta dental insurance plans are only available to full-time employees. However, if you have a family, Delta Dental has affordable family plans available. You can also choose to purchase an HMO dental plan without deductibles or annual maximums. There are three Delta dental insurance plan options available to you. The Standard plan provides benefits only when you visit a dentist that belongs to the Delta dental PPO network. The d