Day: June 29, 2017

A Possible Solution to High COBRA Premiums

COBRA costs in the 2006 survey averaged $9,914 per year, 19% higher than two years ago. That’s on average $826 per month. If you elect COBRA coverage, you must make the initial premium payment within 45 days of your COBRA enrollment. If you don’t make the initial premium payment within those 45 days, your coverage will typically be terminated.

Now, as a rule people enroll for COBRA benefits for one of several reasons and they could be, lay off, retirement, change in job status such as reduction in hours, death of a spouse or divorce to name a few. As I’m sure you’ve noticed none of the reasons I mentioned for getting on COBRA are positive life changes, in fact the only positive reason I can find for COBRA would be retirement (if it is voluntary).

In the summer of 2002 my family fell into this issue directly as I was laid off from my manufacturing job here in southeast Michigan. My monthly COBRA payment was $786.00 per month. For any average working class family this financial burden would be devastating and our family was no exception. Our issue matched those of many other families and was simply this; our income had been reduced to my unemployment check. That unemployment income amounted to $1448.00 per month, minus $786.00 for COBRA left us a grand total of $662.00 per month to cover all our other expenses, seriously? And even that amount was before taxes!

The question I needed to answer was this: Do I pay the $786 per month and deplete our savings account substantially faster or simply go without heath insurance until I found new employment. My plan was to go without, until finding new employment. Then a few days later my wife informed me she was pregnant, thus more or less forcing us to pay the high premium and mind you this price was for an HMO plan!

A few years after our dilemma had come to pass my best friend found him self in the same situation we were in. Out of work with no benefits and financially strapped. Now for my friend COBRA was not even an option as he had recently remarried and had six children living with him. Fortunately for him I had found an alternative.

The alternative is Consumer Driven Health care. There are several companies that offer this product, I directed him to one named Ameriplan USA. I selected Ameriplan for several reasons, 1. They are the innovator of this line of Health care. 2. They are the industry leader. 3. Most importantly to me they have strong ties to the Consumer Health Alliance, the governing body that regulates their industry.

When he looked into it and found the program would save him over $600 per month in premiums along with nearly $700 on immediate Dental needs his family had they enrolled immediately.

I sincerely wish I had this information myself in 2002 when my family was faced with its health care crisis. …

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A Beginners Guide To Resources

What Can You Benefit through Life Coaching?

If you have heard about life coaches, you might have a general idea about the work that they accomplish in their professions, how they help and guide people who seek their help in a time of trouble or confusion. However, this general idea might not be very satisfying to you, and you might wish to delve even deeper, to understand the specific and numerous benefits that those who decide to visit a life coach and to talk to and gain help from this professional will be able to benefit. These people might wish to visit a life coach themselves, but first wish to be educated about the process and the things that they can expect when they decide to take this step. You will definitely be glad to know that when you do some research and do some reading about life coaches, you will be able to find that there are indeed so many great benefits involved in visiting one.

The first thing that people will be able to enjoy through life coaching is the benefit of being able to gain the clarity that they need to see what goals they want to achieve in their lives. If you are like a lot of people in the world of today, you might be confused as to which goals you really want to accomplish, and being thus confused, you might not be able to achieve anything much. The good news is that with the help of a life coach, people can see more clearly the direction which they must go, which will help them make more sense of their lives.

Another thing that people will be able to enjoy when they decide to visit a life coach is the benefit of being able to gain the change that they might want to see in their lives. This is because when you have a life coach, you will feel accountable to someone, and this is certainly a very powerful tool that might lead you to accomplishing the change which might not yet have come to your life until now. If you feel that you have habits which seem impossible for you to break and get over, then, or that your life is going around in circles, you might just be able to turn things around and achieve change with the help of a life coach.

One who is able to find a good life coach will also be able to benefit because this professional will give him or her unbiased advice and input. Your family and your friends can certainly give you support and advice, but sometimes you need to hear the advice of someone who is unbiased, someone from the outside who does not have any attachment of friendship or love for you.

One who visits a reputable and an experienced life coach, then, will definitely be able to enjoy benefits and advantages which are truly wonderful and truly satisfying.…

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Short Course on Resources – Getting to Square 1

Know How to Effectively Locate the Best Success Coach

It really is not easy to succeed and the need to consider seeking a professional will be needed to assure such goal, reason why you should be careful to find the right success coach. Make sure that you will want to confirm that you are going to hire a success coach who really is capable of getting the job done and that they are confirmed to be experts in the industry. See to it that you will want to consider checking on the very things that we have for you to increase the odds of actually picking the right one for your very needs.

To make sure that you will look into such will then provide you with a good understanding and an increased assurance that you will have the right one chosen. To consider looking into such matter really is something that will then lead to ensure that you will have a great investment at the end of the day.

Making sure that you will want to look into the right things is important since there will be a whole lot of these you could choose from. Be sure that you will want to check and look into the very items that we have below for you to have a better chance at working with the right success coach. To make sure that you will check on the right things is really important, because of it being that you will have a better assurance that your investment will most likely return to you tenfold.

When choosing the right success coach, it is ideal that you will have to choose one who actually specializes on the type of job you need done. It also is quite possible and needed for you to choose one who has a handful of years of experience in the industry as a success coach. Consider checking on such type of specifics and you should then be able to assure that the path you take is as per the right specifics.

It also is important and ideal for you to check their respective websites as well since this should hold a ton of valuable information that you could use to assure that you will have as much information about the success coach and for you to also check the feedback and reviews.

The right success coach should want to do more and go for the extra mile just so the client will be provided with the right things. Having to consider investing on such matter really is something that will assure that your investment will return tenfold, reason why it pays to carefully choose the right one, one that actually is able to provide you with the best results.…

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