Porama Insurance Services

Anthem Blue Cross

2012-01-25T18:30:00.000-08:00

How to Find the Right Insurance Program

2012-01-24T17:39:00.000-08:00

Looking for a health insurance that’s right for you? Worry no more! Anthem Blue Cross offers member-focused service, a wide variety of plans and doctors that you can choose from and good financial strength all at an affordable rates.

Anthem Blue Cross offers the following Services:

Individuals and Families
Services for Current Individual Members
Medicare Eligible
Services for Current Senior Members
Groups of 2-50
Services for Current Small Group Members
Services for Current Small Group Employers

Online enrollment is also available for Medical, Life and Dental Insurance. If you are eligible for Medicare, you can enroll right away and there are a lot of options that you can choose from. Visit their website now www.ezhealthcoverage.com.

PORAMA SRIJINDA

P O BOX 928381

SAN DIEGO, CA 92122

Phone: 855-429-2011
Fax: 855-429-2515
License: 0D29697

Travel Insurance

2012-01-24T06:26:00.000-08:00

If you are considering a trip overseas, don’t assume that just because you have excellent medical, auto, and home insurance that you will have the necessary insurance protection. Many situations can occur while traveling that may not be covered by your insurance. Therefore, it’s important to consider if you will need travel health insurance or some other applicable international travel insurance policy. Below is a list of situations that may not be covered:

accidents
illness
dental care
trip cancellations
lost luggage
rental car damage

Consider International Travel Insurance to Plan for the Unexpected

Planning an overseas trip starts with planning for the unexpected. Purchasing additional insurance when you travel is one of the best ways to cover the unexpected. However, before you start researching travel insurance, review your current insurance policies. Check if you have any travel health insurance and/or international travel insurance coverage on any of your policies. Some homeowner’s insurance policies and renter's policies cover your personal property and liability (such as you accidentally hitting someone with your luggage and break a toe) anywhere in the world, so if you already have this coverage there is no point in buying more. If you don't have enough travel coverage in your current insurance policies, including travel health insurance coverage, then you will want to contact your travel agent or insurance agent for additional international travel insurance policies.

www.ezhealthcoverage.com

Travel Insurance Booked! What to do next?

2012-01-24T06:13:00.000-08:00

So after you have picked the right travel plan that suits your needs, you ask yourself what’s the next step that you are going to take. Well, this article is going to help you with these 4 tips.

Here’s what you should do next:

After your purchase, print your confirmation email from your travel insurance company. With you having a printed copy, you will be sure that you will never get lost in your plan. The confirmation email includes the general information about your purchased plan, your policy number, the effective dates and the emergency numbers that you can contact should there be any need for further clarifications. After you print it out, you can put it in your wallet or any folder and you can basically carry it during your trip. It is also wise to print an extra copy in case one gets lost, better be sure than sorry.

Read the Policy and Review it again

Travel insurance companies want only the best for their clients so they offer a free look period for a number of days after your purchase. Be sure to read it over and over, not just once because if ever a client is not satisfied with the chosen plan, they can give a full refund. So review and read it and be sure that you understand all the services covered in your travel insurance plan.

Review the Exclusion Section

Please use your free look period wisely by reviewing it over and over making sure that you haven’t missed any important details. The Exclusion Section lists services that are not covered by your travel insurance plan.

Contact your InsuranceCompany

Don’t be afraid to call your Insurance Company if you have any queries regarding your plan. If you need to cancel because of a valid reason, call them ahead and explain why. They will be happy to help you if you have any questions. They will also advise you what is the best thing you can do if you’re in a tight situation. If your Insurance company has a 24/7 call or chat support, then it is best that you use it.

Enjoy your travel and be insured!

PORAMA SRIJINDA
Authorized Agent
Anthem Blue Cross
P O BOX 928381
SAN DIEGO, CA 92122

Phone: 855-429-2011
Fax: 855-429-2515
License: 0D29697

Our services are exceptional with exclusive access to more flights, vacation packages, tours and cruises for individuals and groups. Our travel experts have the capability to design your vacation and business travel packages based on your specific goals and desires.

Health Insurance

2012-01-24T06:10:00.000-08:00

Health Insurance for Individuals and Family

FIRST DOLLAR, PPO, PREVENTIVE & HOSPITALCARE

Doctors: Primary, Specialist or Chiropractic Care, Pharmaceutical Discounts

Dental: Office Visits, X-Rays, Cleanings, Root Canals, etc.,

Vision and Hearing: Glasses and Contacts,

Hospitalization: Network Provider, Hospitals, Clinics, Urgent Care, Surgery

Get FREE QUICK & EASY QUOTE; GO TO

www.aetnaquotes.com

Enroll Today Get the lower rate and A free Starbuck Gift Card

Gift Card “Starbuck” $5.00

Disclaimer: enrollment has to be completed and approved to qualify for the gift card.

For details call: 619-200-5296

Toll Free 855-429-2011

Affordable Health Insurance go to www.ezhealthcoverage.info

Importance of Getting an Insurance Policy

2012-01-22T21:33:00.000-08:00

Insurance is the surety of compensating the financial loss incurred due to any natural or accidental loss of life or any damage of vehicle or property. There are many different types of insurance policies available today some common types are Life Insurance, Auto Insurance, Home Insurance and General Insurance. There are some other types such as insurance against lost wages, for jewelry or artwork, for businesses and flood insurance, which is must for those who live in flood areas. People say that there is nothing virtual that cannot be insured however protecting yourself and your possessions against any bolt from the blue threat is the most important thing one needs to do. In many countries buying insurance policy is legally must have. Some governments compel the vehicle owners to have auto insurance for each vehicle they posses personally and professionally.

If you are still in conflict about the importance of insurance then think will I be able to buy a vehicle instantly if one is lost or damaged accidently or do I have sufficient reserves to compensate the loss of income to household after me. If your answer is no then you should instantly opt for insurance because if you have insurance you can certainly do so. Not from the perspective of just security, but many people go for insurance to get various other benefits provided after buying an insurance policy. You can look at it from the investment point of view and see what adding insurance investment offers to your investment portfolio. It is always advisable to invest in at least one or two insurance products and only to go for Unit Linked Insurance Products when you are completely aware of these. Not only this but you also get tax deductions and long term capital gains most of the times on buying insurance products.

Always play wise when you are out for buying an insurance policy as insurance advisers may confuse you on many terms and you may end up having a policy that is of no worth. You need to consider various things before buying insurance like your financial status, future and present liabilities and then only decide on the plan that best suits your future requirements. Additionally, some other factors like term or the duration of the policy, coverage, health benefits that are called riders and long and short run benefits also needs to be considered. Consult an expert or a friend who can guide you through the whole process of being insured. You can also get the free insurance quotes from various online insurance companies, compare and then decide which company offers best deal suiting your requirements. You can also conduct a proper online research for what you want, analyze different insurance categories and financial constraints.

It is imperative to understand the importance of insurance in order to get the advantages and disadvantages that exist in it like any other investment. Major advantages are financial security, savings for future and most importantly tax reduction. The drawbacks are mismatch between consumer’s requirements and insurance facilities, misleading behavior of insurance agents and complexities in understanding insurance terms and this is the main reason most people stay away from insurance. However, there are more benefits than the drawbacks and thus it is wise to choose insurance for each of your possession including life. Also remember to get major benefits of insurance make sure the company is accredited, you can afford buying insurance policy, get low price at high return, read the terms and demand to explain it before signing, do not miss payments and be in touch with your insurance company to be updated about changes in rates and terms.

What is Dental Insurance?

2012-01-22T20:57:00.000-08:00

Dental insurance is a part of health insurance in which the insurance company pays a part of your dental expense when you have one. You may find several dental care plans being offered mostly at work places these days. Usually the employers make a contract with the insurance company to offer their employees with dental care benefits and cover up their dental care cost.

Most of the dental plans cover basic dental care and are based on the terms that your employer has agreed upon. Normally in most cases, you have the dental insurance policy provided by your employer but if not then get one if your dentist bills are high and you need to visit a dentist quite often. You can mainly divide dental care plans into three categories such as Dental Indemnity Plans, Preferred Provider Organization plans and Dental Maintenance Organization plans.

Dental Indemnity plan

These plans are also called as true dental insurance plans. Having a dental indemnity plans, you can visit any dentist you wish however the plans include annual limit for expenses as well as few annual charges.

Preferred Provider Organization (PPO)

A Preferred Provider Organization plan offers more options than Dental Maintenance Organization plans. When you have this plan, you can see any dentist without having a need for referral. You may also get lower costs if the dentist you are visiting is a part of PPO or PDN annual limits and charges apply.

Dental Maintenance Organization (DMO)

This is a low cost insurance plan in which you are provided with routine dental care worth a fixed price having annual limit and charges applying. In this plan, you select a primary care dentist who looks after your basic dental treatments and when you need to see a specialist the primary dentist provides reference. If your dental plan covers orthodontia then you do not require referral to see a DMO orthodontist.

Dentists are generally in tie up with the insurance service providers and you do not need to pay for any dental check up if you are visiting the same dentist. If you are visiting any out of network dentist then you are responsible for those payments unless it is specified in your policy. Some dental insurance policies have waiting periods under which certain benefits are covered. Some plans have annual maximum limits and you cannot take dental expenses covered with your policy over that limit being limit reissued each year. If you still incur dental expenses after reaching the limits then you will have to pay for these. Members are assigned a policy number for enrolment and they will have to fill their claims by visiting the insurance company themselves.

You can get your normal checkups, cleanings, x-rays with your dentist at no cost as insurance company pays in full for such treatments and pay half or more of the expenses incurred on services like fillings, crowns and root canals .You are responsible for the rest of the payments. Always confirm the annual coverage, your cost, benefits and the ease of claiming as these things matter while buying a plan. You can search for dental insurance online and get various quotes depending upon your needs.

Meaning of Life Insurance

2012-01-21T00:57:00.000-08:00

It is true that Human life cannot be valued but there exists financial loss to the household if the one who earns dies or gets any kind of disability. Today lives are at risk due to natural, medical and accidental causes. When someone dies or gets permanent or temporary disability due to any reason, the household or the dependants may have to face many financial challenges. Therefore the cost of funeral expenses, running the household, studies, upbringing and marriages of children everything becomes a burden and sometimes may lead to debts for the dependants of the one who died.

Meaning of Life Insurance

Life insurance is the contract between the insurance policy holder (who is insured or who pays the premium) and the insurer that can be any private, non-profit agency or any affiliated government body. The insurer promises to pay a certain sum of money that is called sum assured on the death of the person insured to those are specified as beneficiaries in the policy. Sometimes some other events such as terminal or critical illnesses and funeral expenses are also compensated. Death due to riot, fraud, war civil commotion and suicide are excluded and not compensated the policy becomes null and void in such cases.

Parties involved in Life Insurance

Parties involved in the contract of insurance may be several and most of the times the terminologies are misunderstood and common people gets confused with insurance terms. However, there exists difference between the policyholder or the owner and the one who is insured. Owner of the policy is the one who pays the premium and who purchases the policy for self or for someone in family. If you are purchasing life insurance policy for yourself then you are both the owner and the insured. The beneficiary who is in most cases the dependants of the insured, get compensation in the event of policyholder’s death.

Types of life insurance

There may be various kinds of life insurance policies being bought and sold every day and each policy differs in its terms, benefits and costs to each person and from one provider to another. To understand types of life insurance policies we may divide them into three main categories they are Term Life Insurance, Universal Life Insurance and Whole Life Insurance.

Term life insurance requires payment of fixed amount and coverage for a fixed period of time say 10 or 15 years that is called ‘term’ or ‘span’ of the policy. These policies cover life and pay benefits if the insured person dies within the term.

In universal life insurance policy, the policyholder has the flexibility of paying any amount at anytime and the coverage is provided indefinitely from these policies.

Whole life insurance policies offer life coverage for whole life or usually until 100 years of age of the person insured. They pay the sum assured amount at the event of death and at maturity if the insured is alive until the policy expires.

There are some other types of life insurance policies such as endowment products that pay benefit at death or at maturity if the policy holder is alive until policy expires and money back products that pay specific amount at some specified dates along with the life coverage and maturity benefits. Annuity policies are also offered in which payment are fixed for a particular time and then annuities are provided after maturity at some specific dates along with life coverage. Thus, it is wise to opt for life insurance policy that provides peace of mind and security for the dependants after you.

Understanding Health Insurance

2012-01-20T22:02:00.000-08:00

In this unpredictable world, occurrence of accidents and major or minor health problems have become very common and thus protecting your lives with an insurance cover is important for everybody. Covering mishaps and any medical assistance needed in the normal due course helps you greatly in the event of any emergency as it provides financial backing.

Purchasing health insurance policy may be very confusing for anybody as insurance has complex terminologies and hidden charges. Let us get a proper understanding of what exactly is health insurance all about.

Understanding Health Insurance

A health insurance is the insurance covering medical expenses for those who are covered and are paying premiums. Health insurance may also be called a contract between you and the insurance provider to cover medical expenses cashless or reimbursed against a yearly or monthly renewal of the policy. You can take health insurance individually and for your whole family and can cover medical expenses for all those who are covered. You will find many private insurance companies offering different set of policies and introducing various plans each day.

Who Provides Health Insurance

Private medical insurance companies, hospitals, medical service providers and non-profit health organizations provide health insurance to common public. There are some other types of health insurance facilities available to the military and army officers, federal civilians and other government employees who are being covered by their respective employers in lieu of their employment. Health insurance is availed on individual as well as group basis and generally, the organizations purchase group health insurance for their employees.

Types of health insurance plans

There are mainly three types of health insurance plans individual health plans, family floater plans and unit linked health insurance plans.

Under individual health insurance, the medical expenses of the person insured are covered up-to a predefined limit.

Family floater plans cover all the members in a family up-to a limited amount for a particular time or for lifetime depending upon terms of the policy.

Unit linked health insurance policies are linked to market investment along with the health benefits and the returns usually depend upon the market conditions. Unit linked insurance is usually recommended only when you are very much aware of the market fluctuations and are ready to take risks.

Cashless and Reimbursements

When the need arises, proper treatment is provided by the cashless hospitals that are in tie up with your insurance provider. In this case, all you need to do is inform your insurance company within the stipulated time of taking the cashless benefit and complete a bit of paper work that hospital helps with.

In some cases, you will have to pay the hospital expenses and then the insurance company reimburses them on claiming along with the bills and all the receipts. You need to take care of one thing that you once read all the documents and claiming procedure while opting for health insurance as terms differ company to company.

Protecting yourself and family with a health insurance plan is highly recommended in today’s unforeseen scenarios. However, you need to be very careful while purchasing any insurance as insurance terms are quite hard to understand and in most cases, people end up having stuck in redundant and useless policies. Always study few important things comprehensively like availability and convenience of reaching network hospitals for cashless benefits, ease and terms of cashless benefits, claiming procedures and requirements. Some other things like age until renewal of policy is allowed, exclusions that policy does not cover and information of third party administrators an agency that is responsible for settling claims are also essential to study to avoid any hassle in future.