Canadian insurer Manulife Financial Corp. will restore some coverage for coronavirus-related trip interruptions in a new travel insurance policy that also includes COVID-19 in its emergency medical coverage. The policy will launch in October for Canadians traveling domestically and internationally, including to countries subject to a Level 3 travel advisory, Canada’s biggest life and travel insurance company said on Wednesday. Canada has a Level 3 advisory, which urges avoidance of non-essential travel, for all countries. Manulife, as well as some other insurers, said in March they would stop covering trip cancellations or interruptions related to the pandemic as the disease was deemed a “...
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What is insurance? Insurance helps you protect yourself against risks like a house fire, car accident or burglary. You can also get insurance that pays you money if you get too ill to work or to provide for your family if you die. How insurance works With insurance, you choose what you want to be protected against. Then your insurer calculates the risk that the events to be insured will happen and the insurance provider or insurer will determine the price you will need to pay (your premium). Choose a policy. An insurance policy is a document that lists exactly what you are or aren’t protected against. For example, a travel insurance policy might say that it’ll cover your medical bills if...
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Health Insurance Information If you can’t find the information you are seeking on this page, please feel free to call the Counseling and Health Center at 360-992-2614, or email us at CHC@clark.edu. We’re happy to help! Purchasing Coverage Through the Marketplace The Affordable Care Act (ACA) established a "marketplace" system for purchasing health care coverage, and educating consumers about coverage options. The marketplace allows consumers to compare plans and choose the one that is best for them. Often referred to as "Obamacare", the ACA was enacted to improve the quality, and reduce the costs of health care and insurance coverage. It provides increased access to health care for many...
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Overview Vanguard Medical Group participates with most major insurance plans. We will submit charges to any insurance plan with which we participate. Insurance co-payments are due at the time of your visit. For individuals not covered under such an insurance plan, we request payment for office services be made at the time of your visit. Managed Care plans may require you to select a doctor as your Primary Care Physician (PCP). This should be done prior to visiting our office. If you do not have insurance or have a high deductible plan that we do not participate with, you may want to consider our Direct Pay Primary Care Plan. This plan gives your access for all your primary care needs for a...
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Make Sure You Are Insured Drivers in the Austin, Texas area should always make sure they are insured. It is an unfortunate fact of life, but accidents happen. Every day, people behind the wheel find themselves in a collision with other drivers and sadly suffer injury to their bodies and their vehicles. However, the greatest loss in a fender bender tends to occur when one or both parties is uninsured. Car insurance benefits not only yo/u and your vehicle, but others who might end up in an accident with you as well. Without car insurance, both you and the other party or parties involved in an accident can end up paying thousands of dollars out of pocket. One Austin, Texas family felt the...
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BOISE, Idaho -- Many of us did not see a pandemic coming. Just think back five or six months ago, when we were worried about holiday gifts and gatherings. We would have never predicted a coronavirus with unprecedented health implications was on the horizon, a virus that would cause a shutdown of the U.S. economy and a shutdown of so many businesses, in a way never seen before. “It brought my business to a screeching halt,” said Ted Challenger. Challenger is the owner of several nightclubs in Boise, Idaho. “We are just in survival mode, in a struggle right now,” he added. Like many savvy small business owners, Challenger actually planned for the unexpected. In addition to all his required...
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Auto insurance companies offering relief or flexibility to Wyoming consumers CHEYENNE, Wyo. (RELEASE) - A number of auto insurance companies are offering relief or flexibility to Wyoming consumers as the economy is on pause due to COVID-19. In short, fewer people are on the roads and highways as cars sit in driveways or garages with the owners staying at home, social distancing, or not commuting to work. As car activity has dropped, fewer miles are being driven, reducing the risk for insurance companies. To date, insurers have given refunds, dividends, discounts, and credits totaling approximately $10.5 billion, according to estimates compiled by the Insurance Information Institute, an...
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How to interpret a homeowners insurance declaration page Your home is likely among the priciest purchases you'll make, so protecting it with the right insurance policy is crucial. Though each insurance company formats its homeowners policy documents differently, each policy document has some features in common. We’ll help you navigate your homeowners insurance policy to ensure your home and personal belongings are properly covered. How to read a homeowners insurance policy: What is a homeowners insurance declaration page? Each section of your homeowners policy is important, but the declaration page is likely your go-to source for most information. Here you’ll find important info about...
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Update: This story has been updated to add Geico’s giveback to consumers. More auto insurance companies are jumping on board Allstate’s move earlier this week to give back up to $600 million in premiums to customers because people are driving less due to coronavirus shut-downs. That’s in addition to good news from the governor. Gov. Phil Murphy today announced that New Jerseyans who can’t pay their insurance bills because of the coronavirus pandemic will get some much-needed help. He signed an executive order that extends the grace period for people who can’t pay their health or dental insurance premiums by 60 days. And, those with home insurance, auto insurance, renters insurance, life...
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Professional services are difficult to shop for. When it comes to finding a new coffee shop or pair of sneakers, we’re relatively well equipped as consumers to make smart decisions. We can generally tell the right price for a latte, and have a good sense of when a pair of shoes is the right fit. The same can’t be said for financial advice or legal fees. We don’t use these products on a day-to-day basis, so as consumers we don’t have a good sense of what a fair price. Often we’re not even well equipped to judge the quality of the product. This goes equally well for insurance. Choosing an insurance company and policy is difficult because this simply isn...
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