Finding Your Own Health Insurance Coverage

If you've ever taken the huge leap of leaving that secure 9 to 5 job for the self employed route, you probably know how it feels to have to go looking for your own health insurance plan.

To be sure, most of us at one time or another have worked for a company simply because we wanted the security that their benefit packages provide. Health insurance would be one of the most vital parts of all of this.

Yet with corporate downsizing and layoffs, staying with a company simply for the insurance isn't as secure any more. So if your in position to have to find insurance for yourself here's a few bits of advice that might be of help.

First off, don't be stupid and go without. Some years ago I found myself between jobs and between coverage. I got hurt simply playing a pick-up game of basketball and needed surgery. Unfortunately I had no other option. I couldn't work if I didn't get the damage repaired and I didn't have insurance to cover the cost so I ended up putting it all on a credit card. It took me years to pay the debt off. In particular, if you have a family, you can't afford to go without some form of insurance.

Often right after leaving a company you can still have access to insurance through a company's COBRA option. The company is lawfully required to give you access to the plan. You'll have to pay the monthly premiums of course with no additional assistance from the company, but you may find it more affordable than an individual plan. COBRA plans should be looked at as a short term solution to your insurance situation.

If your self employed, you may want to look at group insurance plans from organizations like the NASE. The National Association of the Self Employed can provide you with more information and you may find some of their rates to be very competitive.

A number of trade organizations and associations may also have benefit plans that could provide you with coverage. If you belong to a trade organization don't hesitate to contact them to see what might be available.

It's also important to compare individual or family plans from a number of companies. Be sure that things such as the stated deductible and coverage guidelines are comparable when looking at the cost. Eventually we found a good plan for my wife and I that is fairly affordable for what we have in coverage.

At one point, I was denied coverage by an insurance company and my wife was leaving her company position to work in her own business. One thing I learned at this time was that many states will provide some type of insurance coverage for you if you have been turned down at some point. The rates are a bit higher than you might have to pay with a standard policy but at least you have coverage. So don't rule out a state funded program if your having trouble getting insurance.

Regardless of what company you go with, remember that's it's very important to maintain health insurance coverage for yourself or your family. You'll never know when you may need it in a time of crisis.

Mark Washburn is a freelance writer with experience on health insurance and insurance services.

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World of Warcraft Top 15 Tips - Part 3

Hello all. This is the last chapter of this series for the top tips on wow
leveling and gold making in the World of Warcraft.

The next 5 tips are for WoW Horder Players

Tip 11-The Barrens.

Most Horde quest lines eventually send players to the
Barrens as it contains access to a neutral town where Horde and Alliance
players can get together. So to say the least, it is crawling with players.
While this is good for making new friends, it is also the most hunted and
overcrowded place to be on the Horde side. So do what has to be done and
get out.

Tip 12-Level to 10 Quickly by visiting dead people.

Well, to be more accurate, visit the Undead. Quests are not race specific,
so players can accept any level quest regardless of race. Which means that
Horde players can have access to a sneaky shortcut to level 10. Which means
that in the Horde's case it means high tailing it out to the Orc hub city
of Orgrimmar as soon as you survive the trip and catching a zeppelin ride
to Tirisfal Glades. From there head south from the tower and go to the
Undead town of Brill and start searching for quests. Like Teldrassil for
Night Elves and such. The quests in Brill are quite easier and can be
usually resolved without to much traveling. Very significantly shorting your
trip to level 10.

Tip 13-Unfortunately, the Hordes have the best and worst hub cities.

Both sides of Warcraft have three hub cities designed for players to gather.
Buy and sell items and deal with NPC vendors and trainers. They are both
blessed and cursed with one of the worst hub cities. The best city to do
business in with NPC's is the Undead Undercity. If you have a choice, this
is the one to pick. It's the smallest major city, meaning you do not have
to do a lot of running to get to the shops. Stay out of Orgrimmar, the Orc
City.

Tip 14-Join a Horde and stop fighting for elbow room.

For some reason, players choose to play as Alliance characters rather then
Horde characters. Horde players rarely see the "mass extinction events"
that the Alliance does. Try joining the Horde's, if your interesting in
questing. If you just want to waste time and hang out, join Alliance.

Tip 15-The Undead are just plain Psychotic Cool.

As far as coolness points go, the Undead get kudos of "Coolness Points".
The character models are just way cool in customization via the hairstyles
and facial expressions. The Undead lands and zones are filled with very
clever asides and humor. Role players will love the Undead, since they are
as close as any WoW race comes to being evil. They are always planning
universal genocide.

That's it for now and I hope you have enjoyed this 3 part series on World
of Warcraft Top 15 Tips.

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