Motorcycle Insurance for Honda and Harley Bikes Added to Quote System at Insurance Website

August 22, 2014, 7:09 pm

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Motorcycle insurance for Harley and Honda bikes can now be quoted using the system at the Quotes Pros website at http://quotespros.com/motorcycle-insurance.html.

Tampa, FL (PRWEB) August 22, 2014

Owners of motorcycles in the U.S. will now have a new method of searching for insurer discounts for Harley and Honda bikes at the Quotes Pros website. The motorcycle insurance quote system built at http://quotespros.com/motorcycle-insurance.html is now available to use to promote discount pricing for policies.

The bike owner system that is currently accessible does not use VIN numbers or other private data to distribute the pricing information to adults. A zip code can be used in place of the other identifiers to help someone find the best rates available from a national or local agent in the U.S.

"The quotation system that we've built for public use has the ability to present prices in a list format to help someone easily review price data from multiple companies," said a Quotes Pros rep.

One drawback that a bike owner can face while reviewing insurance costs using offline sources is the lack of support for certain brands. The Honda and Harley bike rates that are supplied for each insurance policy are one phase of the new content that can be researched. Foreign brands and lesser known U.S. motorcycle brands can also be researched for coverage pricing.

"One of the ways that we're helping owners of motorcycles this year is by keeping their information private during the search process to find discount plans for coverage," said the rep.

The Quotes Pros company is using its database to connect with consumers who are interested in paying less for various coverage plans that United States companies offer. Special package rates for health, life and homeowners are also available to explore when visiting http://quotespros.com/health-insurance.html.

About QuotesPros.com

The QuotesPros.com company offers motorcycle owners, car owners and other consumers easy methods for reviewing insurance costs using its public tools on the Internet. The company has mixed different providers throughout the country into its public system. The QuotesPros.com company makes certain that data that is distributed to consumers remains accurate to help with planning for a future purchase of a coverage plan. Reported by PRWeb 19 hours ago.

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Oregon sues Oracle, blaming tech giant for failed healthcare website

August 22, 2014, 7:34 pm

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The Oregon attorney general sued Oracle America Inc. on Friday, charging that the technology giant committed what “amounts to a pattern of racketeering activity” that cost the state hundreds of millions of dollars during the faulty rollout of its troubled health insurance exchange. Reported by L.A. Times 19 hours ago.

This Time Prominent Hospital Group Falls Prey to Hackers Believed to be Based in China

August 23, 2014, 1:07 am

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The diplomatic tension with China over cyber attacks may have just gotten another infusion of fire to deal with after it was reported earlier this week that one of the biggest hospital groups in the US was the victim of a data breach which yielded 4.5 million records containing Personally Identifiable Information. The founder of Global Digital Forensics discusses why healthcare organizations are prime targets for hackers, and why regularly testing for vulnerabilities and advanced malware is essential for this often targeted industry.

New York, NY (PRWEB) August 23, 2014

On Monday, August 18th, The New York Times (NYT) reported on a data breach suffered by Community Health Systems, which operates over 200 hospitals nationwide, that saw the compromise of 4.5 million records containing Personally Identifiable Information (PII) like names, phone numbers and social security numbers. According to Mandiant, who was engaged to investigate the incident, the belief is the attack emanated from an advanced group of cyber attackers based in China, who they say are more well known for targeting Intellectual Property, like advanced designs and research, rather than this type of PII. Thankfully, at least actual medical data does not appear to have been compromised. “The healthcare industry is a huge target for hackers,” explains Joe Caruso, founder and CEO/CTO of Global Digital Forensics (GDF), a premier provider of cyber security solutions, “because there is a lot of potential money and/or leverage to be had on many fronts, from the competitive edge which could be gained by stealing confidential R&D and other IP (Intellectual Property), and would certainly pique the interest of foreign state-sponsored attack groups or any other competitor looking for an edge, to very personal medical information which organized criminal groups will be more than happy to exploit to its fullest, as in full blown identity theft, or even targeted social engineering attacks which prey on victims facing some of the most desperate medical situations imaginable by concocting things as simple as spear phishing emails dangling the false hope of the perfect new “miracle” cure, for a hefty price at the end course. Our vulnerability assessments and penetration testing offerings focus strongly on social engineering, so we can help shore up that front not only for the organization itself, but we can also offer assistance which will see employees come away with better insight on what to watch out for as far as phishing and spear phishing techniques which they may run into at home too. And that can help the organization by strengthening another commonly weak threat vector, employees getting compromised at home and opening the door for attackers to breach the organizational network by unknowingly schlepping in malware or foolishly re-using compromised credentials from home at work, which we see all the time.”

Regular testing is key to combatting APT longevity.

“Advanced Persistent Threats, or APTs, are well named,” says Caruso, “they are advanced, as in hard to detect and often complex; they are persistent, commonly letting attackers reside on a network to do their thing for weeks, months, or sometimes even years, and they are definitely a threat. That’s why professional testing and deep scanning at regular intervals is so important. APTs are almost never going to be uncovered by off-the-shelf signature-based antimalware or antivirus solutions, and that’s why you need an arsenal like ours that goes way beyond those basic capabilities. We can even hunt down and eradicate many as of yet undiscovered zero-day threats. We can also help coach up internal staff on system behavior and other clues to look for to spot threats early, and help them devise an effective emergency response plan and escalation matrix, or strengthen any existing emergency response policies and procedures.”

The scope of the problem is costing the healthcare industry plenty.

“The NYT article also highlighted some numbers which should be pasted prominently on the wall of every IT security department in the healthcare industry. It siad last year an ESET researcher calculated that the numbers broke down to the protected health information records of 24,800 Americans being exposed every single day! And judging by the record breaches this year already, I doubt that number is shrinking this year. So when you consider healthcare organizations are going to end up paying a hefty cost for each and every compromised record, from the time and resources it’s going to take to notify everyone affected and consumer protection plans they will have to shell out for, to the stigma which can affect patient trust and organizational credibility, it becomes very clear that the cost of doing nothing will end up being far greater than the cost of letting proficient cyber security experts help substantially improve your cyber security posture against future attack attempts and eradicate any existing threats already residing on the network, as well as assist with 24/7 emergency response should the unthinkable happen. And yes, we are fully versed in the regulatory compliance issues like HIPAA (Health Insurance Portability and Accountability Act) which apply to the healthcare industry and can help make full compliance as painless as possible," Caruso said.

Customized for the uniqueness of every client

*Global Digital Forensics is a recognized industry leader in the fields of computer forensics, cyber security and emergency incident response, with years of experience assisting clients in the government, banking, healthcare, education and corporate arenas. For a free consultation with a Global Digital Forensics specialist, call 1-800-868-8189 about tailoring a cost-effective plan which will meet your unique needs, without wasting resources on solutions you simply don’t need. Emergency responders are also standing by 24/7 to handle intrusion and data breach emergencies whenever and wherever they arise. Time is critical if a cyber incident has occurred, so don’t hesitate to get help. For more information, visit http://www.evestigate.com. Reported by PRWeb 13 hours ago.

ObamaCare's Latest 'Accommodation' to Contraception Mandate: 'Insulting Accounting Gimmick'

August 23, 2014, 7:53 am

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On Friday, the Obama administration issued its eighth “accommodation” to ObamaCare’s HHS contraception mandate, which requires most employers to provide free contraceptives, sterilization procedures, and abortion-inducing drugs to employees through their health insurance plans.

Lori Windham, Senior Counsel for the Becket Fund for Religious Liberty, which has represented many of the plaintiffs in their lawsuits against the Administration over the mandate, described the new rule in a press release as “the latest step in the administration’s long retreat on the HHS Mandate.”

In the wake of the Supreme Court’s Hobby Lobby decision, this latest revision of the mandate once again finds the Obama administration doubling down on presenting contraception as a highly prized, yet practically inaccessible – were it not for the government – commodity.

The announcement itself at HHS confirms this continued distortion: “Administration takes steps to ensure women’s continued access to contraception coverage, while respecting religious based objections.”

The statement maintains the Obama administration’s presentation of contraception as a product that women are “entitled to” under ObamaCare “at no additional cost.”

HHS Secretary Sylvia Burwell states, “Today’s announcement reinforces our commitment to providing women with access to coverage for contraception…”

How is it that the Obama administration gives “access” to contraception coverage when women have been walking into CVS, Walgreens, and Walmart for years and accessing it all by themselves, without “coverage?”

Contraception is, and has been, available, without a boss’s permission, for as little as $3.77 per month. In fact, up until 2012 when the HHS mandate came along, birth control had always been a private issue, and certainly never one that was considered to be pertinent to one’s job.

The latest revision of the mandate requires nonprofit organizations to provide written notification to HHS to state their moral objections to offering contraceptive coverage to employees. According to the rule, once it receives notification, HHS will then arrange that coverage for the employees, without involving the employers:



It provides that an eligible organization may notify HHS in writing of its religious objection to coverage of all or a subset of contraceptive services. The notice must include the name of the eligible organization and the basis on which it qualifies for an accommodation; its objection based on sincerely held religious beliefs to providing coverage of some or all contraceptive services (including an identification of the subset of contraceptive services to which coverage the eligible organization objects, if applicable); the plan name and type (i.e., whether it is a student health insurance plan within the meaning of 45 CFR 147.145(a) or a church plan within the meaning of ERISA section 3(33)); and the name and contact information for any of the plan’s third party administrators and health insurance issuers… A model notice to HHS that eligible organizations may, but are not required to, use is available at: http://www.cms.gov/cciio/resources/Regulations-and-Guidance/index.html#Prevention. If there is a change in any of the information required to be included in the notice, the organization must provide updated information to HHS…

When an eligible organization that establishes or maintains or arranges a self-insured plan subject to ERISA provides such a notice to HHS, DOL (working with HHS) will send a separate notification to each third party administrator of the ERISA plan. DOL’s notification will inform each third party administrator of the eligible organization’s religious objection to funding or administering some or all contraceptive coverage and will designate the relevant third party administrator(s) as plan administrator under section 3(16) of ERISA for those contraceptive benefits that the third party administrator would otherwise manage. The DOL notification will be an instrument under which the plan is operated and shall supersede any earlier designation. In establishing and implementing this alternative process, DOL is exercising its broad rulemaking authority under Title I of ERISA, which includes the ability to interpret and apply the definition of a plan administrator under ERISA section 3(16)(A).

 If an eligible organization that establishes or maintains an insured health plan provides a notice to HHS under this alternative process, HHS will send a separate notification to the plan’s health insurance issuer(s) informing the issuer(s) that HHS has received a notice under § 2590.715-2713A(c)(1) and describing the obligations of the issuer(s) under § 2590.715-2713A. Issuers remain responsible for compliance with the statutory and regulatory requirement to provide coverage for contraceptive services to participants and beneficiaries, and to enrollees and dependents of student health plans, notwithstanding that the policyholder is an eligible organization with a religious objection to contraceptive coverage that will not have to contract, arrange, pay, or refer for such coverage.



The Hill describes the new rule as an “action” that “amounts to an administrative workaround” that HHS is basing on a suggestion put forth by Supreme Court Justice Anthony Kennedy in the Hobby Lobby decision.

But Breitbart News’ Dan Riehl aptly reports that, as in all things with ObamaCare, “the devil is in the details.” And, of course, one of the main details is who will actually pay for the mandatory contraception “coverage” when those with religious objections opt out.

Riehl writes:



In short, the government will "step in" and cover "the law’s contraception requirements" as yet another taxpayer funded mandate. Also, as opponents charge, it doesn't actually get religious companies out of the birth control business, as they're still the vehicles for the coverage access.

If anything, this 'fix' only makes the so called law worse for everyone who pays taxes.



In addition, the ObamaCare law continues to be changed administratively, as Riehl notes, in response to court rulings and without any congressional intervention.

Arina Grossu, director for the Center for Human Dignity at the Family Research Council, referred to the new rule as an “insulting accounting gimmick” that “maintains the threat of crippling fines on non-profits who stand up for their freedom of conscience.”

“It is simply another clerical layer to an already existing accounting gimmick that does nothing to protect religious freedom,” she continues, “because the employer still remains the legal gateway by which these drugs and services will be provided to their employees.” Reported by Breitbart 6 hours ago.

Obamacare's Metallic Plans - Add Cash As Well As Copper

August 23, 2014, 9:21 am

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Insurers should be free to offer copper, or lead, or brass or whatever policy they want. However, as long as the federal government is subsidizing insurers billions of dollars in these exchanges, it should offer some of the money for beneficiaries’ direct use, via deposits in Health Savings Accounts, Health Reimbursement Arrangements, or Flexible Spending Arrangements, instead of handing it over to insurers. Many healthy, young people would surely prefer to spend money directly on medical care, rather than be forced to buy a health-insurance policy with a deductible so high they will likely never benefit from it. Reported by Forbes.com 5 hours ago.

Apple Hints At A Push Into Health Care — Let's All Hope That Happens (AAPL)

August 23, 2014, 10:08 am

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The United States’ health care system is extremely complex, but many doctors and experts believe it’s also inherently broken. 

Hospitals are routinely criticized for overcharging patients, while the drug and insurance companies continue to rake in mammoth profits. Meanwhile, individuals with lower income often lack sufficient access to proper health care.

Doctors and patients alike are unhappy with the current health care system, and a big part of that has to do with efficiency. In a Commonwealth Fund report published in June, the US ranked worst among 11 industrialized countries, particularly with regards to “efficiency, equity, and overall health of its citizens,” as CBS News points out. The US also spent more money on health care compared to the other 10 countries.

“The nation’s substantial investment in health care is not yielding returns in terms of public satisfaction or health outcomes,” the authors of the report said.

Congress has so far proved unhelpful with creating any meaningful change, but perhaps technology can cure some of our health care system’s inefficiencies.

Fitness wristbands are starting to gain traction with customers, but many believe Apple will be the first company to truly popularize health-oriented devices by making it easy for patients and their doctors to measure and track health data — while also offering a unique and stylish device. 

Apple is reportedly hard at work on its upcoming wearable device, presumably called "iWatch" or "iBand," which is said to measure health-related biometrics like heart rate and sleep quality, while also giving wearers the ability to control notifications and aspects of the smartphone experience right on their wrists. 

While that device waits in the wings, Apple has been busy striking partnerships with health institutions, hospitals, and health insurance companies around the U.S. to help develop and distribute its HealthKit software, announced in June, which will reportedly be a major part of the iWatch experience.

HealthKit, as Apple describes it, "allows apps that provide health and fitness services to share their data with the new Health app and with each other." The user can decide how much of their health-related information they want to share with third-parties.

But HealthKit isn't just for Apple devices; Apple announced an application programming interface (API) for HealthKit earlier this summer, which means medical companies that build equipment like heart rate or blood pressure monitors can hook their tools into this all-inclusive platform as well. The Mayo Clinic, which serves over 1.1 million patients each year, has already signed on to be an early partner in Apple's fledgling health initiative, among others (pictured below).

 

By teaming up with hospitals, Apple stands to benefit patients as well as medical practitioners, since doctors would theoretically be able to collect health data from their patients in between visits, which would lead to more accurate diagnoses and more efficient health care. A universal Apple app could also potentially facilitate doctor’s appointments and even prevent them entirely, if patients learn that their symptoms do not merit an actual visit to a physician or hospital.

Obviously, the HealthKit platform and the iWatch won't be the end-all solutions to the complicated and endemic problems that plague the U.S. health care system. But Apple, perhaps more so than any other company in America, is uniquely positioned to take on these issues.

When Apple does something — anything — people listen. And if Apple can make it popular to care for one's own health, other tech companies will surely jump on that bandwagon, as they always do. (Riding Apple's coattails is usually a safe financial bet.)

But aping Apple in this way would be a good thing: Tech companies can't prescribe medicine or conduct surgeries, but if they can collect and measure users' biometric data, they can offer preventative care — useful, personalized advice to heed before an issue becomes an emergency.

If people become more mindful about their own health statuses — and more importantly, know what to do about it — we might see emergencies decrease, as well as the number of doctor and hospital visits in general. That saves hospitals and ambulances a lot of money, and people get to save themselves from costly medical bills.

With fewer patients to address, doctors and hospitals could also spend more time on cases that truly need their attention, while those who saved themselves a hospital visit thanks to their health app can spend more time being productive instead of sitting in a waiting room for hours.

Tech companies likely won't change the foundational problems ailing the health care industry, such as the exorbitant cost of medical bills. But devices and services, like the ones Apple is purportedly working on, could help us avoid those bills completely.

Apple has never come out and said it wants to fix health care, but the proof is in the pudding.



Honored to meet doctors & Veterans with @RepAnnaEshoo at @VAPaloAlto, now using iPads to help treat Vets & families. pic.twitter.com/lOZwDT8KZu

— Tim Cook (@tim_cook) August 21, 2014

Amidst news of Apple partnering up with hospitals and health organizations, CEO Tim Cook stopped by the VA Palo Alto Health Care System on Thursday, which is somewhat symbolic of Apple’s intentions to address health care. Veterans health facilities have faced intense scrutiny since May, when 40-plus military veterans died while waiting for care, which exposed deep-rooted problems within the health care system.

Cook obviously cares a great deal about health care personally. He's a noted fitness nut, and according to The Wall Street Journal, Cook once participated in a two-day cycling event across Georgia to raise money for multiple sclerosis, a disease that changed his life years prior when he was accidentally misdiagnosed with the condition.

(Cook also donated $50 million of his own money to Stanford hospitals in early 2012 — $25 million to build a new main building, and $25 million to build a new children's hospital.)

Apple may not be able to effect the political changes the U.S. health care system needs, but the company's forthcoming health-related technologies could help further expose the remaining inefficiencies and barriers that stand between doctors and those that need care.

*SEE ALSO: Apple Shareholders Are Suing The Company After Judge Finds ‘Ample Evidence’ Of A Conspiracy Against Employees*

Join the conversation about this story » Reported by Business Insider 4 hours ago.

Mental health: Insurance rules too restrictive for bipolar disorder

August 23, 2014, 12:02 pm

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Monday’s guest column by Linea Johnson that “Mental illness is not the end” [Opinion, Aug. 18] is an example of a person who has managed to function with her bipolar illness and to embrace her “disability.” Reported by Seattle Times 2 hours ago.

State says insurers must cover elective abortions

August 23, 2014, 2:31 pm

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Health insurance companies in California may not refuse to cover the cost of abortions, state insurance officials have ruled in a reversal of policy stemming from the decision by two Catholic universities to drop elective abortions from their employee health plans. Reported by SignonSanDiego 1 day ago.

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Abortions Must Be Covered By Health Insurance Companies In California

August 23, 2014, 8:05 pm

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SACRAMENTO, Calif. (AP) — Health insurance companies in California may not refuse to cover the cost of abortions, state insurance officials have ruled in a reversal of policy stemming from the decision by two Catholic universities to drop elective abortions from their employee health plans.

Although the federal Affordable Care Act does not compel employers to provide workers with health insurance that includes abortion coverage, the director of California's Department of Managed Health Care said in a letter to seven insurance companies on Friday that the state Constitution and a 1975 state law prohibits them from selling group plans that exclude the procedure. The law in question requires such plans to encompass all "medically necessary" care.

"Abortion is a basic health care service," department director Michelle Rouillard wrote in the letter. "All health plans must treat maternity services and legal abortion neutrally."

Jesuit-run Santa Clara University and Loyola Marymount University notified employees last fall that they planned to stop paying for elective abortions, but said faculty and staff members could pay for supplemental coverage that would be provided through a third party. The two schools said their insurers, Anthem Blue Cross and Kaiser Permanente, had cleared the move with the state.

University employees who objected to the decision and abortion-rights groups lobbied the women' caucus of the California Legislature, which in turn asked Gov. Jerry Brown to clarify and reverse the health care department's determination.

In her letter to the insurers, Roullaird said her department had "erroneously approved or did not object" to a small number of health insurance policies that excluded abortions. She asked the companies to review their plans, including any the department had already approved, to make sure they are in accordance with the new guidance.

The two insurance companies told the San Jose Mercury News (http://bit.ly/1t2Pjgu) that they would comply with the directive. Loyola and Santa Clara representatives said they would explore their options with Anthem Blue Cross and Kaiser Permanente.

Two groups that oppose abortion, the Life Legal Defense Foundation and Alliance Defending Freedom, sent a letter to Rouillard on Friday saying that under federal law California cannot force employers to cover elective abortions. The groups said they would file a civil rights complaint with the federal government unless the state's previous determination was reinstated.

"Pro-life employers have the freedom to choose health insurance plans that do not conflict with their beliefs on the dignity of human life," Life Legal Defense Foundation Legal Director Catherine Short said. "California cannot be allowed to discriminate against health plans that don't cover elective abortions and force people to purchase coverage that conflicts with their convictions." Reported by Huffington Post 19 hours ago.

California: Insurers must cover elective abortions

August 23, 2014, 3:12 pm

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Health insurance companies in California may not refuse to cover the cost of abortions, state insurance officials have ruled in a reversal of policy stemming from the decision by two Catholic universities to drop elective abortions from their employee health plans. Reported by MyNorthwest.com 1 day ago.

Average Cost of Motorcycle Insurance Now Calculated in Real Time at Insurer Portal

August 23, 2014, 4:08 pm

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The average cost of motorcycle insurance is now being calculated in real time using the Quotes Pros website at http://quotespros.com/motorcycle-insurance.html.

San Jose, CA (PRWEB) August 23, 2014

Bike owners throughout the United States who are interested in the fluctuating prices in the insurance industry can now use the Quotes Pros website to explore price data online. The average cost of motorcycle insurance is now tabulated in real time at http://quotespros.com/motorcycle-insurance.html.

A new calculator has been installed that is helping to prepare the rates that owners of bikes can use to compare lists of agencies. The rates information that is now supplied is linked to licensed companies to help motorcycle owners to purchase a policy that is affordable in all 50 states.

"The costs database that we've prepared for use this year is now one effective source that a person can use to explore rates packages from insurers," said a Quotes Pros rep.

The insurer system that is available to use has been programmed to display rates that are tied to more than state minimum protection plans from insurance agencies. A bike owner has the option to include collision coverage, additional rider protection and loss based policies to a standard price calculation.

"The insurance packages that are found inside of our easy to access database are prepared by insurers specializing in different bike coverage policies," said the rep.

The Quotes Pros company has helped the American public to find exact price data since the 2013 year. New modifications have been completed this month that will further expand the access that system users have during research. Special rates can now be reviewed for life, auto, health and renter policies at http://quotespros.com/health-insurance.html.

About QuotesPros.com

The QuotesPros.com company is one source to compare, locate or to purchase different coverage options in the insurance industry. The United States partners that exist inside a newly built database on the company homepage are making the lookups possible by consumers. The QuotesPros.com company has taken its tools national and is now a source to use for locating rates reviews in all 50 states. Reported by PRWeb 23 hours ago.

Cheap Motorcycle Insurance for Bikers Added to Quotation Tool at Insurer Website

August 23, 2014, 4:33 pm

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Bike owners in the U.S. can now find cheap motorcycle insurance using the open tool at the Quotes Pros website. State or nationwide company prices are viewable at http://quotespros.com/auto-insurance.html.

Jacksonville, FL (PRWEB) August 23, 2014

The various price changes that a bike owner can find while conducting research for policies in the U.S. will now be easier using the Quotes Pros website this year. An upgrade to the search tool at http://quotespros.com/motorcycle-insurance.html is helping to quote cheap motorcycle insurance for bikers.

A major advantage to accessing the free of charge platform this year is the immediate reviews of statewide and nationwide companies. Because bike owners can have limited options for coverage in local areas, the system now opens up exploration into other markets to find better prices.

"The insurance rates that are now provided to owners of bikes within the U.S. come direct from licensed companies or brokers in the industry," said a Quotes Pros rep.

The bike insurance lookup system that was installed earlier this year has been expanded to feature the national companies. The first edition of the system focused only on local companies. Someone interested in reviewing state minimum, full coverage, passenger add-ons and theft protection plans will receive the most benefits of the system.

"The insurer industry is complex and some bike owners might not have access to more advanced policy types apart from our research system," said the rep.

The new list of motorcycle coverage providers that can be researched this year is in addition to the non-motor vehicle policies that are now sortable or comparable by zip codes. The special rates data for life, health and renter policies are now viewable from http://quotespros.com/health-insurance.html.

About QuotesPros.com

The QuotesPros.com company uses a team of professionals to review and collect price data from national insurance agencies in order to help consumers prepare for a policy purchase. The company offers use of its national finder in effort to make research for policy information easier. The QuotesPros.com company is using all of its team members to secure prices for different plans to help the public compare rates easier on the Internet. Reported by PRWeb 22 hours ago.

Best Homeowners Insurance for Low Income Families Now Quoted at Insurance Website

August 23, 2014, 5:09 pm

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The best homeowners insurance rates for low income families are now being quoted through the Quotes Pros website. Instant rates are viewable at http://quotespros.com/homeowners-insurance.html.

Memphis, TN (PRWEB) August 23, 2014

Families who are now living below the poverty level in any of the 50 U.S. states can review special rates for insurance online. The Quotes Pros company is now introducing some of the very best homeowners insurance for low income families available at http://quotespros.com/homeowners-insurance.html.

The instant quotation tool that has been installed for use this year is now showcasing the family pricing that is available. A person is asked to provide a zip code during the rates preparation process to make certain that average incomes in a geographic area are taken into consideration.

"Our tools that we're offering from our website make it effortless for just about any person who is researching a home protection policy in the U.S.," said a Quotes Pros source.

The homeowner insurance industry has expanded over the past several decades due partly to new home construction and population growth. One advantage that a low income earner will receive when exploring the rates information available is the enhanced choices for policy types that are offered.

"A base rate is delivered to any user of our system and these rates can be further enhanced as more coverage is added to a base policy through the insurer system," said the source.

The Quotes Pros company is expected to supply the public with a new way to review rates for life insurance and health insurance using its portal this year. Sample rates for these plans can now be reviewed by entering the system at http://quotespros.com/life-insurance.html.

About QuotesPros.com

The QuotesPros.com company connects the public with its insurer database daily online to help the public find different insurance prices. The company adds agencies frequently to help lower the average costs for plans. The QuotesPros.com company website is now one configured tool that can be used daily to locate a price by zip code in any area of the United States. Reported by PRWeb 22 hours ago.

Full Coverage Car Insurance by State Agencies Now Quoted for American Motorists Online

August 23, 2014, 6:11 pm

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Full coverage car insurance is now included from state agencies in the database at the Quotes Pros website. Instant quotes are available at http://quotespros.com/auto-insurance.html.

New York, NY (PRWEB) August 23, 2014

Sorting through prices for different automobile insurance prices can be difficult for a person who still relies on making telephone calls to review policy data. The Quotes Pros company is now helping to quote full coverage car insurance by state using its open tools at http://quotespros.com/auto-insurance.html.

A bigger and more defined list of agencies that are available in the U.S. to prepare price data has been added to the instant finder tool now available. The motorists who plan to use this system for research this year will be greeted with affordable policies that are now promoted nationally by zip code.

"Getting the most value for an insurance policy is one of the ways that drivers can make sure that the right amount of coverage is available if an accident occurs," said one Quotes Pros rep.

The full coverage automobile insurance quotes that are being prepared and delivered electronically this year are made possible by new insurers. The inclusion of a new variety of companies has enhanced the standard system in use since last year to review rates information.

"Any driver can use our system to find out the prices for liability, collision, SR22, collector and other plans that are important for motorists," said the rep.

The Quotes Pros company is expected to continue offering free access to its price finder tools this year as more agencies are being included in the database. Instead of limiting the system to auto industry providers, consumers also have the option to review policies from life or health providers at http://quotespros.com/health-insurance.html.

About QuotesPros.com

The QuotesPros.com company is one national company that is helping the public to save cash during the purchase of an insurance policy. A database is now part of the tools that are open and usable by the public daily. The QuotesPros.com company is now a national provider of quotes that are independently offered by agencies in the U.S. and new providers are being added inside of the consumer accessible search platform weekly. Reported by PRWeb 21 hours ago.

Best Life Insurance for Adults Now Quoted at Insurer Portal Online

August 23, 2014, 6:11 pm

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The best life insurance rates for adults are now being quoted through the Quotes Pros website online. Rates are now available to compare at http://quotespros.com/life-insurance.html.

Atlanta, GA (PRWEB) August 23, 2014

Adults who are ready to make a purchase based on price for a long-term insurance policy can now use the Quotes Pros finder online. Some of the best life insurance prices for adults are now being prepared and displayed in real time at http://quotespros.com/life-insurance.html.

The instant quotes that are generated for men and women who make use of the nationally accessible system are offered by licensed U.S. companies. One benefit that a system user receives upon entry to the free of charge system is complete privacy during review of price data by agencies.

"We're one of the only companies that offers a direct link database to insurers that uses a zip code as the main way to review costs by the public," said a Quotes Pros rep.

The adult policies that are now open for review and to compare are not limited to general plans that insurers provide. A range of term, broad, universal and guaranteed life insurance policies can be reviewed for price markdowns and specific declarations during access to the open system.

"The adult rates that are found while using our system will benefit American men and women who cannot find a local agency to purchase a policy," said the rep.

The Quotes Pros company is also helping adults to prepare an accurate price for more coverage types that national insurers provide on the Internet this year. The rates database offers immediate access to motorcycle, automobile and health insurance costs at http://quotespros.com/motorcycle-insurance.html.

About QuotesPros.com

The QuotesPros.com company is now one American resource for the general public to rely upon for reviewing or locating new discounts for insurance packages. The company makes use of a connected system that helps consumers to explore agencies in one click. The QuotesPros.com company has added a range of different suppliers of insurance packages into its connected system this year to supply direct price data. Reported by PRWeb 21 hours ago.

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General Car Insurance by State Now Featured at Insurer Portal Online

August 23, 2014, 7:13 pm

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General car insurance is now sortable by state to find low prices at the Quotes Pros website. The insurer portal at http://quotespros.com/auto-insurance.html is open to use.

Los Angeles, CA (PRWEB) August 23, 2014

Looking up standard insurance policies at the state level is now a task that is available to users of the Quotes Pros website. The public insurer portal built in 2013 is now offering general car insurance by state to help motorists find the best prices at http://quotespros.com/auto-insurance.html.

The open portal is designed for immediate entry when a person enters a zip code that can be validated from any of the 50 U.S. states. Because the system works at the state level, local companies will be among the providers returned to a system user to begin exploring the rates available.

"The state-by-state process of looking of motor vehicle coverage plans is a new concept we're helping to pioneer from our Internet system," said a Quotes Pros source.

The insurer portal is now programmed to allow customization of policies before a total price is displayed. Drivers who are not searching for general policies can use the tools available to construct a price for collector, full coverage or SR22 coverage that agencies have available this year.

"All it takes is a zip code to start saving money when shopping for auto insurance using our programmed website," said the source.

The Quotes Pros company is beginning to experiment with other formats of coverage that companies are providing in the research tool for adults. Package prices for health, life and homeowner plans can now be reviewed when entering the alternate tool at http://quotespros.com/health-insurance.html.

About QuotesPros.com

The QuotesPros.com company continues to support all independent research through its public portal on the Internet to help American consumers compare price data through different agencies. The QuotesPros.com company has changed its policies for information distribution in the current year to help focus on the affordable prices that local or nationwide agencies provide for insurance products. Reported by PRWeb 20 hours ago.

CHROME® Renamed American National Collector Car Insurance

August 24, 2014, 12:05 am

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Car buffs offered numerous benefits with coverage especially tailored for collector vehicles.

Springfield, MO (PRWEB) August 24, 2014

To help car aficionados nationwide drive and care for their specialty vehicles, American National is further tailoring its well-respected custom car coverage with a new name: the specialty coverage known as CHROME is now American National Collector Car Insurance.

Coverage created by car buffs for car buffs, American National Collector Car Insurance represents the many options American National offers car enthusiasts to protect their big investments – options such as agreed value coverage, generous annual mileage, flatbed towing (where available), spare parts coverage and the opportunity to decide where vehicles will be repaired.

American National Collector Car Insurance also encompasses several additional unique coverage features including common cause loss deductible, which means clients will only pay one deductible per same occurrence regardless of the number of property items damaged or destroyed when those items are insured by American National, as well as the Fresh Start Discount that offers clients the opportunity to save money for making a switch to American National even before their current coverage expires.

Although the name change is a complete departure from CHROME – an acronym that stood for each type of collector vehicle covered – the generous discounts for those who insure multiple collector vehicles and cash back rewards for insuring both home and auto remain the same and are still some of the best in the industry. Also remaining are the knowledgeable American National agents nationwide who are ready to provide the personal service that specialty car owners want for their prized possession.    

“Choosing the right insurance is critical and when it comes to collector cars it’s definitely about more than the quickest quote or cheapest price,” says Jana Letterman, Collector Car Insurance marketing manager. “American National Collector Car Insurance is a new coverage name but it’s built on firsthand knowledge of the concerns collector car and truck owners face, as well as our tradition of honest, reliable service and fair claims.”

For more information about American National Collector Car Insurance, to locate an agent or to get a quote online, visit http://www.anpac.com

About American National
American National Insurance Company (American National), headquartered in Galveston, Texas, was founded in 1905 and is licensed in all states except New York. American National and its subsidiaries offer a broad line of products and services, which include life insurance, annuities, health insurance, credit insurance, pension products and property and casualty insurance for personal lines, agribusiness and certain commercial exposures. The family of companies operates in all 50 states.

American National established a dedicated property and casualty division in 1973 with American National Property And Casualty Company, Springfield, MO. This company serves 38 states not including NY. To better serve the unique insurance needs of the agricultural market, American National acquired the Farm Family group of insurance companies based in NY in 2001. For corporate and investor relations information, please visit American National’s website at http://www.anico.com.

Products and services may not be available in all states. Terms, conditions and eligibility requirements will apply. Property and casualty products and services may be underwritten by American National Property And Casualty Company, Springfield, Missouri, or one of its subsidiaries or affiliates: American National General Insurance Company, Springfield, Missouri; Pacific Property And Casualty Company (California); ANPAC Louisiana Insurance Company (Louisiana); American National Lloyds Insurance Company and American National County Mutual Insurance Company (Texas); Farm Family Casualty Insurance Company, Glenmont, New York; or United Farm Family Insurance Company, Glenmont, New York. Not all companies are licensed in all states. Each company has financial responsibility only for the products and services it issues. Reported by PRWeb 15 hours ago.

Tax Refunds May Get Hit Due to Health Law Credits

August 24, 2014, 6:54 am

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WASHINGTON — Taxes? Who wants to think about taxes around Labor Day?

But if you count on your tax refund and you’re one of the millions getting tax credits to help pay health insurance premiums under President Barack Obama’s law, … Reported by Epoch Times 8 hours ago.

Many ObamaCare Enrollees Subject To Unexpected Tax Bite

August 24, 2014, 1:52 pm

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Experts are projecting that perhaps as many as 2.3 million households "that received tax credits to help pay for their health insurance under Obamacare will lose all or a portion of their expected 2014 tax refunds."

If their actual 2014 income ends up higher than what they estimated it would be when applying for Obamacare, they'll be taxed on the difference. In essence, they'll have to make up for tax credits they may have received in error.



The Affordable Healthcare Act, known for its vague and ever-changing details, is sure to surprise many workers who underestimated their income or earned a larger income than estimated when they took Obamacare-related tax credits.

"More than a third of tax credit recipients will owe some money back, and (that) can lead to some pretty hefty repayment liabilities," said George Brandes, vice president for health care programs at Jackson Hewitt Tax Service.

ObamaCare may yet turn out to be the gift that keeps on taking and taking in the end. Reported by Breitbart 1 hour ago.

Tax refunds may get hit due to health law credits

August 24, 2014, 2:02 pm

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It's not too early to start thinking about taxes if you count on your tax refund every year and you're getting a tax credit to pay health insurance premiums under the new health law. Reported by WTHR 52 minutes ago.