> Destroyed or damaged records If your business records are destroyed or damaged by a covered peril, this insurance will compensate you for the inability to collect income and for the cost of reproducing the records.
> Basic Hospital Basic-hospital plans cover only in-hospital (inpatient) care, not other services. This benefit also may be limited to an approved or network facility. Hospitalization in a different facility may qualify for less coverage or none at all.
Most individuals go through a number of life events that affect their health benefit needs and the choices they make. There are several important federal laws that affect your benefits under a job-based health plan.
HIPAA protects individuals who have preexisting conditions, helping them to keep coverage for those conditions or get coverage for them in no more than 12 or 18 months through limits on the length of preexisting condition exclusions. HIPAA also helps individuals who might suffer discrimination in health coverage on the basis of health status when they change jobs.
COBRA generally requires that most group health plans of employers with at least 20 employees offer employees and their dependents the opportunity to continue their health plan coverage for limited periods of time when the employee loses his or her job or has a reduction in hours that would result in a loss of coverage.
If you live in the following cities and need an Insurance Advisor or to get a
quote, you should contact our Missouri Insurance Advisors today:
Arnold
Ballwin
Belton
Blue Springs
Cape Girardeau
Chesterfield
Columbia
Fenton
Florissant
Grandview
Independence
Jefferson City
Joplin
Kansas City
Lebanon
Liberty
O Fallon
Poplar Bluff
Rolla
Saint Charles
Saint Louis
Saint Peters
Sedalia
Sikeston
Springfield
Did You Know?
About property and liability exposures
If you operate a home-based business – either part-time or full-time – you might be uninsured for coverage and not realize it. Many home-based business owners mistakenly believe that their homeowner policy will provide coverage for their business operations. It’s true that your homeowner’s policy may provide a limited amount of coverage for business-related personal property in the home. But it may not provide full coverage for the added property and liability exposures that the home business represents.
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Latest News
Latest Insurance related news in
Missouri and nationwide:
Mar 02, 2007 - Tips For Individual Insurance Before you buy any health insurance policy, make sure you know what it will pay for...and what it won't. To find out about Read more >
Mar 02, 2007 - Keep Health Coverage After A Job Change Most individuals go through a number of life events that affect their health benefit needs and the choices they make. Ther Read more >
Mar 02, 2007 - More Americans Struggle With Health Care Costs TUESDAY, Dec. 12/2006 (HealthDay) More Americans are forced to spend more of their family income on health care, and more Read more >
Legal Disclaimers The information provided on Missouri Insurance Advisors.com is not intended to be insurance advice, but merely conveys
general information related to insurance issues commonly encountered.
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