I was reading an article the other day which stated that one in five drivers do not have automobile insurance coverage, or very little. That was very disturbing to me because I realized if I was ever in an accident the odds are very great that if the other driver was at fault is a very good possibility that they would not have automobile insurance. That would leave me having to rely on my insurance company to pay all of the costs which means that my automobile insurance rates would increase. That’s very frustrating when I think about it. I decided to get new auto insurance quotes so that I can include uninsured motorist protection to avoid that scenario. I found that with the quotes I’m receiving, to add this valuable coverage was very minimal. Part of me wishes that the same would hold true for affordable health insurance as well.

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That’s another issue that we’re dealing with in my family. With the high cost of healthcare we cannot afford to be without health insurance coverage but trying to find that is proving to be a bit more difficult. In order for the premiums to be at a reasonable rate we have to increase the deductible which means that our out-of-pocket expenses initially could quite possibly be more than we can afford. As I’ve been shopping around for better insurance rates I’ve been trying to bundle our insurance so that we can get coverage from one company with the hopes that they would be able to offer a discount on the different insurance products that we need. I did find however, that CIGNA health insurance coverage was slightly less than all of the others that I have been quoted. This is quite the dilemma that I’m finding myself in, but I need to make a decision so that I know that I and my family would be covered in the event of an emergency.

My thoughts then turned to my parents with regard to their insurance coverage in their retirement years. As I was talking to my mom about this I found out that she and my dad are both enrolled in a Medigap insurance plan that helps cover the costs that original Medicare won’t. In addition they are able to get their insulin supplies with this valuable coverage and their Medicare providers are the same physicians that they have been seeing for years. They called 1-800-MEDIGAP and received all of the information they needed to help make the best decision for their situation.

1-800-MEDIGAP