Oct 30

Senior Health Insurance Alternatives

Are you one of the millions of US senior citizens who has a red, white, and blue Medicaer card?

Medicare is a large benefit, and it can provide security for its beneficiaries. However, Mediare does not cover everything. And there may be deductibles and copays for medical services that it does cover.

You can find ways to make the best use of your coverage. In fact, today’s seniors have several alternatives. Choices are great. Sometimes there are so many choices that it can be very difficult to figure out which plan will provide the best coverage.

Some choices to maximize health coverage are supplements, Advantage plans (MA), and prescription plans. To make this more confusing, some Advantage plans come with prescription coverage, but some do not. There are many different levels, or coverage choices, for supplements. And Advantage plans come from different companies, and they are all different too. For example, you can join MA plans that are HMOs, HMO-POS, PPOs, or Private Free For Service.

How do you understand what all of this means? Even more important, how can you dig through all of the dozens of choices to find out which one will be the best for you? Beneficiaries must consider their own distinct situation and needs in order to figure out which plan is best. Your age, where you live,, how you like to access health care, and budget will be important things to consider.

For example, if you have the budget to pay for a supplement, and you like to be sure that most health services will be covered, you may be happier with a higher level supplement. If your monthy budget is limited, but you are willing to make some small copays for medical services, you may want to explore some of the MA plans in your area.

You should also know that your selection of plans will be different depending upon where you live. The prices and coverage may also be different. The plans can vary by state, county, or zip code. This means that you cannot always rely on the suggestion of friends and family members who live in different cities than you do. The plan that your brother likes may not be on the market where you live. If it is on the market, it could be very different. You have to be able to find out which plans are accepting members in your area. You must look at the programs that are on the market in your own city.

There are lots of resources to help you find the best plan. You may want to talk to a good local agent who has been certified to work with Medicare health plans. It may also be helpful to find a web based quote system. Most online health insurance quote forms are very easy to complete. They can give you options from the comfort of your own PC at home or at work. If you use an online system, you will also get contact information for local agents or national insurance companies. You can always call them for more information. You should not be under any obligation to purchase anything, and the information should be free.

Get Medicare Advantage Pros and Cons so you can find the best health plan for you. The best advice about senior health insurance is a few clicks away.

Oct 29

Automotive Air Filters Market Demand Will Reach USD 6.10 Billion by 2020: Grand View Research, Inc.


San Francisco Bay Area, California (PRWEB) October 28, 2014

international automotive air filters market is anticipated to attain USD 6.10 billion by 2020, relating to new research by Grand see Research, Inc. Developing demand from automotive industry, especially in BRIC countries, due to increasing throwaway income and growing industrialization rate is expected to keep a vital driving factor the marketplace. Rising consumer understanding with regards to wellness conditions caused as a result of contaminated air inside vehicle cabin is also likely to have a confident impact on marketplace growth. Environmental risks regarding combustion engine automobiles have generated the development of electric cars, which adds minimal emissions and needs less upkeep of this engine. Development of electric vehicle industry is expected to challenge automotive air filter need on the forecast duration.

View complete report with TOC at http://www.grandviewresearch.com/industry-analysis/automotive-air-filters-market.

Cabin filters dominated the global automotive environment filters item portion and accounted for 51.3% of complete marketplace revenue in 2013. Cabin filters are expected to become fastest developing item segment, at an estimated CAGR of 8.5% from 2014 to 2020. Customer change towards lowering bad smell and minimizing wellness conditions caused because air toxins within the cars is expected to fuel demand for cabin air filters over the forecast duration.

Request free sample of this report at http://www.grandviewresearch.com/industry-analysis/automotive-air-filters-market/request.

Further crucial findings through the study advise:


Passenger cars were the largest application for automotive air filters market and taken into account 51.5% of total market revenue in 2013. Growth of traveler vehicles ownerships particularly in promising markets of India, China and Brazil is anticipated to-drive air filters need in traveler automobiles. Automotive air conditioner filter need in two wheelers is anticipated to develop at around CAGR of 8.5percent from 2014 to 2020.
Aftermarket dominated automotive air filter need, at over 70per cent of complete market revenue in 2013. It is also anticipated to become quickest growing end-use portion at around CAGR of 8.2per cent from 2014 to 2020. Customer move towards changing atmosphere filters to be able to minimize maintenance price is anticipated to-drive the automotive atmosphere filters demand in aftermarket.
Asia Pacific surfaced while the leading local market and accounted for 49.3percent of total marketplace revenue in 2013. Asia Pacific is also likely to function as fastest developing regional marketplace for automotive air filters at an estimated CAGR of 8.5% from 2014 to 2020. Development of automotive industry in promising markets of Asia, India and Indonesia is expected to drive the local market. Us marketplace is anticipated to witness steady growth because of data recovery of automotive industry into the U.S. and positive regulating situation in the region.
Top marketplace individuals taken into account under 50% associated with the complete marketplace revenue in 2013. Industry has actually experienced mergers and acquisitions throughout the last few years. This trend is expected to keep together with marketplace is likely to go towards consolidation over the next many years. Some of the leading participants operating in international marketplace consist of Mann+Hummel, Affnia, Cummins and Mahle Industries.

Browse all reports of this category at http://www.grandviewresearch.com/industry/automotive-and-transportation.

For the purpose of this research, Grand View Research has segmented the automotive air filters market on such basis as item, application, end-use and area:

     Global Automotive Air Filters Product Outlook (Revenue, USD Million, 2012 – 2020)
            • Intake

            • Cabin

     Worldwide Automotive Air Filters Application Outlook (Revenue, USD Million, 2012 – 2020)
            • Traveler Cars

            • Light & Heavy Commercial Cars

            • Two Wheelers

     International Automotive Air Filters End-Use Outlook (Revenue, USD Million, 2012 – 2020)
            • OEM

            • Aftermarket

     Global Automotive Air Filters Local Outlook (Revenue, USD Million, 2012 – 2020)
            • The United States

            • Europe

            • Asia Pacific

            • RoW

Browse all future reports by Grand see Research http://www.grandviewresearch.com/ongoing-reports

About Grand See Research

Grand see Research, Inc. is a U.S. structured general market trends and consulting company, registered inside State of Ca and headquartered in san francisco bay area. The business provides syndicated research reports, personalized analysis reports, and consulting solutions. To greatly help customers make informed business decisions, you can expect marketplace intelligence scientific studies guaranteeing relevant and fact-based research across a variety of companies, from technology to chemicals, materials and healthcare. To learn more, visit http://www.grandviewresearch.com/

Sherry James

Corporate Product Sales Professional, USA

Grand See Research, Inc

Mobile: 1-415-349-0058

Toll-free: 1-888-202-9519

Email: sales(at)grandviewresearch(dot)com

Related reports by Grand See Research:

Outsourced customer service solutions marketplace testing And Segment Forecasts To 2020 – http://www.grandviewresearch.com/industry-analysis/outsourced-customer-care-services-market

The worldwide marketplace for outsourced customer service services is anticipated to achieve USD 84.73 billion by 2020, in accordance with a new study by Grand View analysis, Inc. Transition towards number based or cloud based services is expected to profit little and medium organizations (SMBs) and help with penetrating promising areas.

Smart transport System (ITS) marketplace testing And Segment Forecasts To 2020 – http://www.grandviewresearch.com/industry-analysis/intelligent-transportation-systems-industry

The global market for smart transportation methods is anticipated to reach USD 38.68 billion by 2020, in accordance with a new study by Grand see analysis, Inc. Developing interest in optimizing fuel usage and lowering emissions is anticipated to be the main element power for the marketplace.







Oct 27

Latest State Insurance News

"Racism Insurance" Rescues Clueless White People From Accidental Intolerance
Like the superheroic deeds of State Farm agents in those ads, the Racism Insurance agents here materialize out of nothing and smooth out a situation–in this case, pale people's clumsy opinion-sharing. For instance, when a white office guy compliments …
Read more on Co.Create

Blue Cross reveals 2015 health insurance rates
Blue Cross said rates would rise an average of 13.5 percent for 315,000 customers who enrolled this year in individual plans that comply with President Barack Obama's health insurance law. It cautioned that the actual increase for each policy will be …
Read more on News & Observer

Oct 26

What You Need To Know About South Carolina Auto Insurance

Wherever you are in South Carolina, so long as you have actually a motor vehicle, you need to have it guaranteed using sc auto insurance. Regulations states that should you are a resident of this condition and you are driving a vehicle, you have to have it guaranteed asap. Keep reading for more information information about getting the automobile insured inside Palmetto State.

Should you not insure your automobile just before get your driver’s license, you will be facing countless judicial punishments plus charges and costs that needs to be compensated. Whenever you make an application for a license, their state legislation needs that you should pass a proof that the vehicle has-been guaranteed currently.

Even when you might be only planning to restore your license in the long run, an evidence of your plan or coverage should be submitted before your demand may be processed. The only method feasible that a job candidate for permit is waived is when the candidate will not possess a vehicle.

In the event that you however tend to be skeptical and having second thoughts about guaranteeing your car, bear in mind these scenario. Whenever you are operating around city while break any traffic rules, the true difficulty could come once the officer comes. He is probably ask you for the evidence of protection on that exact same day. If you fail to provide him any, you may need to face the effects as dependant on law.

While in a position to show the officer the proof your protection policy, he’ll after that supply something called a Notice of Requirement or what is called as Form FR-10. This type ensures that you as a driver currently provided proof your protection plan. You’ll want to send this within fifteen times or your driver’s license could be suspended.

Like most says, the Palmetto State needs all resident drivers to incorporate Bodily Injury Liability and Property harm Liability in protection. Bodily Injury Liability covers all costs incurred from real damages associated with the involved party and Property Damage Liability covers all costs sustained from the damage to the cars of involved party.

There’s also particular minimal amounts needed in this condition. By way of example, physical damage per individual must be at the least 25 thousand bucks and for property damage. When you are into the Palmetto condition you need to abide in every the guidelines of South Carolina auto insurance.

To locate comprehensive informative data on sc auto insurance ? Have the low-down now within our guide on the newest and biggest car ins carrier app for smartphone .

Shot and edited by Zane Blanchard. Additional shots by Kristen Leach.

Oct 25

PenFed Credit Union Contributes $100,000 to Help USO Bring Platinum Recording Artist Trace Adkins to Fort Hood

Alexandria, Va. (PRWEB) October 21, 2014

Pentagon Federal Credit Union (PenFed) and the USO have partnered to present a family-friendly concert featuring platinum recording artist Trace Adkins at Fort Hood Saturday, Nov. 1, 2014. The moment-filled, morale-boosting USO concert is designed to thank the members of the Fort Hood military community for their service, and help bring camaraderie, fun, and good times to troops and their families. Early last month, PenFed presented the USO with a generous donation of $ 100,000 to help fund the costs of the upcoming concert.

PenFed President and CEO, James R. Schenck said, “As a former Army officer, I know what it means for morale to have a superstar entertainer perform for the troops and community. Like all of our folks in uniform serving here in the states and around the globe, the Soldiers and their families at Fort Hood have contributed their share, and then some, when it comes to the defense of the nation. We are proud to partner with the USO and the Fort Hood Command Group.”

“The USO is proud to partner with PenFed and we are inspired by their generous donation to help us bring a very special concert to the Fort Hood military community,” said Dr. J.D. Crouch II, President and CEO of the USO. “With PenFed’s support, our upcoming show with Trace Adkins will bring the Fort Hood community together and let them know we are always by their side.”

Established in 1935, PenFed is one of the largest credit unions in the country serving nearly 1.3 million members. Its longstanding mission has been to provide superior financial services in a cost effective manner, while responding to members’ needs. The connectedness to those who serve is a significant part of PenFed’s culture. The credit union plays an active role in events like this concert and other initiatives designed to meet the needs of the troops, their families, and veterans.

The USO is a private, nonprofit organization that creates more than 30,000 special moments for military families, like this Trace Adkins USO concert sponsored by PenFed, every single day all around the world. From providing a touch of home at its more than 160 USO locations at airports and military bases in the U.S. and abroad, to its delivery of top quality entertainment and innovative services, the USO provides critical support to those who need us most—forward-deployed troops, military families, wounded warriors and their families, families of the fallen, and troops in transition. Each of the USO’s moments, programs and services are made possible by the American people, support from our corporate partners, like PenFed, and the dedication of our volunteers and staff.

Trace Adkins’ trademark baritone has powered countless hits to the top of the charts and turned albums into Platinum plaques, selling over 10 million albums, cumulatively. Among the many memorable hits for the Grammy-nominated member of the Grand Ole Opry are “(This Ain’t) No Thinkin’ Thing,” “Ladies Love Country Boys” and “You’re Gonna Miss This.” No stranger to supporting military families and performing for sold-out venues around the world, Atkins has volunteered with the USO since 2002. Over the past seven years, he has participated in seven USO tours in Afghanistan, Bahrain, Germany, Iraq, Japan, Kuwait, and the U.S.

About PenFed

Established in 1935 as the War Department Credit Union, PenFed is one of the largest credit unions in the country, serving 1.3 million members worldwide; with more than $ 19 billion in assets. Its long-standing mission has been to provide superior financial services in a cost effective manner, while being responsive to members’ needs. PenFed offers market-leading mortgages, automobile loans, credit cards, checking, and a wide range of other financial services with its members’ interests always in mind. Serving a diverse population, PenFed offers many ways to become a member; including numerous association affiliations and employee groups. PenFed is federally insured by the NCUA and is an equal housing lender. PenFed does business in accordance with the Federal Fair Housing Law, the Equal Credit Opportunity Act, and is a member of NAFCU. To learn more about PenFed, visit PenFed.org.

About the USO

The USO lifts the spirits of America’s troops and their families millions of times each year at hundreds of places worldwide. We provide a touch of home through centers at airports and military bases in the U.S. and abroad, top quality entertainment and innovative programs and services. We also provide critical support to those who need us most, including forward-deployed troops, military families, wounded warriors, troops in transition, and families of the fallen. The USO is a private, non-profit organization, not a government agency. Our programs and services are made possible by the American people, support of our corporate partners and the dedication of our volunteers and staff.

In addition to individual donors and corporate sponsors, the USO is supported by President’s Circle Partners: American Airlines, AT&T, BNSF Railway, Clark Construction Group, LLC, The Coca-Cola Company, Grand Canyon University, JCPenney, Jeep, Johnson & Johnson, Kroger, Northrop Grumman Corporation, TriWest Healthcare Alliance, and Worldwide Strategic Partners: BAE Systems, BIC, The Boeing Company, ConAgra Foods, FedEx, Lockheed Martin, Microsoft Corporation, Procter & Gamble, TKS Telepost Kabel-Service Kaiserslautern GmbH & Co. KG, and Wawa Inc. We are also supported through the United Way and Combined Federal Campaign (CFC-11381). To join us in this important mission, and to learn more about the USO, please visit uso.org.







Oct 20

Michigan Auto Law Attorney Steven Gursten to Speak on Advocating for Traumatic Brain Injury Survivors at 360 Advocacy Group & Michigan Association for Justice Seminars

Farmington Hills, MI (PRWEB) September 27, 2014

Teaching lawyers about traumatic brain injury (TBI) does not begin with the topic of how to get bigger settlements, as many people believe. What’s more important is teaching lawyers how to advocate for the brain injury survivor in a world that often doesn’t understand their challenges, says attorney Steven Gursten, of Michigan Auto Law, a Farmington Hills-based law firm.

“This lack of understanding is reflected in the frustration many brain injury survivors have in finding effective legal representation,” Gursten says. “Brain injury cases are more expensive and can be harder to win, so many attorneys refuse to take them. And when they do, this frustration is often magnified by how insurance companies choose to defend these cases in civil lawsuits.”

This week, Gursten will be speaking on brain injury at two advanced legal seminars for attorneys who practice auto accident litigation.

On September 27 and 28, Gursten will be moderating and speaking at “Auto Crash Litigation 3.0,” in Chicago, sponsored by the 360 Advocacy Institute His topic is called, “Why There’s More to Maximizing Settlements for Brain Injury Cases.”

On September 29, Gursten will be in Southfield, Michigan, presenting to the Michigan Association for Justice during the annual No Fault Institute. His topic is,“Mild Traumatic Brain Injury in Motor Vehicle Crash Cases – How to Identify and Prove this to Adjusters and Juries.”

“Accident victims with brain injury need compassion in a society that doesn’t usually comprehend what they’re experiencing. It isn’t like the movies. Too often, brain injury survivors look normal but have terrible problems. And they often don’t get better,” Gursten said. “They deserve to have effective legal representation from lawyers who understand the law and the medicine of brain injury.”

Gursten plans to discuss the following :


17 potential “defense attacks” in brain injury litigation, such as no accompanying physical injuries, low vehicle damage and no loss of consciousness.
New technology that can better help prove brain injury, such as Diffusion Tensor Imaging (DTI).
The injuries that usually accompany TBI that many lawyers miss, such as chronic pain syndrome, fatigue and depression.

“This is really about teaching lawyers to understand the medicine of brain injury and explain it to the defense attorneys, insurance adjusters and juries,” Gursten said.

The 360 Advocacy Institute hosts legal conferences and legal seminars throughout the United States.

The Michigan Association for Justice is the state’s largest organization of personal injury attorneys and consumer protection lawyers.

Gursten is an active member of both organizations.

About Michigan Auto Law: Michigan Auto Law has 17 lawyers exclusively handling automobile accident and No-Fault insurance litigation throughout the state. The law firm has received the top-reported jury verdict or injury settlement for a car or truck accident victim for the past 15 consecutive years, according to published reports by Michigan Lawyers Weekly. Michigan Auto Law has offices in Farmington Hills, Detroit, Sterling Heights, Grand Rapids and Ann Arbor. For more information, visit http://www.michiganautolaw.com or call (800) 777-0028.

About Steven M. Gursten: Steven Gursten is recognized as one of the nation’s top attorneys handling serious auto accident injury and wrongful death cases. Steve is an active leader in many prominent legal organizations, including current President of the Motor Vehicle Trial Lawyers Association and Past Chair of the American Association for Justice Truck Accident Litigation Group. He has been named a Michigan Lawyers Weekly “Lawyer of the Year.” Steve is also listed in Best Lawyers in America and is named one of the Top 100 Lawyers in Michigan by Super Lawyers. Steve lectures at seminars throughout the country on topics such as trial advocacy, traumatic brain injury, truck accident litigation and maximizing personal injury settlements.







Oct 19

Having Family Life Insurance Is An Important Step for Achieving Financial Security


(PRWEB) October 17, 2014

Lifeinsurancerating.us has released a new blog post explaining the importance of having family life insurance.

A life insurance policy guarantees the financial stability of a family. Every provider should purchase a policy as life coverage provides death benefits that can help the remaining family members pay for various expenses.

Life insurance can be affordable and clients who have a busy schedule have the option of purchasing a plan that does not require medical examinations.

Probably, the best way for finding life insurance is to compare quotes on insurance brokerage websites. Comparing quotes can save up to 40% of life insurance costs.

Lifeinsurancerating.us is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

Lifeinsurancerating.us is owned by Internet Marketing Company.

For more information, please visit http://lifeinsurancerating.us .







Related Insurance Coverage Press Releases

Oct 18

Clustering Software Market worth $2,940.8 Million in 2019 – New Report by MarketsandMarkets


(PRWEB) October 17, 2014

According to new research report “Clustering Software Market by Solutions (System Management, Parallel Environment, and Workload Management), by Components (Professional Services, Software and Licenses), by Platforms (Windows, Linux and Unix), by Deployment Types (Hosted and On-Premises) – Global Forecast to 2019″, by MarketsandMarkets, provides a comprehensive market and forecast analysis of the overall market, segmented by solutions, components, operating system, deployment types, regions, and verticals.

Browse 84 market tables and 46 figures spread through 156 pages and in-depth TOC on “Clustering Software Market by Solutions (System Management, Parallel Environment, and Workload Management), by Components (Professional Services, Software and Licenses), by Platforms (Windows, Linux and Unix),& by Deployment Types (Hosted and On-Premises) – Global Forecast to 2019″

http://www.marketsandmarkets.com/Market-Reports/clustering-software-market-54472040.html

Early buyers will receive 10% customization on this report.

Speak to Analyst: http://www.marketsandmarkets.com/speaktoanalyst.asp?id=54472040

Clustering software market is categorized by software products and services that help to coordinate with multiple distributed systems as well as manage and control different software applications. This enables the entire IT infrastructure to be viewed as a single computing resource. The availability of the entire computing resource as cluster allows failover, high availability, and uninterrupted functional benefits.

The report covers all the major sub-segments of the enterprise content management market and provides the quantitative (market size and market growth) and qualitative (trends, analysis, and insights) for those segments. This comprehensive coverage of the clustering software market provides important inputs such as drivers, restraints, and opportunities in this market, profiles the major players in this market, maps the competitive landscape, and provides the overall perspective on the system integration market in the various verticals and regions.

MarketsandMarkets broadly segments the global clustering software market by regions: North America (NA), Asia Pacific (APAC), Europe, Middle East and Africa (MEA), and Latin America (LA); by solution types: system management, parallel environment and workload management solutions; by components: professional services, software and licenses; by operating system: Windows, Linux, Unix and Others; by deployment types: hosted and on-premises and by end users: small and medium Businesses (SMBs), enterprises, and large enterprises.

MarketsandMarkets forecasts the global clustering software market to grow from $ 2,207.1 million in 2014 to $ 2,940.8 million in 2019. In terms of regions, North America is expected to be the biggest market in terms of market size, while Europe and Asia-Pacific (APAC) are expected to experience increased market traction, during the forecast period.

Inquire before buying: http://www.marketsandmarkets.com/Enquiry_Before_Buying.asp?id=54472040

Browse Related Reports

Enterprise Social Software (ESS) Market (On Premise, On Demand, Social Collaboration, Enterprise Social Networks) – Global Advancements, Demand Analysis & Worldwide Market Forecasts (2014 – 2019)

http://www.marketsandmarkets.com/Market-Reports/enterprise-social-software-market-568.html

Platform as a Service (PaaS) Market – Global Advancements, Business Models, Technology Roadmap, Worldwide Market Forecasts & Analysis (2013 – 2018)

http://www.marketsandmarkets.com/Market-Reports/enterprise-platform-as-a-service-paas-market-814.html

About MarketsandMarkets

MarketsandMarkets is world’s No. 2 firm in terms of annually published premium market research reports. Serving 1700 global fortune enterprises with more than 1200 premium studies in a year, M&M is catering to multitude of clients across 8 different industrial verticals. We specialize in consulting assignments and business research across high growth markets, cutting edge technologies and newer applications. Our 850 fulltime analyst and SMEs at MarketsandMarkets are tracking global high growth markets following the “Growth Engagement Model – GEM”. The GEM aims at proactive collaboration with the clients to identify new opportunities, identify most important customers, write “Attack, avoid and defend” strategies, identify sources of incremental revenues for both the company and its competitors.

M&M’s flagship competitive intelligence and market research platform, “RT” connects over 200,000 markets and entire value chains for deeper understanding of the unmet insights along with market sizing and forecasts of niche markets. The new included chapters on Methodology and Benchmarking presented with high quality analytical info graphics in our reports gives complete visibility of how the numbers have been arrived and defend the accuracy of the numbers.

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Oct 16

Latest Cheap Insurance Quote News

NFL Sunday: A look at the rest of the division and the AFC in general 10-5-14
WEEI all presented by our good friend to complaints the insurance — complaints insurance. …. I thought of the moon quote put in order there might have been little bit premature. … He took the cheap road out of for the most part in him everything …
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7 lessons producers can learn from Saturday morning cartoons
Turns out, of the many different and connected reasons that spelled the demise of the Saturday morning cartoon, there are several in particular that insurance producers will find especially relevant to their own struggles to maintain healthy practices …
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