• The annual pricing survey from the California Department of Insurance helps drivers narrow the list of which insurers to request a quote from-and to see how their current insurer's pricing compares. (consumer-action.org)
  • By Lyle Adriano, INSURANCE BUSINESS AMERICA March 23, 2021 https://www.insurancebusinessmag.com/us/news/breaking-news/california-supreme-court-rules-insurers-are-not-immune-to-lawsuits-over-excessive-insurance-costs-250183.aspx The California Supreme Court has ruled that insurance companies cannot avoid lawsuits filed by consumers over excessive title insurance costs - a ruling which could set an important precedent for all. (consumerwatchdog.org)
  • While all insurance premium prices are based on risk, most other insurers in Aotearoa spread that risk - and the cost - across the community. (consumer.org.nz)
  • While none of the other insurers we monitor for our house and contents insurance survey said they are following Tower's lead, if they did, there may be few options for some homeowners to insure their largest asset. (consumer.org.nz)
  • A new law in Illinois will establish a review process for members of health insurance plans, make insurers' profits more transparent and standardize certain applications. (netquote.com)
  • Since consumers need to decide before January whether or not they want to switch insurers, ACM and the NZa are now calling on consumers to pay close attention when choosing a basic health insurance package. (acm.nl)
  • Consumers are thus able to save substantially by paying close attention and potentially by switching health insurers. (acm.nl)
  • Furthermore, by switching, they also stimulate competition in the health insurance market, and keep health insurers on their toes. (acm.nl)
  • For consumers, switching health insurers takes time and effort, and is not as easy for everyone. (acm.nl)
  • René Jansen, Member of the Executive Board of the NZa, adds: "Insurers have already taken major steps in order to make it easier for consumers to compare health insurers, for example with the so-called health insurance overview. (acm.nl)
  • Health insurers, consumer associations and patients' associations, and other market participants will be able to comment on the research methodology, the provisional results, and the possible solutions that ACM and the NZa propose. (acm.nl)
  • The Insurance Council of Australia and Insurers have chosen to fast-track their support for Customers who are experiencing vulnerability, including financial hardship, by implementing Part 9 - Supporting Customers Experiencing Vulnerability and Part 10 - Financial Hardship key consumer provisions of the new General Insurance Code of Practice from 1 July 2020. (insuranceadviser.net)
  • In short, worried that insurance companies would not apply to sell their plans here, the Exchange Board decided to accept all applicants, not negotiate prices, or check to make sure applicants have the ability to provide the health coverage, or moving forward, whether those insurers have actually provided the services. (ctnewsjunkie.com)
  • The Insurers were Pramerica Life Insurance, Max Life Insurance, HDFC Life Insurance, and ICICI Prudential Life Insurance to see how they use digital advertisements, particularly social media, to attract target audiences and increase conversion rates. (ssrn.com)
  • Overall, Pennsylvania continues to have a healthy and competitive health insurance market and insurers are committed to providing the ACA coverage options Pennsylvanians deserve," Altman said. (paproviders.org)
  • A Senate committee has recommended a major shake up to the laws on home and car insurance with changes that would empower Australians to have a positive experience with insurers. (consumeraction.org.au)
  • The committee's recommendations reiterate what Consumer Action and other advocates have been saying for a long time now-many insurance products have hidden and unfair exclusions, and a lack of competition means insurers can impose a 'lazy tax' at renewal time. (consumeraction.org.au)
  • The committee is of the view that the exemption of general insurers from the unfair contract terms provisions contained in the ASIC Act is unwarranted and creates a significant gap in consumer protections. (consumeraction.org.au)
  • They are bred to hate Proposition 103 and to hate the intervenor process," Amy Bach, executive director of United Policyholders, a consumers group, said of insurers. (uphelp.org)
  • The lack of consumer understanding of health insurance, coupled with inadequate or unclear messaging from government and private insurers, is a major problem when health plan members are supposed to comparison shop for providers and services. (sinfras.com)
  • Rep. John Cosgrove, D-Miami, chairman of the House Insurance Committee, has prepared two bills that he hopes will protect consumers while easing insurers' worries of unlimited liability in the event of another hurricane like Andrew - or worse. (orlandosentinel.com)
  • LANSING, MICH) The Michigan Department of Insurance and Financial Services (DIFS) is offering a virtual town hall event to help answer questions about open enrollment on the Health Insurance Marketplace, which runs until Sunday, January 15, 2023. (michigan.gov)
  • In June 2023, a federal judge in the Northern District of Illinois denied Aon Corp.'s request for a temporary restraining order against Alliant Insurance Services, Inc. and nine former Aon employees after they allegedly. (jdsupra.com)
  • Consumers in the state will, for the first time, be granted access to insurance companies' profit and premium data, helping Illinoisans "find out how much of [their] premium dollars actually go to healthcare," in the words of State Representative Greg Harris, a Chicago Democrat. (netquote.com)
  • This is one of the provisional conclusions of a study carried out by the Netherlands Authority for Consumers and Markets (ACM) and the Dutch Healthcare Authority (NZa), which has been made available for consultation for the next two months. (acm.nl)
  • Healthcare is one of the biggest expenses consumers make. (sinfras.com)
  • Adding up premiums, deductibles, and cost-sharing for healthcare services and technologies, spending by consumers on healthcare comprises on average more than $6,000 per person on an annual basis. (sinfras.com)
  • More than 25% said they had avoided healthcare because they were unsure what their insurance covered. (sinfras.com)
  • While HSA funds cannot be used to pay for monthly premiums, HSA-eligible HDHPs are attractive to many consumers because the premiums are generally lower. (nclnet.org)
  • In 1988, Californians revolted against excessive auto, homeowner, and business insurance premiums and passed Proposition 103, a ballot measure written by Consumer Watchdog founder Harvey Rosenfield to rein in insurance companies. (consumerwatchdog.org)
  • Less than a third of the 1,000 adults surveyed said they were very confident that they understood how health care costs determine their insurance premiums. (netquote.com)
  • You agree to pay premiums, often for the rest of your life, and the insurance company agrees to pay your heirs the death benefit whenever you die. (checkbook.org)
  • If your home is assessed as high risk of flood, and house insurance premiums become unaffordable, it could leave you in a precarious situation if disaster strikes. (consumer.org.nz)
  • Harrisburg, PA - Insurance Commissioner Jessica Altman today released the 2021 requested rate filings for health insurance plans under the Affordable Care Act, highlighting that the average rate requests would result in an average decrease in premiums in the individual market, allowing consumers greater flexibility and increased access to affordable, comprehensive coverage. (paproviders.org)
  • The survey results promote the ideas that technology can be used to understand driving habits, make auto insurance premiums fairer and give individuals greater control over insurance costs," Werner said. (canadianunderwriter.ca)
  • If small businesses only purchase insurance in the small group market when their employees are sick, premiums would go up for everyone. (cohealthinitiative.org)
  • Using 2015 data from the National Association of Insurance Commissioners (NAIC), the most recent available as the research was undertaken, CFA calculated the change in both total auto insurance expenditures (the average drivers spend on all coverages) and auto liability premiums (which excludes comprehensive and collision coverage) around the country since 1989. (consumerfed.org)
  • This means that health insurance companies cannot use the results of a direct-to-consumer genetic test (or any other genetic test) to deny coverage or require you to pay higher premiums. (medlineplus.gov)
  • Critics in the insurance industry and others contend that Proposition 103's intervenor process has done nothing to lower premiums paid by millions of auto and property insurance customers and may actually cause them to be higher than they would be without it. (uphelp.org)
  • The challenges, they say, play an important role in leveling the playing field between consumers and insurance companies, who wrote policies covered by Proposition 103 totaling $50.3 billion in premiums in 2015. (uphelp.org)
  • Elizabeth Silverman, 55, secretary of the 342-unit Park South Condominium Association in Lauderhill, said their plan's premiums rose this year from $17,746 to $69,675 - plus another $750 for directors' and officers' insurance. (orlandosentinel.com)
  • A survey by the National Association of Insurance Commissioners shows that many consumers are not fully informed about the costs and coverage of their health insurance. (netquote.com)
  • The data show that drivers save more money when insurance companies face scrutiny and are required to abide by consumer protections standards," said study co-author J. Robert Hunter, CFA's Director of Insurance and former Texas Insurance Commissioner. (consumerfed.org)
  • One thing that these news reports do not acknowledge is the fact that the Affordable Care Act puts into place first-ever federal network adequacy and provider directory accuracy protections for private insurance consumers. (familiesusa.org)
  • consumer protections & insurance. (healthyfuturega.org)
  • Case Update: Allstate Price Optimization Allstate Faces a California Hearing in May on an Estimated $1 Billion in Auto Insurance Overcharges Evidence Shows Allstate Penalized Its Best Customers, Violating California's Proposition 103 After a seven-year investigation, Allstate, the fourth largest auto. (consumerwatchdog.org)
  • Los Angeles, CA - In response to Consumer Watchdog's challenge to Medical Insurance Exchange of California's ("MIEC") proposed rate increase on doctors' and medical providers' medical malpractice insurance, MIEC has agreed to cut the average overall rates it. (consumerwatchdog.org)
  • Drivers in other states could save $60 billion a year by adopting California's approach to regulation and consumer protection. (consumerfed.org)
  • That is the year that California's 1988 voter approved insurance reform initiative Proposition 103 took effect, marking a critical point of divergence for that state's market and an opportunity to track the impact of consumer protection laws. (consumerfed.org)
  • The report also highlights the fact that California's consumer protection regime - often derided by the insurance industry - nurtures the second most competitive auto insurance market in the nation. (consumerfed.org)
  • This virtual viewing room allows you to see insurance company rate filings, examination reports, and related information. (ca.gov)
  • Rate filings for 2021 health insurance plans were submitted to the Insurance Department on May 19. (paproviders.org)
  • But supporters, including the office of Insurance Commissioner Dave Jones, say outside groups get involved in less than 1 percent of rate filings. (uphelp.org)
  • Department officials estimated that about 100 employees there work in divisions that review insurance companies' rate filings. (uphelp.org)
  • His Division of Consumer Services team will be on site as well as Insurance Commissioner David Altmaier and a team from the Office of Insurance Regulation. (pcbeach.org)
  • In addition to looking at the states individually, the report considered how consumers and companies fared under the several different approaches to rate regulation common around the nation. (consumerfed.org)
  • Nearly 30 years ago, consumer activist Harvey Rosenfield wrote and helped qualify Proposition 103, the November 1988 ballot measure that overhauled state regulation of home and auto insurance rates. (uphelp.org)
  • They complicate the negotiations," said Bill Gausewitz, a former deputy insurance commissioner for policy and regulation under former Commissioner Steve Poizner. (uphelp.org)
  • 603-224-2805), an advocate with the nonprofit Consumer Federation of America and a retired life insurance actuary and former insurance commissioner for Vermont, runs a service that calculates the true rates of investment returns. (checkbook.org)
  • Washington, D.C. - Auto insurance rates have risen at a significantly slower pace in states that actively regulate auto insurance prices than those with less vigorous oversight processes, according to an analysis of nearly 30 years of data released today by the Consumer Federation of America (CFA). (consumerfed.org)
  • A survey by Life Happens and LIMRA published in April 2021 found that about 31 percent of consumers said they are more likely to buy life insurance because of the pandemic. (iii.org)
  • Total U.S. life insurance premium increased 21 percent in the second quarter 2021, the largest year-over-year increase since third quarter 1987. (iii.org)
  • By Ross Todd, LAW.COM May 5, 2020 https://www.law.com/therecorder/2020/05/05/transamerica-gets-preliminary-sign-off-on-settlement-of-overcharge-claims/ A federal judge in Los Angeles has given preliminary approval to a deal that Transamerica Life Insurance Co. reached with certain policyholders who claim the company improperly increased monthly charges withdrawn from their. (consumerwatchdog.org)
  • Companies with the strongest digital capabilities are benefitting from a 30 percent to 50 percent increase in online life insurance sales since January 2020, according to Deloitte . (iii.org)
  • Consumers like shopping online, and interest in agent-driven sales is decreasing, with just 41 percent of consumers saying they prefer to buy in-person in 2020 - down from 64 percent in 2011. (iii.org)
  • TrustedChoice.com made over 4 million individual independent agency recommendations to online insurance shoppers since January 2020. (trustedchoice.com)
  • 2020 has been a huge year of growth in consumer activity for TrustedChoice.com. (trustedchoice.com)
  • Los Angeles -- CSAA - the northern California Auto Club affiliate - overcharged its customers by at least $150 million for auto insurance during the pandemic, and they're going to court to get their money back. (consumerwatchdog.org)
  • INDIANAPOLIS (Nov. 3, 2022) - The pandemic brought consumer awareness about the need for life insurance, but it didn't have the same impact on long-term care planning, according to new research from a 2022 OneAmerica consumer study on long-term care. (insurancenewsnet.com)
  • The grim prospect of mortality, as well as the financial havoc wrought by the pandemic, has led many people to consider protecting their loved ones with life insurance. (iii.org)
  • Deloitte research found that underinsured Hispanic/Latino buyers were most interested in increasing life insurance coverage as a response to the pandemic, followed most closely by Black buyers. (iii.org)
  • When the pandemic hit, we saw insurance consumer activity rise steadily to all-time records. (trustedchoice.com)
  • Consumer Watchdog attorneys are here for you when insurance companies charge illegal rates or abuse your rights. (consumerwatchdog.org)
  • Consumer Watchdog Says Lara's Undisclosed Deal Will Allow Insurance Companies to Use Algorithms And Reinsurance Costs to Hike Home Insurance Rates, Potentially Turning California. (consumerwatchdog.org)
  • Mailing lists for active individuals, agencies, and insurance companies and order forms. (ca.gov)
  • In response to the prolonged issues consumers are having with insurance companies, Chief Financial Officer Jimmy Patronis will deploy an insurance consumer village in Panama City, Monday, May 6 and Tuesday May 7. (pcbeach.org)
  • Small businesses have been at a disadvantage for years, unable to get the price advantages that large companies get when purchasing insurance for larger pools of employees. (ctnewsjunkie.com)
  • State laws strongly regulate consumer behavior by requiring that drivers buy insurance, but most states don't do nearly enough to regulate the practices of the companies selling that insurance. (consumerfed.org)
  • It found that states that use a "prior approval" system, which requires insurance companies to justify their rate changes to state regulators before implementing them, see better consumer outcomes than states with weaker approaches to oversight. (consumerfed.org)
  • The states that ask insurance companies to demonstrate the appropriateness of rate hikes before imposing them, raise rates the least, without sacrificing industry profitability or market competitiveness. (consumerfed.org)
  • It's great to see that they've recommended removing the absurd exception that insurance companies have from unfair contract terms laws. (consumeraction.org.au)
  • Ottawa, October 25, 2004 - The Consumers' Association today called on insurance regulators across Canada to protect consumers by taking action on secret commissions paid to brokers to steer business to particular insurance companies. (insurance-canada.ca)
  • Secret commissions provide incentives to brokers to steer consumers to particular insurance companies irrespective of whether these companies offer the best product at the lowest price. (insurance-canada.ca)
  • Even though the insurance companies privately disclose to regulators the payment of secret commissions Governments turned a blind eye to this practise," said Mr. Cran. (insurance-canada.ca)
  • It is unclear whether genetic information, including the results of direct-to-consumer genetic testing, will become a standard part of the risk assessment that insurance companies undertake when making coverage decisions. (medlineplus.gov)
  • The measure, among its provisions, created an elected insurance commissioner, and required insurance companies to get the agency's approval for rate changes. (uphelp.org)
  • Opponents warned that it could cause insurance companies to leave the California market. (uphelp.org)
  • Insurance companies pay for the intervenor awards. (uphelp.org)
  • Rosenfield countered that Quackenbush favored insurance companies over consumers. (uphelp.org)
  • This may partly be the fault of insurance companies and pharmacy benefit managers who do not make it clear what is covered and not. (sinfras.com)
  • Insurance companies increasingly are charging customers very different rates depending on secret formulas based on data unrelated to their customers' actual claims histories or risk of damage. (checkbook.org)
  • Using these complicated formulas, insurance companies calculate insurance scores that are used to determine their rates, or even whether to cover prospective clients at all. (checkbook.org)
  • The insurance formulas are not the same as those used by lenders (banks, mortgage companies) to calculate credit scores, but they draw on the same types of data. (checkbook.org)
  • When insurance companies don't have to disclose the formulas they use to set their rates-even though these formulas have a huge impact on the rates they charge-they circumvent the laws put in place by states to oversee an industry with a long history of racial discrimination and other abuses. (checkbook.org)
  • By relying on credit reports and scores, the insurance companies are using data known to possess many errors. (checkbook.org)
  • Companies could consider implementing interventions that rely less on labeling and consumer preparation practices to ensure safety. (cdc.gov)
  • Companies could consider implementing additional interventions that rely less on labeling and consumer preparation practices and focus on controlling or reducing levels of Salmonella in these products, such as selling them fully cooked, or monitoring and testing Salmonella levels, to ensure safety. (cdc.gov)
  • Increasingly effective and targeted marketing and promotion of health technologies, including short courses sponsored by health care product companies to train physicians in using these products and direct-to-consumer advertising (where this is permitted) can weigh against HTA findings. (nih.gov)
  • The Stewarts are among more than 1 million homeowners in Florida who Insurance Commissioner Tom Gallagher says are at risk of being dropped by their insurance companies after Nov. 15 unless the Legislature can pass laws to help stabilize the market. (orlandosentinel.com)
  • Each health insurance plan has a monthly premium that you must pay to maintain your coverage. (nclnet.org)
  • If my insurance company denies coverage for a service, is there anything I can do? (nclnet.org)
  • Before sending an appeal, carefully review your health coverage and the correspondence from your insurance company. (nclnet.org)
  • The King v. Burwell ruling in favor of the Affordable Care Act (ACA) has allowed for approximately eight million consumers to keep their insurance coverage. (nclnet.org)
  • Consumers need to get smart about their insurance, said NAIC president Roger Sevigny, so they can "be confident about their insurance choices and learn to make cost-effective decisions without sacrificing important coverage needs. (netquote.com)
  • September is Life Insurance Awareness month, and now turns out to be a good time to get the coverage. (iii.org)
  • Market Share Reports, Consumer Complaint Study,Residential and Commercial Earthquake Insurance Coverage Study, Annual Report of the Commissioner, and More. (ca.gov)
  • One of the goals of national health care reform was to make health insurance more affordable and accessible to individuals and small businesses, and to make the coverage offered more easily understood and transparent for the consumer. (ctnewsjunkie.com)
  • The current economic turbulence and its accompanying impact on where people get their health insurance coverage, including a current and anticipated loss of employer coverage, is a factor as well. (paproviders.org)
  • These small employers would only be able to find insurance coverage in the small group market and the SHOP exchange. (cohealthinitiative.org)
  • Every state government except New Hampshire requires that drivers buy insurance, so governments have a special obligation to ensure fair and affordable coverage," said CFA's insurance expert and study co-author Doug Heller. (consumerfed.org)
  • Passed in 2008, a federal law called the Genetic Information Nondiscrimination Act (GINA) made it illegal for health insurance providers in the United States to use genetic information in decisions about a person's health insurance eligibility or coverage. (medlineplus.gov)
  • You should weigh the possible benefits and risks of direct-to-consumer genetic testing, including potential impacts on insurance eligibility and coverage, before you start the testing process. (medlineplus.gov)
  • Because insurance has become so expensive for those with low credit scores, many underinsure their cars and homes, or can't afford to buy coverage at all, leaving them at even greater financial risk. (checkbook.org)
  • A new report released by NCHS today features estimates of those using consumer-directed health care in 2007-estimates are provided for enrollment in high deductible health plans (HDHPs), plans with high deductibles coupled with health savings accounts also known as consumer-directed health plans (CDHPs), and the percentage of individuals with private coverage whose family has a flexible spending account (FSA) for medical expenses, by selected sociodemographic characteristics. (cdc.gov)
  • Condominium owners in Brevard and Volusia counties are also having a terrible time finding appropriate insurance coverage, said James Hart, president of Sentry Management Inc. in Longwood, who searches for insurance for the communities he manages. (orlandosentinel.com)
  • Hart said he advises owners to get individual unit insurance to help with coverage the association is unable to obtain. (orlandosentinel.com)
  • The problem is often phrased in terms of the ability of governments and others adequately to finance health care in the face of growing cost pressures, with population ageing, new technologies and consumer expectations around health care coverage and quality being the three most commonly cited challenges. (who.int)
  • Those who got price increases were able to find insurance elsewhere. (consumer.org.nz)
  • Consumers suffered huge increases in auto and property insurance rates over the last year and now we know one of the reasons why", said Mr. Cran, President of the Consumers' Association of Canada. (insurance-canada.ca)
  • The results from this study make it clear that consumers need the help of the financial services industry to better understand long-term care," said Jeff Levin, vice president and head of distribution of Care Solutions at OneAmerica. (insurancenewsnet.com)
  • California Organized Investment Network (COIN) Is a Collaborative Effort Between the California Department of Insurance, the Insurance Industry, Community Affordable Housing and Economic Development Organizations, and Community Advocates. (ca.gov)
  • The Individual Health Insurance Fairness Act was introduced to protect consumers and small businesses against unfair insurance industry practices. (netquote.com)
  • Please find below information and links to some of the key insurance industry bodies, including links and information regarding Consumer Disputes procedures. (insuranceadviser.net)
  • The body representing the interests of the Australian general insurance industry. (insuranceadviser.net)
  • Half of the board's members are public officials, and several others are representatives of the insurance industry. (ctnewsjunkie.com)
  • Whether you're a seasoned insurance agent or just breaking into the industry, understanding and. (trustedchoice.com)
  • However, the insurance industry continues to lag behind other industries. (ssrn.com)
  • The ability to personalise products and services to the customer's individual needs - rather than tailoring offerings at a product level - is a trend that is really starting to gain momentum in the insurance industry. (insurancetimes.co.uk)
  • Our team leads change to policy, laws and industry practice across a range of consumer issues, informed by our experience assisting and representing people in Victoria. (consumeraction.org.au)
  • Industry, Government and advocates have one of the best opportunities in years to make insurance fair, according to Consumer Action Law Centre. (consumeraction.org.au)
  • It's vital that Government and the insurance industry rebuild trust in insurance and these recommendations would go a long way to doing so. (consumeraction.org.au)
  • This is a very positive opportunity for the insurance industry to win our trust back. (consumeraction.org.au)
  • To that end, the committee is deeply concerned by the apparent lack of transparency in the general insurance industry with regard to product disclosure, and the detrimental effect this has on consumers' ability to effectively compare similar insurance policies. (consumeraction.org.au)
  • While consumers and businesses are paying record high prices for insurance the insurance industry is reporting its highest profits in history. (insurance-canada.ca)
  • Proposition 103 was one of five competing insurance-related measures in a nationally watched campaign involving the insurance industry, lawyers and others. (uphelp.org)
  • These findings highlight challenges consumers might face in preparing frozen stuffed chicken products safely and can guide strategies for regulatory authorities and industry to prevent outbreaks and illnesses associated with them. (cdc.gov)
  • AHRQ and NCI are especially interested in projects that focus on vulnerable populations as defined by the President's Advisory Commission on Consumer Protection and Quality in the Health Care Industry (Quality Commission). (nih.gov)
  • Dr. Leffall explained that this meeting would include testimony from cancer survivors, health care providers, and insurance industry representatives on the challenges faced by older adult cancer survivors and their families and caregivers, with the goal of generating ideas and recommendations for follow-up by the Panel and other stakeholders involved in reducing the burden of cancer. (nih.gov)
  • Using the provisions of Prop 103, Consumer Watchdog has lowered rates and saved Californians over $150 billion since 1988. (consumerwatchdog.org)
  • Los Angeles, CA - Insurance Commissioner Ricardo Lara should reject GEICO's proposed $268 million auto insurance rate hike and its job- and education-based discriminatory rating system, wrote Consumer Watchdog in a petition filed with the California Department of. (consumerwatchdog.org)
  • Consumer Watchdog collects millions, but does it lower your insurance rates? (uphelp.org)
  • The so-called intervenor process has become a significant source of revenue for the nonprofit founded by Rosenfield and its successor, Consumer Watchdog - and a major thorn in the insurance industry's side. (uphelp.org)
  • More than three-quarters of the $17.6 million in intervenor fees awarded since 2003 have gone to Consumer Watchdog or its predecessor, state records show. (uphelp.org)
  • The ballot argument by Rosenfield and national consumer activist Ralph Nader said the measure would "create a permanent, independent consumer watchdog system" to "champion the interests of insurance consumers. (uphelp.org)
  • In an accounting of cases since 2003 in which they were involved, Consumer Watchdog says consumers saw almost $3.3 billion in combined savings - $1.7 billion of it involving auto insurance rates and $1.52 billion on homeowner policies. (uphelp.org)
  • That definitely would not be as high unless Consumer Watchdog was involved," said Carmen Balber, the executive director of Consumer Watchdog, which is based in Santa Monica. (uphelp.org)
  • Researching the limits and provisions of a policy can help consumers make responsible, informed health decisions. (netquote.com)
  • The Consumer Insurance (Disclosure and Representations) Act 2012 makes provisions as follows: Section 1 creates the concept of "consumer" and "non-consumer" insurance contracts. (wikipedia.org)
  • In the past, members of the Senate have been all too willing to strip from bills those provisions insurance lobbyists said they couldn't accept, he said. (orlandosentinel.com)
  • Yet, there is still room for improvement, such as not making health insurances unnecessarily complicated, and making reimbursement rates for non-contracted care clearer and simpler. (acm.nl)
  • Consumer insurance council - recreation - membership - meetings - expense reimbursement - sunset review. (colorado.gov)
  • Preliminary analyses by ACM and the NZa have revealed that three quarters of insured in 2016 had a basic health insurance package for which there was a cheaper, comparable alternative. (acm.nl)
  • The initiative, dubbed by supporters as the "Voter Revolt to Cut Insurance Rates," also contained a provision that got little attention during one of the most expensive campaigns in state history: outsiders could challenge proposed insurance rates and get reimbursed for their costs. (uphelp.org)
  • If you do not receive satisfactory answers, contact the Office of the Commissioner of Insurance (OCI). (wi.gov)
  • Concerning the recreation of the consumer insurance council as an advisory body to the commissioner of insurance. (colorado.gov)
  • OneAmerica collaborated with Hanover Research to survey more than 1,000 consumers about their perceptions and behaviors related to long-term care (LTC) planning. (insurancenewsnet.com)
  • LIMRA found that 44 percent of Millennials thought the cost of term life insurance was more than $1,000 a year, when it's closer to $160 for a healthy 30-year-old to own a $250,000 level term life insurance policy. (iii.org)
  • If you have a specific complaint about your insurance, refer it first to the insurance company or agent involved. (wi.gov)
  • You may use this page to submit a complaint to the Louisiana Department of Insurance. (la.gov)
  • Kevin Lewis and Robert Hillman took a huge leap of faith when they created their nonprofit health insurance cooperative Maine Community Health Options in 2011. (mainebiz.biz)
  • For Lewis, the CEO of Community Health Options, and Hillman, its chief operating officer, these early successes affirm the shared vision that a nonprofit health insurance company - run by its customers and which uses its profits to lower future premium prices, enrich benefits and improve the health of its members by removing the financial barriers - could offer more choice for consumers and greater competition in the marketplace. (mainebiz.biz)
  • Authorization for the BRCA test comes about a year after the FDA authorized the first-ever direct-to-consumer genetic test kits -- the 23andMe Personal Genome Service Genetic Health Risk tests for 10 different conditions. (cancer.org)
  • During an early skirmish over the fees in 1995, former Insurance Commissioner Chuck Quackenbush alleged that some consumer advocates had "gotten fat off the public trough. (uphelp.org)
  • Mark McElroy, executive vice president and head of insurance at TransUnion, discusses a new survey on life insurance that illustrates the low rate of penetration and what agents and brokers can do to turn the tide through more digital offerings. (ambest.com)
  • Life insurance is now attracting younger customers. (iii.org)
  • LIMRA's survey shows that 45 percent of millennials said they are more likely to buy life insurance because of COVID-19 . (iii.org)
  • People who get life insurance don't tend to regret it. (iii.org)
  • And while many people believe life insurance is too expensive, most overestimate the cost. (iii.org)
  • But when it comes to buying life insurance, you should. (checkbook.org)
  • If your death would create a major financial difficulty for your family due to lost wages, debts, or increased childcare expenses, you should also purchase life insurance. (checkbook.org)
  • The study attempted to analyze social media advertising in the Life insurance market and tried to inquire why the insurance business lags in exploiting social media advertising and what steps may be made to boost their visibility. (ssrn.com)
  • GINA does not apply to other forms of insurance, such as disability insurance, long-term care insurance, or life insurance. (medlineplus.gov)
  • Matic delivers an exceptional consumer experience and gives mortgage lenders a real edge when it comes to lending efficiency and borrower conversion," said Valentin Saportas, CEO of MortgageHippo. (send2press.com)
  • Matic is a technology-driven insurance agency focused on helping lenders and loan officers better integrate homeowner's insurance into the lending process. (send2press.com)
  • Based in Sherman Oaks, California, Matic is a technology-driven insurance agency focused on helping lenders and loan officers better integrate homeowner's insurance into the lending process. (send2press.com)
  • The new legislation is a response to a consensus that the Marine Insurance Act 1906 is old-fashioned, it no longer represents current practice, and it undermines the continuing dominant position of English Insurance in the global market. (wikipedia.org)
  • Because of risk-based pricing and the increasing risks due to climate change, the government is investigating whether it should intervene in the insurance market. (consumer.org.nz)
  • HB13-1290 will ensure a more sustainable small group health insurance marketplace in Colorado by protecting the integrity and sustainability of the small group market. (cohealthinitiative.org)
  • Colorado's Insurance Commissioner is given the rule making authority to raise the attachment point based on the consumer price index and to collect more information about Colorado's stop-loss market. (cohealthinitiative.org)
  • The data also show that California, which has the strongest rules in the country, has maintained the slowest pace of growth of any state while also fostering the second most competitive auto insurance market in the nation. (consumerfed.org)
  • The California auto insurance market has become the 2nd most competitive market in the nation. (consumerfed.org)
  • To that end, accessibility, transparency, affordability and competition are crucially important features of a well-functioning general insurance market. (consumeraction.org.au)
  • The importance of improving consumers' understanding of the fundamentals of health insurance is paramount in light of all the legislative and executive branch talk about transparency of hospital and drug prices. (sinfras.com)
  • What good is transparency if consumers don't have a fundamental understanding of basic health insurance terms? (sinfras.com)
  • Just like when they collected prices for auto and home insurance, our undercover shoppers found huge company-to-company differences for identical term life policies sold by major providers. (checkbook.org)
  • Permanent life plans that contain cash value options are structured more like investments than insurance policies, but they offer negative rates of return if cashed in early. (checkbook.org)
  • We've tested 7 house and contents insurance policies. (consumer.org.nz)
  • Section 13, Part A.2 is used in first interviews to determine which types of non-health insurance policies are owned by the consumer unit. (bls.gov)
  • Now I am going to ask about your non-health insurance policies. (bls.gov)
  • Consumers are able to save substantially on the basic policies of their health insurances. (acm.nl)
  • Matic delivers the most trusted, affordable insurance policies available thanks to its partnerships with a diverse network of insurance carriers. (send2press.com)
  • HB13-1290 raises Colorado's individual attachment point for stop-loss insurance policies to $30,000. (cohealthinitiative.org)
  • However, many consumers are still puzzled about how to select a plan, what services are covered, or why they need health insurance altogether. (nclnet.org)
  • With health insurance, you also have access to preventive services such as physicals, immunizations, and other screenings that can help prevent diseases and identify problems earlier when they are easier to treat. (nclnet.org)
  • A deductible is the amount you are responsible for paying for covered medical services before your health insurance plan starts to pay for covered medical expenses. (nclnet.org)
  • The mission of the Michigan Department of Insurance and Financial Services is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents, while fostering economic growth and sustainability in both industries. (michigan.gov)
  • In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents. (michigan.gov)
  • Consumers have misconceptions of long-term care that financial services professionals are uniquely positioned to address to help them be protected and prepared. (insurancenewsnet.com)
  • The Australian Financial Complaints Authority (AFCA), a free customer service designed to handle complaints and help resolve problems between insurance brokers and other financial services providers and their clients. (insuranceadviser.net)
  • The enforcer and regulator of company and financial services laws to protect consumers, investors and creditors. (insuranceadviser.net)
  • Matic Insurance Services (Matic) was founded in 2014 by Aaron Schiff and Benjamin Madick. (send2press.com)
  • For insurance professionals, it's the bridge that connects you with prospects actively searching for your services. (trustedchoice.com)
  • For the Central Bank of Ireland the whole area of the development of competencies and education standards among the providers of financial services is very important in helping us achieve our overall objectives of Safeguarding Stability and Protecting Consumers and achieving the right outcomes for consumers. (centralbank.ie)
  • As you are aware, since Jan 1 2007, the Minimum Competency Code is a critical part of that framework as it underpins how financial products and services are delivered to consumers. (centralbank.ie)
  • For the first time, the Affordable Care Act has put federal rules in place guaranteeing that consumers in marketplace plans have a right to provider networks that are sufficient in the "number and types of providers, including providers that specialize in mental health and substance abuse services, to assure all services will be accessible without unreasonable delay. (familiesusa.org)
  • About 87% of people who enroll in an ACA plan receive a premium tax credit, according to the Centers for Medicare and Medicaid Services, but only about 16% of people who lack health insurance are aware they can get government subsidies. (sinfras.com)
  • Consumer-directed health care enables individuals to have more control over when and how they access care, what types of care they use, and how much they spend on health care services. (cdc.gov)
  • Services (CMS) and private health insurance claims as a research resource for NIA-funded studies. (nih.gov)
  • Consumers have to process vast amounts of information, and make choices. (acm.nl)
  • As the owner and operator of a small business for more than 30 years, I am counting on the Exchange's ability to bargain and to foster competition to make more affordable, quality insurance available to my employees. (ctnewsjunkie.com)
  • There are no independent consumers on this board that is using federal tax dollars to make decisions that will have a grave impact. (ctnewsjunkie.com)
  • We use our skills in the law, financial counselling, policy and campaigning to make consumer markets fair. (consumeraction.org.au)
  • Some states have laws and regulations in place that outline requirements for health plans to ensure that they make accurate provider directories available to consumers and that their provider networks are adequate to meet consumers' needs. (familiesusa.org)
  • In states that don't already have laws and regulations in place, policymakers and regulators should consider enacting standards to make the new provider network rights of the Affordable Care Act a reality for consumers. (familiesusa.org)
  • Without reliable, usable information regarding the issues most relevant to them, consumers and patients cannot make meaningful choices. (nih.gov)
  • Health insurance plans use a process called pre-authorization to make sure that a procedure or medicine is medically necessary. (cancer.org)
  • And if you need to get emergency care in an out-of-network hospital, your insurance plan can't make you pay more than you would in a network hospital. (cancer.org)
  • These differences make consumers less sensitive to price signals. (who.int)
  • When looking at a plan's network, the question that policymakers, regulators, and the public should be asking is: In this network, can consumers get the right care, in a timely manner, without having to travel unreasonably far? (familiesusa.org)
  • The intervenors, she said, benefit the rate-review process and help "grossly outgunned" state insurance regulators. (uphelp.org)
  • And with nearly 50,000 content pages now online, it's not hard for an insurance shopper to find themselves on one of our pages, being educated about the value of working with a local Trusted Choice independent insurance agent. (trustedchoice.com)
  • When we saw these keywords, we quickly jumped in and created content that would attract those insurance buyers. (trustedchoice.com)
  • For many years prior to the Affordable Care Act, we've encountered stories from consumers who have trouble finding health care providers who are in their insurance company's network or who can't get accurate information about which providers are in their network. (familiesusa.org)
  • While the Affordable Care Act has not yet solved the problems of providing adequate networks to all consumers and ensuring that information about plans' provider networks is always accurate, it put measures in place to improve network adequacy and provider directory quality. (familiesusa.org)
  • The Affordable Care Act has also established the first-ever federal consumer rights to accurate provider directories in private insurance plans. (familiesusa.org)
  • Almost 90% of people without health insurance couldn't identify the open enrollment period to sign up for an Affordable Care Act (ACA) plan. (sinfras.com)
  • This live online town hall meeting is part of a series of events that will help consumers learn and ask questions about signing up for a health plan on the Health Insurance Marketplace. (michigan.gov)
  • Can the results of direct-to-consumer genetic testing affect my ability to get insurance? (medlineplus.gov)
  • Where can I read more about the diseases and traits covered in my direct-to-consumer genetic testing report? (medlineplus.gov)
  • This test provides information to certain individuals who may be at increased breast, ovarian, or prostate cancer risk and who might not otherwise get genetic screening and is a step forward in the ability of direct-to-consumer genetic tests. (cancer.org)
  • If your insurance company does not authorize payment for a medical service, you have the right to appeal that decision . (nclnet.org)
  • This new law will … [allow] health insurance customers an opportunity to have an independent review when they are denied a claim by their insurance company," said Illinois PIRG director Brian Imus. (netquote.com)
  • Four years later, their consumer-operated and oriented health insurance company, or CO-OP, has far surpassed even their own expectations. (mainebiz.biz)
  • After blowing past its 15,500 first-year enrollment goal in 2014 by signing up more than 40,000 members in Maine- including 83% of those signing up for insurance using the federal health insurance exchange - the company expanded this year into New Hampshire (dropping "Maine" from its corporate name for obvious reasons). (mainebiz.biz)
  • Hillman says the opportunity provided by the ACA to create a consumer-operated and -oriented health insurance company was serendipitous for him. (mainebiz.biz)
  • They will probably tell you to talk to your insurance company or the facility billing department. (cancer.org)
  • The LTC survey identified consumers' comprehension and perspectives of cost, preparation and confidence to implement an LTC plan, as well as their preference of asset-based long-term care protection, and who influences their decisions on LTC. (insurancenewsnet.com)
  • A vast majority of consumers haven't researched LTC protection options, despite the high probability they will need it. (insurancenewsnet.com)
  • Most consumers consider the cost of LTC to be a barrier, but they may not properly assess how not having LTC protection could impact their long-term financial strategy. (insurancenewsnet.com)
  • Consumers who are familiar with asset-based LTC protection recognize its advantages," said Levin. (insurancenewsnet.com)
  • N2 - National report about the Czech Insurance Law in the context of the Consumer protection. (muni.cz)
  • It is important that the consumer protection framework in Ireland is fit for purpose and achieving its objectives. (centralbank.ie)
  • In February of this year, the Central Bank published its first Consumer Protection Outlook Report (and if you have not read it I would encourage you to have a look at it). (centralbank.ie)
  • In the Outlook Report, we set out our key consumer protection objectives of working to ensure that firms are acting in the best interests of their customers and are treating them fairly and with dignity and respect. (centralbank.ie)
  • 3.73 Transparent disclosure that encourages understanding and promotes informed decision-making lies at the heart of robust consumer protection. (consumeraction.org.au)
  • Consumer groups, meanwhile, began to weigh in on proposed insurance rates, rulemaking and other matters and were reimbursed for attorneys fees and other costs. (uphelp.org)
  • Recent news reports on provider network issues have also been failing to consider that the real question about how a consumer will fare in a network should not be about the size of a health plan's network. (familiesusa.org)
  • A plan's network does not necessarily need to include all of the health care providers or hospitals in the area to provide meaningful access to consumers. (familiesusa.org)
  • If your health care provider thinks that the insurance plan's preferred medicine wouldn't work or wouldn't be safe for you, you can appeal the decision. (cancer.org)
  • A survey through a structured questionnaire was used to investigate consumer behavior, views of social media advertising. (ssrn.com)
  • Convenience & Security at your Fingertips: Apply for an Insurance License, Schedule Examination, License Renewal, Change Your Address, and more. (ca.gov)
  • For additional assistance, call CFO Patronis' Insurance Consumer Helpline at 1-877-MY-FL-CFO (693-5236). (pcbeach.org)
  • To answer questions like these, the National Consumers League (NCL) and America's Health Insurance Plans (AHIP) are teaming up to provide consumers with even more helpful information about how to choose and use health insurance benefits. (nclnet.org)
  • It also creates new incentives to understand and anticipate factors that affect individual and family decisions to seek care and to select health insurance plans, facilities, and clinicians. (nih.gov)
  • Sometimes insurance plans will want you to try a different medicine before they will approve the one your doctor prescribes. (cancer.org)
  • Many insurance plans provide resources to help you figure out what's an emergency that needs to be treated in an emergency department. (cancer.org)
  • Although the final rates are not yet approved and open enrollment is still a few months away, I urge consumers to begin thinking about their health care and insurance needs and encourage consumers to shop around when the state-based exchange platform is public," said Altman. (paproviders.org)
  • This is one of the reasons why consumers have had to pay outrageous rates for products like auto insurance," said Mr. Cran. (insurance-canada.ca)
  • 3]. In a previous study, the authors examined the applicability of such general formulas to text in the consumer health domain. (nih.gov)
  • The results suggested that, while existing measures provide a reasonable "first approximation," other textual features such as word repetition may improve performance of readability formulas with consumer health text [4]. (nih.gov)
  • The Consumer Insurance (Disclosure and Representations) Act 2012 (c.6) is a UK Act of Parliament that makes important reforms to insurance law. (wikipedia.org)
  • and both of these modern Acts have significantly amended the Marine Insurance Act 1906, particularly in the area of misrepresentation and disclosure. (wikipedia.org)
  • The key aspect of connected cars in relation to UBI is enabling policyholders to determine at the quote stage if a telematics policy will benefit them before they buy one, but this works only if consumers are willing to share recent driving data to receive a personalized quote. (canadianunderwriter.ca)
  • The advocacy group supported the health insurance law. (netquote.com)
  • Being able to secure those consumers' advocacy requires a user experience that is head and shoulders above the standards we saw even just a couple of years ago. (insurancetimes.co.uk)
  • 5.13 General insurance plays an important role in maintaining the financial stability of consumers, and indeed, of the Australian economy. (consumeraction.org.au)
  • Although willingness to share driving data is a prerequisite, consumers also have to agree to the principle that their auto insurance cost is determined by how they drive, WTW noted. (canadianunderwriter.ca)
  • Since 1989, consumer spending on auto insurance rose by 61.1% nationally, but it grew by only 12.5 % in California, which was the lowest in the nation. (consumerfed.org)
  • California is the only state that allows outside groups to participate in the home and auto insurance filing process. (uphelp.org)
  • The survey results from OneAmerica signify that LTC is not top of mind for most consumers. (insurancenewsnet.com)
  • However, the recent survey from OneAmerica shows that few consumers have an LTC plan in place, and only 16% have implemented a plan for LTC. (insurancenewsnet.com)
  • Learn more about how consumers view long-term care and download the full consumer research survey. (insurancenewsnet.com)
  • More than half (55%) of drivers in the United States who participated in a usage-based insurance (UBI) survey from Willis Towers Watson ( WTW ) have reported that they are "likely to buy a new or pre-owned vehicle equipped with new technology features. (canadianunderwriter.ca)
  • The online survey of 1,005 consumers found that a large majority (81%) of the roughly 10% of drivers who have or have had a UBI policy to date are "very positive" about its benefits, WTW said in a press release. (canadianunderwriter.ca)
  • Findings from a recently released survey by Policygenius show how challenging health insurance is for many American consumers to understand. (sinfras.com)
  • The Policygenius survey results are consistent with a 2017 survey conducted by UnitedHealthcare, which showed that only 9% of Americans demonstrated an understanding of all four of these basic health insurance terms: Health plan premium, health plan deductible, out-of-pocket cap or maximum, and co-insurance. (sinfras.com)
  • In the 2017 survey, while approximately two-thirds of Americans understood either the term "health plan premium" or "health plan deductible," less than half knew the definitions of "out-of-pocket maximum" and "co-insurance. (sinfras.com)
  • However, experience combined with a professional qualification, is a perfect combination in helping achieve the right outcomes for consumers. (centralbank.ie)
  • The preliminary results suggest that developing consumer health-specific readability tools may require both modifying existing general measures, such as including health-related vocabulary, as well as adding new predictive features, such as ability to detect the "take-home" message. (nih.gov)