Health Insurance

The 65th largest city in America, Newark in New Jersey is a business hub only second to city’s like New York. Situated along the banks of the Passaic River, Newark experienced tremendous growth during the 19th and 20th century as industrial development swept through the state and business flourished. Today, Newark plays host to a number of large firms including large insurance firms and software agencies.

The Public Service Enterprise Group (PSEG) is one particularly large firm that calls Newark it’s base. A publicly owned gas and electricity company, PSEG is New Jersey’s oldest and biggest publicly owned utility firm. Boasting 2.1 million electric customers and 1.7 million gas customers, PSEG services 300 communities across the state. PSEG contributes to Newark’s growing service industry which currently accounts for 24,000 jobs in the local area.

With the rise and rise of the telecomms industry, Newark has also begun to play host to a number of agencies specialising in communication. International Discount Telecommunications is one company headquarted in Newark. Providing low cost call rates to hundreds of countries across the globe, IDT is also the largest distributor of prepaid phone cards in the United States.

Health and life insurance firms have also played a key role in the growth of Newark’s business sector which is neatly paired with the eight major banks that are resident in the city as well. Deposits to Newark-based banks account for over $20 billion each year. With regard to the insurance side of business, Prudential is perhaps Newark’s most famous financial resident. One of the world’s largest insurance firms alongside the like of Aviva Healthcare and Patient Choice, Prudential currently holds £2 trillion worth of life insurance.

Thinking of taking a trip to Newark? If you’re a business brain or high flying CEO why not take a tour around the business district next time you’re there.

By: Amber Laurie

The efforts at health care reform now working its way through the hallowed halls of our government is something that should deeply anger all Americans, left and right, Democrat or Republican or Independent. Nothing that comes from these current efforts will ever solve the agony and suffering of tens of millions of Americans who are currently caught in the health care dilemma.

The bottom line is that our government – and our representatives in it – is bought and paid for by monied interests, most notably the large insurance companies that siphon off hundreds of billions of dollars each year in profits that should be going, not into their coffers and salaries, but into care for the sick and ill in our society.

No other modern, industrialized country in the world approaches health care in this insane manner. These other societies spend far less than we on health care, and yet the statistics continually show that they beat us all the time in longevity, percentages of children dying in birth, and most importantly the fact that they provide basic coverage for all of their citizens. Meanwhile we have tens of millions without any coverage, and tens of millions more with shoddy policies and undercoverage that leads, for many, to bankruptcy.

Meanwhile, our representatives dawdle.

It is part of the larger picture. The resources and blood and sweat and welfare of the American people, more and more, is taking a back seat to monied interests. We spend hundreds of billions, even trillions, on war and the production of machines and aircraft and ships and guns that stokes the bottom lines of bloated war production companies whose products get ground up in battle or rust away into obsolescence and never produce anything of real value for the lives of Americans; and then we produce another war, or extend the ones we are in, and the old machines are replaced by new ones that feed once again the bottom lines of mega-war companies.

Thirty-five percent of the monies that flow into insurance companies – totaling hundreds of billions of dollars each year – are chewed up in advertising, paperwork, executive salaries, etc. – and this money alone is enough to provide basic coverage for all of the American people. Yet we cannot break this vicious cycle of inept, bought-off, uncaring representation we have in the hallowed halls of Congress.

The big insurance companies are not in the least essential to good health care coverage. They are profit-driven, not people driven. Our whole system is profit-driven, not people driven.

Even tiny Taiwan, when deciding how to revamp their health care, appointed experts who sat down and objectively tried to examine the best points of health care in countries around the world, so that that they could create a health care system that they could afford and one which took the very best care of all of their people. They succeeded. Take a look at the PBS program, “Sick Around the World”, and see what other countries have done.

Here in America, we refuse to believe that any system in the world can teach us anything, that we are the best, and that we have nothing to learn from anyone. As a result, we will get the health care system we deserve. We will stick to our old ways, and the people will lose out.

The current reform efforts will keep the big insurance companies and they will thrive because people will now be mandated to have coverage and the insurance companies will now have tens of millions more customers. And do you really think the insurance companies and the people who run them will be nice guys and not try to make even more money, more profit?

It’s time to wake up.

By: Jim Hilgendorf

When it comes to California senior health care insurance, a qualified, independent agent or broker is more often better able to assist individuals with great prices than their captive counterparts. Research will tell you that California rates are extremely fluid, or fluctuating rates. They often change monthly and the company providing coverage is changed often to accommodate their budgetary needs. An independent agent is able to shop for seniors to find the best rates whereas a captive agent can only show what his company is offering, and you therefore lose the benefit of competition on behalf of the senior.

One such company that promises “Simple and affordable senior health care,” is PR Leap – Accelerating search visibility. They’re known as “The Health Insurance Store.” They promise to allow consumers to immediately compare prices and coverage of over 100 health care options. They’re one of a large number of California companies to work in partnership with Norvax, the designer of the massive search engine for insurance programs. In sixty seconds or less the agent is able to electronically sift through huge amounts of the California senior health care insurance plans and come up with those that will work best for an individual client, based on the information given it. Seniors can then make a visual comparison side by side of the small group the search engine selected for their circumstances.

California claims to lead the nation when it comes to senior citizen issues. However, the sheer number and types of programs one must peruse when making choices, along with the equally liberal numbers of gap insurance plans, make it important to have an effective search engine. They are invaluable for cutting through the confusion, directly to what really counts: seniors finding the best and most affordable health care insurance available. There are many groups of independent agents as well as individual independent agents that can be found very easily with any online search engine. According to Market Watch, the percentage of seniors going online has grown by more than 50% in just the past three years. In fact, a study from Burst Media declares “wired” seniors now spend more hours online than all other adult age groups and the content they research the most is health insurance and Medicare. That would imply that seniors are more than capable of finding California senior health care insurance programs online and “Norvax” and “The Health Insurance Store” are changing the way they do business to accommodate them. California senior health care insurance is not be the only type of insurance you can find through the “Norvax” search engine or “The Health Insurance Store.” Plans available in all 50 states are at your fingertips on the internet.

http://www.thehealthinsurancestore.com/

By: Sharon Elrod