• Protecting your finances. Health problem can cost huge money and we know that medical treatments are mostly expensive, especially certain prescription drugs. 
• Believe it or not, medical insurance can give you a peace of mind. How? Since medical treatments are expensive having medical insurance can relieve your burden in case you need treatment. Health coverage will paid the expenses according your insurance policy.
• Regular check-ups possibility. Some insurance company provide regular check-up in their coverage, it is include special services or hospitalization. With covered regular check-up, your health will be improved as well. 

• Verify the existence of insurance policy for individual and/or property.
• Investigates risk of loss, property damage, property loss (due to natural disaster) or body injury.
• Evaluate the covered damages according to coverage grants after completing the above investigations.
• Negotiate the settlement according to the law and identify the insured's coverage.

1. Impatient hospital services
2. Outpatient hospital services 
3. Nursing facility services
4. Physician services
5. Rural health services
6. EPSDT (Early and Periodic Screening, Diagnostic, and Treatment Services
7. Home health services
8. Federally qualified health center services
9. Nurser midwife services
10. Laboratory and X-ray services
11. Family planning services
12. Certified Pediatric and Family Nurse Practitioner services
13. Tobacco cessation counseling for pregnant women
14. Freestanding Birth Center services (licensed or recognized by the state)
15. Transportation to medical care

1. Deductible is the amount insured have to pay out-of-pocket before the insurer pays the rest expenses.
2. Premium is the amount policyholder have to pay according to their coverage plan.
3. Coinsurance is a percentage of the total expenses that insured must pay. 
4. Co-payment is the amount insured must pay out-of-pocket before the insurer pays for a certain visit or service. 
5. Exclusions means not all services are covered.
6. Capitation is an amount insurer pay to insurance company which agrees to treat all members of the insurer.
7. Out-of-pocket maxima. In this case, payment obligation of the insurer ends when they reach the maximum of out-of-pocket, so the insurer will pay all further covered costs. However, out-of-pocket maxima can be limited to spesific category like prescription drugs.
8. Coverage limits means some health insurance policies only pay for health care up to certain amount. 

1. Reduce your mileage. It's odd but sadly true. The more miles you drive, the higher chance of you having an accident. The less you drive, the lower premium you will get. 
2. Compare Insurers. There's no harm comparing premium that insurers offer before making deal.
3. Boost security features. Adding security device such as alarm or immobilizer means you have lowered the potential risk of your vehicle being stolen. Make sure you park your car in garage or driveway.

You may think you won't need performance car insurance as long as you drive carefully or park safely. However, no one can guarantee another driver do the same as you. Preparing won't hurt you.