Missouri Health Insurance and Medical Coverage

Consumers who need health insurance quotes and coverage in Missouri have numerous options available to them. There are several well known carriers offering affordable coverage in MO including Aetna, Anthem, American Community, Assurant and United Health Care. Individual and family units can choose from high deductible, catastrophic plans as well as low deductible, comprehensive plans.

Self-employed individuals, small business owners, those losing COBRA, and the unemployed usually seek health insurance in the individual market. Consumers can purchase short term insurance that provide coverage for up to six months - ideal for those who are certain they will soon be eligible for benefits with an employer. And consumers can enroll in permanent plans that cover maternity, prescriptions and hospitalization if group coverage is not available to them.

Benefits, Coinsurance, and Deductible Options

Most carriers offer plans with a wide range of benefits, deductibles, coinsurance, and co-pay options. Typically, consumers can select from deductible amounts ranging from $500 to $10,000. Insurance carriers also offer several coinsurance options including, but not limited to 20%, 50%, 75%, and 100%. (In most plans, the consumer is responsible for the coinsurance percentage up to $10,000.) Lifetime maximum benefits will range from 3 million to 8 million per individual with most policies.

Additionally, all plans in Missouri will have a large network of doctors and hospitals for the insured to choose from. Before purchasing a policy however, it is important to confirm the availability of health care provider in the insured's area. Additionally, some carriers offer plans with no networks at all. These plans are more expensive, but the insured can choose from any doctor or hospital they wish.

Health Saving Accounts

Recently, legislation was passed approving tax-favored savings accounts that can be coupled with a high deductible health insurance policy. Health Savings Accounts (or HSA's as they are also known) are now a viable alternative to traditional insurance plans. They allow consumers to self-insure for small claims through a tax deferred savings account, but also offer peace of mind that the insurance policy will pay benefits once the deductible has been met.

They are gaining in popularity due to their tax advantages and flexibility. Money deposited in an HSA grows tax-deferred and can be withdrawn tax-free for qualified medical expenses. Common expenses could include meeting a deductible or coinsurance amount as well as paying for prescriptions, vision, and/or dental care. Unused funds remain in the account year after year for future medical expenses. The funds always belong to the insured even if the insurance needs to be cancelled.

In summary, those in need of Missouri health insurance quotes will have several options from well rated carries. Plans can be tailored to fit most budgets and nearly all plans are portable should the insured need to move out of state. The agents of Hyers and Associates look forward to helping clients in MO who would like to compare policies today.

A.M. Hyers has been working in the insurance and investment industry for over ten years. He owns and operates Hyers and Associates, Inc. an independent insurance agency doing business in Georgia, Illinois, Indiana, Missouri, and Ohio.

His agency offers insurance products in the individual, family, and small business group marketplace. They use the leading national insurance carriers to quote health insurance, health savings accounts, dental, and vision plans.

Other lines of insurance offered include life insurance, disability insurance, and long term care insurance. They use several carriers to quote Medicare supplement plans and Medicare Part D coverage for seniors. Additionally, the independent agents of Hyers and Associates Inc. offer fixed, indexed, and immediate annuity policies for individual and group retirement plans.

Insurance quotes in Georgia, Illinois, Indiana, Missouri, and Ohio

Skin care tips

World of Warcraft Classes

In World of Warcraft (WoW), there are a total of 9 playable classes. You can not freely choose race and class, as it is somewhat limited. Not all races can be combined with all classes. To choose your class will be your most important choice in the game. This is because you define your play style within WoW with your class, whether it is healing and support, dealing much damage, or be the one who takes the damage and controls the monsters. Do not fear; there are a few roads you can walk within each class as well which you can change whenever you want. These roads are called talents. With talents, you specialize in a part of your class. For every level you achieve, you gain one talent point which you can spend on whatever talent tree you want. Every class has three talent trees. In other words, you can walk three different roads with your character per class.

Warrior

A warrior is strongly specialized in fighting with powerful two-handed weapons to deal damage or with a one-handed weapon and a shield to take all the pounding from a monster (called tanking). Very wanted for Arena teams as damage dealer and very wanted for instances and raid dungeons as tank. Warriors have the following talent trees: Arms (Damage), Fury (Damage) and Protection (Tank).

Druid

A druid is a hybrid class. The druid is at one with nature, and is able to transform into different animals which have various unique abilities. Hybrid means that the class can perform several tasks, and the forms have a boost each to help them with a specific task. For instance, Bear Form makes them tougher and more resilient allowing them to tank with ease. Druids have the following talent trees: Balance (Spell damage), Feral Combat (Melee damage and tanking) and Restoration (Healing and support).

Priest

Priests are magical users able to perform holy and shadowy magic. Their shadow spells are mostly used to cause damage on foes; however there are certain support abilities which are shadow magic. The priest is the main healing class with its manifold of holy support and healing spells. Priests have the following talent trees: Discipline (Survivability), Holy (Healing) and Shadow (Damage).

Paladin

Paladins are guardians of the holy light. They bolster their allies and themselves with holy auras and blessings to protect and empower them. Paladins are a defensive class designed to outlast their enemies. It is also a hybrid class, capable of healing, dealing decent damage and tanking. Paladins have the following talent trees: Retribution (Damage), Holy (Healing) and Protection (Survivability and Tanking).

Mage

A mage is a magical user with frost, fire and arcane spells. They deal massive damage from afar, casting elemental bolts at a single target, or raining destruction down upon their foes in a wide area. Mages are also masters of slowing and temporarily immobilizing the enemy, enabling mages to get away easily. Mages have the following talent trees: Arcane (Burst damage), Fire (High damage) and Frost (Survivability).

Warlock

Warlocks are masters of demonic power, shadow and flame, plaguing their enemies with curses and diseases. They are also able to summon several demonic pets, each with its speciality. While warlocks deal ranged damage, their pets may attack at melee range and support the warlock and the warlocks allies. They can also summon other people from anywhere in the world. Warlocks have the following talent trees: Affliction (Curses and debuffs), Demonology (Pet) and Destruction (Direct damage).

Rogue

Rogues are masters of stealth and assassination, and theyre able to pass by most enemies unseen and attack them from behind. Rogues can also create poisons which they one on their blade to add extra damage or negative effects on the victim. Rogues usually have two quick one-handed weapons dual-wielded, making them valuable for interrupting casters of magic. They are also able to open locked doors and chests. Rogues have the following talent trees: Assassination, Combat and Subtlety.

Shaman

A shaman is the spiritual leader of their tribe. They are a magic-based semi-hybrid class. They are masters of the Elements, enabling them to place elemental empowered totems which benefit the Shamans allies or have a negative effect on enemies. They are good healers and damage dealers. Shamans have the following talent trees: Elemental (Spell damage), Enhancement (Melee damage) and Restoration (Healing).

Hunter

Hunters are deadly snipers, capable of bringing their enemies down from a long distance with bows or guns. They can track enemies and place traps to damage or entrap their opponent. Hunters also have the ability to tame beasts in the world as pets and train them to become loyal guardians. Hunters have the following talent tress: Beast Mastery (Pet), Marksmanship (High Damage) and Survival (Damage and survivability).

Peng Joon is an avid gamer and writes about WoW gold tips, strategy and guides on http://www.thewarcraftguide.com

Free Online Games at GamingBooth

Gaming Booth is a great free online games arcade that offers over 5,000 games. My favorite game is Onslaught 2. Check out the site and see which game is your favorite.

Are Some Business Blogging Networks Fraudulent - Over Hyping and Promising?

Not too long ago a gentleman emailed me and asked me to join a "brand new" business blogging and article website, not yet launched. He emailed me 2-weeks prior to the launch date, promising to highlight one article per week in one of three categories to help get business contacts. Of course, he wanted me to write articles for free to help increase his content, search engine ranking and readership.

In trade, I would have lots of business, unfortunately, the site is brand new. And, as you might have heard most business blogging networks fail or are later sold and the new owner changes all the rules and they own your content, convenient indeed. How does this help those who build the site? It doesn't.

Do people really make lots of money and contacts by joining business blogging networks, the answer is NO, no they don't. So then, why are they allowed to over promise, over hype and under deliver? Because the FTC or Federal Trade Commission won't deal with it, they are allowing the consumer or small business owners in this case to get the shaft.

1. Are All Business Blogging Networks Fraudulent?
2. Do Most Business Blogging Network Owners Over Hype, Over Promise and Under Deliver?

Well some business blogging entrepreneurs and founders are fraudulent and they know darn good and well what they are doing. They are busy hoping that the network will build itself and promising of great pie-in-the-sky futures for all who participate. And yes, most small business blog social networks do over hype, they over promise and generally most all of them under deliver. I thought you should know.

"Lance Winslow" - Online Blog Content Service. If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/. Lance Winslow's Bio