Do Drivers with Health Insurance Need Uninsured Motorist Coverage?

Do drivers need both types of coverage to be protected?smashed car with airbags

No one wants to pay more for auto insurance than they have to.  This is why many drivers look to save money by cutting down on coverage.  For instance, many drivers don’t want to pay for uninsured motorist coverage, assuming that their health insurance will be enough.  Unfortunately, this isn’t the case.  Here’s why drivers can’t afford to skip out on uninsured motorist protection.

  • What is Uninsured Motorist Coverage?

If you get into an accident with an uninsured individual, they will not have coverage for your injuries or vehicle repairs.  Additionally, most uninsured motorists do not typically have assets, meaning that the driver probably won’t be able to cover your accident recovery costs out of pocket.  This is where uninsured motorist coverage kicks in.  This form of insurance will provide coverage for things like your car repairs, medical treatment, and so on.

  • Why This Coverage is Important

If you already have collision and health insurance, then you may feel like uninsured motorist coverage is unnecessary. However, it’s important to understand that this coverage extends further than your existing policies.  Specifically, uninsured motorist coverage offers more benefits that your health insurance.  For instance, your health plan will only cover the cost of your medical treatment.  However, what happens if you can’t work due to your injuries, or if you are suffering mental and emotional trauma following the accident?  With uninsured motorist coverage, you will have coverage for your medical treatment, rehabilitation, lost wages, and reparation for your pain and suffering.  With these extended benefits, it’s easy to see why it’s worth it to carry uninsured motorist coverage.

This is why drivers need the protection offered by uninsured motorist coverage.  Do you have more questions about your auto insurance?  If so, then contact the experts at Miller Carlisle Insurance Services.  Our dedicated team is eager to assist you with all your coverage needs today.

Health Insurance Terms That You Should Know

Health insurance terminology that everyone should know.Health Insurance Terms That You Should Know

For the average person, engaging with the health insurance market can be a challenging experience.  To make matters worse, there are many confusing terms that make managing your health coverage even more confusing.  To help you understand your health coverage, here are the definitions of some of the most important health insurance terms.

  1. PPO– Preferred Provider Organization; refers to a health plan that encourages you to use a network of doctors and hospitals for your healthcare services. Seeing medical professionals outside of your network will result in higher out-of-pocket payments.
  2. HMO– Health Maintenance Organization; these plans have their own network of doctors, hospitals, and other healthcare providers. HMOs offer coverage for lower premiums but limit your choices as they will not cover any out-of-network care.
  3. Indemnity– health plans that allow you to direct your own healthcare and choose the doctors and hospitals that you want. The plan will cover a predetermined percentage of your total health care costs
  4. Copayment– flat dollar amount that you will pay your health care provider for a covered service. For instance, you could have a copayment of $30 for every visit to your primary care doctor and a $10 payment for every prescription filled.
  5. Coinsurance– the percentage of charges for covered services that you are required to pay. For instance, your insurance may cover 80% of the costs associated with a hospital stay, leaving you responsible for paying the remaining 20%.

These are some of the health insurance terms that you should know.  Do you have further questions regarding your health coverage needs?  If so, then contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your personal insurance needs today.

Insurance That College Students Need

Here are some of the coverages that your college student should have in place.Insurance That College Students Need

Is your child heading off to college this fall? If so, it’s important that they are ready to handle everything that comes their way. One of the best ways to ensure that they are prepared is by securing the right insurance coverage to meet their needs. Here are some of the coverages that your student might need this semester.

  • Renters Insurance

Whether your child is living on or off-campus, they will need protection for their personal belongings. Getting the right renters insurance will ensure that they have coverage for any possessions that are damaged or stolen. Additionally, securing the right renters policy will also ensure that they are covered in the event that a personal liability issue arises.

  • Auto Insurance

If your student plans on taking a car with them to campus, they will need to have the right auto insurance protections in place. If your child’s school is in-state, they will likely have coverage under your family’s existing auto policy. However, if they are attending school out-of-state or if they meet certain conditions, they may need their own policy. Be sure to speak to your auto insurance provider to learn about all their coverage options.

  • Health Insurance

Nowadays, colleges require students to have some minimum level of health insurance. Generally, schools offer students the option of enrolling in a school health program or showing proof of coverage under a parent’s policy. If you want to keep your child under your health policy, make sure you speak to your insurer and your child’s school to ensure that they will have adequate coverage.

These are some of the insurance protections that your college student should have in place.  Looking for assistance with your personal coverage needs?  Then contact the experts at Miller Carlisle Insurance Services today.

Add These Foods to Your Diet to Lower Your Blood Pressure

Eating these foods can help you lower your blood pressure.Add These Foods to Your Diet to Lower Your Blood Pressure

Did you know that May is National Stroke Awareness and National High Blood Pressure Education Month? In honor of this month, you should make a conscious effort to control your blood pressure. Want to take care of your health, but not sure where to start? Try incorporating these foods into your diet to help you lower your blood pressure naturally.

Leafy Greens

Leafy greens such as romaine lettuce, arugula, kale, turnip greens, collard greens, spinach, and so on are a great source of potassium. As potassium helps the kidneys eliminate sodium from the body, a diet rich in these types of veggies can help you reduce your blood pressure levels.

Berries

Berries, particularly blueberries, are rich in natural compounds called flavonoids. Research has linked the consumption of flavonoids to a reduction in blood pressure levels. Luckily, incorporating more blueberries, raspberries, and strawberries into your diet is a sweet way to help you stay healthy.

Beets

Beets are rich in nitric oxide, a compound that can help widen your blood vessels and lower your blood pressure. Additionally, research has shown that the nitrates found in beet juice helped reduce blood pressure in a span of just 24-hours.

Low-Fat Dairy

Low-fat dairy is an excellent source of calcium, which plays a significant role in the reduction of your blood pressure. Studies have shown that people who have diets rich with skim milk and low-fat yogurt experienced a 20% reduction in their risk for developing high blood pressure.

This May, work these foods into your diet to help you better manage your blood pressure.  Want another way to take care of your health this month?  Then make sure you have the proper health insurance to address all your needs.  To find the right policies for you, contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your coverage needs.

Observe American Heart Month

Try out these suggestions to celebrate American Heart Month.Observe American Heart Month

February marks the start of American Heart Month, a campaign that asks Americans to take a more vested interest in their heart health.  As cardiovascular disease remains the number one cause of death in the United States, it’s more important than ever to make healthy changes for the benefit of your heart.  This February, take better care of your health by trying out these suggestions.

See Your Doctor

This February, you should schedule an appointment with your doctor.  Ask them to run all the necessary tests to help them get a clear understanding of your overall health.  After the examination, work together to create a long-term health plan.  Make sure you ask any questions that you might have; you should understand all the reasoning behind your doctor’s recommendations.

Break Bad Habits

If you are a smoker, you are putting your heart in danger every time you light up a cigarette.  Additionally, if you drink regularly, you should be aware that excessive consumption of alcohol can also cause your heart health to deteriorate.  This month, make an effort to break these bad habits for the sake of your heart.

Maintain a Healthy Diet and Exercise Regimen

Finally, you should also do your best to make healthy lifestyle changes this month.  To start, you should avoid consuming fatty, cholesterol-heavy foods.  Instead, try to incorporate heart healthy foods such as fish, nuts, oats, and fresh produce into your diet.  You should also be making an effort to exercise regularly.  Getting at least 30 minutes of aerobic activity a day should be enough to keep your heart healthy and strong.

Try out these suggestions to take better care of your heart this February.  Want another way to make your health a priority?  Make sure you have the right health insurance coverage to meet all your needs.  To find the right policies for you, contact the experts at Miller Carlisle Insurance Services.  Located in Carlisle, Pennsylvania, our dedicated team is ready to get you covered today.

The Business Traveler’s Guide to Travel Insurance

The Business Traveler's Guide to Travel InsuranceIf you spend the majority of your time inside of a plane cabin, then travel insurance is something you should definitely look into. 

Do you spend the majority of your time suspended 30,000 feet in the upper troposphere–the altitude in the atmosphere in which commercial airplanes tend to fly? Do you see the inside of a plane cabin more than you do the inside of your own room? If so, travel insurance is something you should not consider optional. It is something that is crucial to you and could save you money and your life. Here are a few things you should consider when you purchase your travel insurance policy.

  1. Health insurance policies are not created equal. 
    Your employer may provide health insurance, and as long as you remain in the country that’s fine. But what if you travel to a foreign country? The general health insurance policy becomes void when you go outside of the country. Travel insurance can cover medical injuries and property damage outside of the U.S.
  2. You shouldn’t try to fool your insurance company.
    If you use a car primarily for business purposes, your insurance will not cover you if you get into an accident while using it for business. In other words, if you use it for personal reasons like driving to the store, school, or pizza, personal auto insurance will provide you with coverage. If, on the other hand, you are traveling to a business meeting or delivering your product, you need commercial auto insurance.

Travel, by its very nature, is something that requires precaution! Make sure you are not caught off guard with the right insurance policy that provides coverage for all of your needs. For your all-encompassing insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates today!

American Heart Month: A Month to Raise Awareness

American Heart Month: A Month to Raise AwarenessHeart is where the health is, and as the leading killer of men and women in the U.S., it is important you know how to keep your heart healthy.

Along with Black History Month and Valentine’s Day, February is also American Heart Month which aims to raise awareness about heart health. Visiting your doctor, exercise, and eating right are the perfect first steps you can take to better assure that you have a healthy heart. Let’s go more in-depth about why these actions can lead to a healthier heart.

  1. Visit your doctor.
    You should visit your doctor at least once a year to do a regular check-up. Medical professionals can detect any irregularities in your heart. Early detection is crucial as adjustments to your diet and exercise routine can be done in order to procure a positive result.
  2. Exercise regularly.
    Your muscles need exercise in order to remain strong and healthy. Your heart is no exception to this rule. Start off by walking 15 minutes three times a week, and then increase this to 30 minutes three to four times a week. Swimming and cycling are exercises you can practice that are excellent for your heart, and considered to be low-impact sports.
  3. Eat more vegetables–less meat. 
    Red meat has carcinogenic effects that debilitate your heart. Limit your meat consumption to once a week; this is beneficial to your heart and to the environment as livestock are the fifth-largest producers of greenhouse gasses.

This February and 2017, make an effort to get your heart healthy! These helpful tips may get you on the right track to a healthy heart; talk to your doctor for professional medical advice about what you can do for your heart. For your all-encompassing insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates today!