Seniors Seek To Minimize Healthcare Costs As Anthem Blue Cross Increases Premiums

Alan Weinstock asked:

Los Angeles, Calif. (March 3, 2009) – Anthem Blue Cross implemented an across-the-board increase in Medicare supplement insurance plan premiums March 1, 2009, which is causing senior citizens to look for ways to maximize their healthcare dollars and minimize expenses.

This is particularly true in light of today’s recession and as IRAs and 401(k) retirement accounts continue to dwindle in value. As federal bailout and stimulus monies are released, some economists warn of possible increasing inflation rates, a concern for many on fixed incomes.

There is no way to entirely avoid rising insurance rates. AARP and AETNA both increased their Medicare supplement insurance plan premiums on Jan. 1, 2009, and depending on the plan, rates can go up at regular intervals as seniors get older. For seniors who are not affected by the upcoming Anthem Blue Cross rate increase, in the current economy it can be beneficial to shop around, since costs vary from plan to plan and from insurance company to insurance company.

Comparisons can be made by calling the various insurance companies one by one, by seeking out an insurance broker specializing in Medicare supplement insurance plans or even more conveniently by visiting a California-based Medicare supplement insurance plan Web site, such as The site provides easy access to information about rates, plans and benefits from several prominent insurance companies.

“I received a notification that my insurance was being increased again. I went on the Internet…and now I’m saving over $100 a month,” said Sharon Davis, 67, of Rancho Palos Verdes.

Why purchase a Medicare supplement insurance plan at all? There is a common misconception that Medicare pays 80 percent of a senior’s healthcare costs. What Medicare actually pays is 80 percent of the amount it has approved for a particular health care service, not 80 percent of what the doctor actually charges. Medicare’s “80 percent” might, for example, cover only 50 percent of the doctor’s bill, often making a Medicare supplement insurance plan, also known as Medigap insurance, essential for senior citizens’ financial well-being.

Larry Peschek, 78, of Thousand Oaks said that his insurance broker “helped my wife and me get a Medigap policy that saved us money, but still had the same benefits.”

Available insurance options and plans can often be bewildering to seniors, leaving them to wonder what the difference in costs and benefits are between various Medicare supplement insurance plans. The information is out there; it’s just a mouse-click away at


Are Houses In Arizona On The Way Up? What About Builders In Arizona?

Reed Lattin asked:

If you’re looking for houses, Arizona is a great place to visit. There are many homes Phoenix Arizona has for sale, as well as builders Arizona offers and new homes Scottsdale is known for. It doesn’t matter what you want in houses, Arizona has something for just about everyone. Whether you want an older home, new construction, or to build your own custom houses Arizona can offer you all of these options and more. For builders, Arizona offers some of the best in the business, and new homes Scottsdale and the surrounding areas can be proud of. Although the economy is a little slow, as long as you’re financially grounded, you should have no trouble finding the home of your dreams. And for houses Arizona has plenty to offer you.

The climate in Arizona allows for better living. There is little to no humidity, and the dry, arid, desert attracts many different types of people looking for homes Phoenix Arizona has to sell. The builders Arizona are very helpful and known for building large, beautiful houses Arizona can be proud of. When it comes to new homes Scottsdale is the area that you want to choose for your location because they’re much better known for new construction than other parts of the state. Ultimately, when it comes to houses Arizona has something for everyone, and all in a climate that you can love and appreciate no matter who you are. It doesn’t matter whether you’re looking for the biggest homes or just nice houses Arizona has a little bit of everything, and a ton of different communities that you can enjoy them in.

Some people might tell you that when it comes to houses Arizona doesn’t have a good market because of the economy. The truth is that as long as you are financially stable and able to afford buying homes Phoenix Arizona has a market that is great for any buyer. You simply need to get a loan from a stable lender and find houses Arizona offers that you can afford in your price range. Another option is to hire builders Arizona is proud to call their own. Known for building the best homes, including new homes Scottsdale builders and other builders are a great alternative to buying an already constructed home. No matter what the state of the economy, you can find houses Arizona that are a great purchase for you and your family.

When it comes to houses Arizona has many qualified real estate agents that can help you to find the home of your dreams. You need to choose one of these people to work with, to make sure that you make the most of your home buying experience with regard to homes Phoenix Arizona. For houses Arizona has some of the best real estate agents around that are ready and waiting to help you, and they can find you homes Phoenix Arizona residents can be proud of. New construction is nice, as well, and realtors can help you find land. With builders Arizona real estate agents are great, as well. They can connect you with everything you need to find the home of your dreams, whether it’s old construction or new homes Scottsdale, and all the houses Arizona has to offer for your home buying needs. All in all, for houses Arizona has plenty to offer and you should check it out if you’re in the market for a new home.

Quality of Life in Phoenix, Arizona – a Real Estate Investor’s Dream!

The Valley of the Sun is a dynamic area to be living in, with ‘Phoenicians’ enjoying breath-taking vistas and interesting climate through-out the year. Choice Group Realty, based in Phoenix, AZ has regular access to the Phoenix MLS and the Arizona MLS as they are updated.

A lot of properties in the Phoenix real estate listings and select properties in the Arizona real estate listings include first-rate developed properties, undeveloped land and commercial spaces.

Soaked in native culture, Phoenix goes back by at least 1,500 years with the ancient Ho Ho Kam village, the remains and canal systems of which are still preserved and are accessible for tourist viewing. You can travel back in time in historic neighborhoods like La Hacienda, Oakland and Roosevelt Park or you can marvel at the beautiful and thought-provoking artistic talents on display during Phoenix’ various cultural events and art shows.

The Phoenix Convention Center, located Downtown, is poised to be one of the top 20 convention centers in the U.S. after its expansion is complete. A cooperative effort between the city of Phoenix and the state of Arizona, the center is predicted to be able to host more than 80 percent of current convention business. It also operates the Symphony Hall and the Orpheum Theater and hosts a continuous rotation of traveling Broadway productions, musical groups and local ballet and opera companies.

A sound employment base is undoubtedly one of the main promulgators of the cultural vitality of the Valley of the Sun. The various communities that make up the population of Phoenix are carefully planned. Almost every home featured in our Phoenix real estate listings are close to lush golf courses, exciting shopping plazas and entertainment facilities and outdoor adventure and water parks.

Arizona real estate listings also include properties in the surrounding Anthem, Chandler, Carefree, Cave Creek, Fountain Hills, Gilbert, Glendale, Peoria, Scottsdale and Tempe areas as well. Choice Group Realty thus brings you a vast choice of some of the best areas in Arizona State and the Phoenix metropolitan areas.

Oh yes, living in Phoenix, AZ is definitely a real estate investor’s dream come true!

Anthem Dentist Offers New Patients $150 Gift Certificate

Interesting Facts About Arizona

Mari milian asked:

Arizona is a wonderful place to live in. It has lust desert landscapes, crystal-cleat waters and breathtaking mountain peaks. From small communities to one of the fastest growing cities in the United States, Arizona offers unique experiences packed with adventure and stunning sights. Arizona’s climate is quite varied. Central Arizona has mild weather with cool breeze, while northern Arizona might be swooshing down the state’s ski slopes enjoying a cool winter day. During summer, southern Arizona can be sunbathing, while people in north-central Arizona might slip on sweaters and enjoy the crisp night air. There are some interesting facts about Arizona. The amount of copper on the roof of the Arizona capitol building is equivalent to 4,800,000 pennies. Arizona has the largest percentage of land designated as Native American tribal land. Phoenix south mountain preserve is the largest municipal park in the country. The world’s largest antique, London Bridge, is located in Lake Havasu City. Phoenix south mountain preserve is the largest municipal park in the country. Since1888, Prescott, Arizona has been home to the world’s oldest Rodeo.

If you own a house in Arizona, youngsters can enjoy a lot. There are lots of places for them to enjoy. Like, karchner caverns in south of Tucson. It is a living, breathing cave. Cave tours change between the throne room and the big room. Other places to visit are Sonora desert museum in Tucson, Grand Canyon, off roading in the Arizona desert, tombstone, Pima air museum, ghost town, phoenix zoo, Bisbee’s queen copper mine and Montezuma’s castle national monument. If you buy a house here you can enjoy 365 days. Major cities and towns of Arizona are as follows. Phoenix is the largest city in Arizona. Tucson is Arizona’s second largest city. The city is home to the University of Arizona and the davis-monthan air force base. The third largest metropolitan area is Yuma. Yuma is one of the hottest cities in the entire U.S.  The largest city in northern Arizona is flagstaff. It is a home to northern Arizona University’s primary campus.

Arizona has a good education system. It has three major universities like the University of Arizona, Arizona state university, and northern Arizona University. University of phoenix is the large private university in the U.S. Buy Arizona has eight primary commercial airports: bullhead city, flagstaff, grand canyon/tusayan, page, peach springs, phoenix, Tucson and Yuma. Commercial airline service is available in Lake Havasu, phoenix mesa, Prescott and show low. Arizona also has 47 reliever and general aviation airports scattered throughout the state. Tourism is a huge industry in Arizona, as lot of people throughout the country come to this pace throughout the year. Dairy, lettuce, mining, machinery, food processing and transportation equipment are all huge contributors to economic well being. Tucson and phoenix are large metropolitan area that has good pubic bus transit systems. Yuma and flagstaff also have their own public bus systems. Greyhound serves these two cities as well as flagstaff, Yuma and countless smaller communities throughout the state.

Anthem Dentist Offers New Patients $150 Gift Certificate

Tonik From Anthem Blue Cross

Jeffrey Peterson asked:

TONIK from Anthem Blue Cross is a new concept in PPO (Preferred Provider Organization) health insurance.

The plan is marketed exclusively by the web, and agents who sell TONIK link to an online enrollment interface that the insurer hosts.

While the success of TONIK itself it notable, the reasons for the success are even more surprising. First of all, TONIK is described not only in plain language, but also in appropriate slang for the target audience. Even the plan names are intended to please the young target buyer…

“Part-Time-Dare-Devil”, “Thrillseeker” and “Calculated Risk Taker”. Quite a departure for a venerated company like Anthem, who for years extolled tradition as a central value for health insurance.

Probably even more than the names, ancillary benefits (dental and vision) entice buyers to choose TONIK. You may never have a heart attack, but you will certainly need an eye exam and a teeth cleaning.

Each of the three varieties of TONIK include dental and vision benefits, without an additional cost. So while you want the coverage in case of an accident, you know you will use the Dental and Vision for sure.

I don’t think it will be long before other companies create exciting (as exciting as insurance can be) health plans to compete, but in the mean time, TONIK is setting records for a 65 year old company, and that is saying something.



Anthem Dentist Offers New Patients $150 Gift Certificate

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