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Dental Insurance Plans
Cheap Affordable Low Cost Dental Insurance Plans. Discount dental plans are designed for individuals and families looking to save money on dental care services. Participating providers in the dental plans we offer have agreed to accept a discounted fee a
IndependentBenefits.com
Health insurance for small business, self-employed, and independent contractor, individual, family, and group health insurance plans.
Blue Cross Blue Shield - - - Online quotes
Instant online quotes for Blue Cross Blue Shield and other major companies. We serve the states of OH,FL,GA,SC,NC,AL and TN.
Georgia Long Term Care Center
Long term care infornation,rates and assistance for residents of Georgia. Georgia agency with Georgia market knowledge representing the major companies.

Insurance/Health Fast Facts, Last Updated:09/09/2010
Consumer advocates say that health insurance companies have adopted a business model of "risk avoidance',(refusing to offer policies to the sick, the elderly and those who might get sick) rather than the traditional insurance concept of "risk sharing." (Offering policies to as many people as possible to mitigate individual risk, i.e., a Universal Pool) Insurance companies say that in Universal Pools, healthy policyholders must subsidize the unhealthy, and that those who take care of their health can pay lower premiums if they are given the opportunity to avoid this subsidization. Consumer advocates say that risk sharing or cross subsidies between classes of people like the sick and healthy and the young and elderly are what constitutes the very defintion of health insurance. Consumer advocates say the young and healthy need to remember that one day, they could well be older and sicker.

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