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Results from search: http://www.medicalsavings.com/

Medical Savings Insurance       Your Health, Your Money, Your Doctor ® For more information about Medical Savings Accounts, click on the state in which you live: Arizona Arkansas California Florida Illinois Indiana Nebraska Ohio Oklahoma South Carolina Virginia West Virginia All Others         you . . . . . . pick your own doctor . . . can change doctors anytime . . . can change doctors for any reason You buy health coverage to protect your family. Do you want to accept restrictions on which doctor your family can use? Of course not! Don't you want the right to choose your doctor -- and the right to change doctors anytime, for any reason, or for no reason at all? People need health insurance to protect their assets and property from big medical bills. We offer a low-cost, high deductible major medical insurance policy that pays for those big bills. You pay the small bills, and the insurance company pays the big bills. And, if you qualify, you can fund a Medical Savings Account to pay the small bills tax-free.   Copyright © 2001 Medical Savings Insurance 5835 West 74 th Street Indianapolis, IN 46278-1757 To read our privacy statement click here    

Results from search: http://www.medicalsavings.com/Pages/PrivatePolicy.htm

Medical Savings Insurance This is a Notice to You of Our Privacy Policy As a valued customer, we pledge most sincerely to honor at all times your right to privacy. We promise to do this in strict accord with current regulatory and legal standards and good business practice. Maintaining the integrity and protecting the privacy of the information you supply us with is a top priority with Medical Savings Insurance Company. As we provide you with competitive health insurance and financial services now and in the future, we will continue to demonstrate and maintain our commitment to protect your privacy as we conduct business with you and in your behalf. Simply stated, the policy and practice of Medical Savings Insurance Company is to keep your medical and financial information strictly confidential at all times, as prescribed by law. Your information is protected by security measures surrounding our personnel and technology. We gather information only relevant and necessary to providing you with competitive health insurance products and financial services. Your insurance agent or broker may see some of your information as part of the application and delivery process. Nothing beyond that is divulged to the agent or broker without your permission. It is our practice to stringently limit the release of information. Medical Savings Insurance Company shares information only when necessary to enable us to underwrite, issue and administer products and services we provide, and when required by law. From time to time, we may need to compile and share information with people and entities we do business with in order to provide you with insurance and covered services. Among those may be: Your insurance agent or broker Doctors or medical practitioners Firms or consultants providing precertification and medical necessity review Health insurance and financial services networks and data clearinghouses Your bank or banks Audit firms who provide claims review and repricing services Networks through which you receive discounts Pharmacies for prescription drug discounts The Association Group of which you are a member (eg. Citizens for a Sound Economy, et al) Because association membership is required of all applicants, you may occasionally receive information from the association to which you belong about services that they or their affiliates offer, or about issues affecting the membership. We acknowledge it may happen and have made this a part of our privacy policy. In all our business relationships, we require strict privacy and confidentiality protections. Occasionally, you may need to share information with our consulting nurses or physicians. This information is received by us directly from them. It doesn't go anywhere else. For example, it doesn't go to your agent or broker. We are very diligent about keeping such information strictly confidential. In addition, we'd like you to know, we do not release or sell information to telemarketers, mailing houses or e-commerce Internet marketers. Should an occasion arise when an outside party requests us to disclose personal non-public information about you -- for example, to solicit you for one of their products -- we would send you a notice and let you know what we propose to do and give you an opportunity to opt out from doing it, as provided by law. We treat all of the information with respect to former customers in the same manner as we do for current customers. Other than the disclosures mentioned above, Medical Savings Insurance Company does not release your nonpublic personal information to unaffiliated third parties. By your acceptance of our insurance and by paying your premium, you acknowledge receipt and acceptance of this privacy policy.

Results from search: http://www.goldenrule.com/

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Results from search: http://www.medsave.com/

MedSave.com Medical Insurance, Dental Plans & Medical Savings Accounts     OnlineAdviser service provided by Tony Novak Welcome to     Med Save .com            Fast, affordable and reliable health plans  and tax-qualified M edical Savings Accounts     Thanks to our 35,000 users since 1999 - Please tell a friend about us!     Short Term Medical Insurance (U.S.) Student Medical Insurance (U.S.) International Medical Insurance (Worldwide) Dental / Vision / Rx Discount Plan Free Trial Offer (U.S.) Medical Savings Accounts Request Information by mail or e-mail Other Services   Frequently Asked Questions What's New for 2002 Download Forms About MedSave.com Contact Information: Mailing Address:   P.O. Box 102, Narberth, PA 19072   Toll-Free Telephone:   (877) 539-7435 Direct Telephone:   (610) 664- 8669   Fax:   (603) 691-7948 Email: benefits@medsave.com      We are committed to your complete Freedom of Choice - All of the health insurance plans cover ordinary and necessary medical expenses provided by any doctor or hospital of your choice anywhere in the country.   Some plans provide worldwide coverage. Get Rates and enroll online - for U. S. short term health insurance , international health insurance , student health plan ,  Your new coverage will be confirmed effective within hours. Telephone Support     1-877-529-7435 Professional enrollment support from financial adviser Tony Novak.  When necessary, call-backs are made within one business day. Fax, E-mail and Regular Mail - Use the " Request Information " form for permanent medical plans  Use this method for Medical Savings Accounts because these rates are not available using the automated pricing and enrollment. COBRA coverage too expensive?  /  Recently graduated? /  Self-employed?   /  Not covered under parent's policy?  /  Preferred Risk?  /  Student?  /  Waiting for group coverage?  /  Over Age 65? / Starting a new business?   /   Working from home?  /  No benefits provided with your job? / COBRA is too expensive? / Retired early?  /  Traveling Overseas?  /  Visiting the U.S.?  /  Need to find more affordable insurance?  /  Need to rollover benefits to your new employer? / Receiving Unemployment Benefits? Our Mission To provide fast and reliable enrollment in high quality / low cost health insurance plans. Business Profile MedSave.com is the creation of financial adviser Tony Novak designed to prove that medical insurance and Medical Savings Accounts do not need to be complex, expensive or difficult to obtain.  This service rises to the challenge of making available a top quality medical insurance and free Medical Savings Accounts to most small businesses nationwide.  Tony Novak also designed FreedomBenefits.com to provide free 401(k) plans to small businesses under the same principals.   Tony Novak (click for full biography) , MBA, MT, a Comprehensive Wealth Management Adviser, has provided employee benefits consulting to more than a thousand small businesses in 48 states and is known as an innovator in the design of low cost and tax-saving benefit plans for small business owners.  Mr. Novak is a contributor to Web-based industry publications like Financial Planning Interactive and lectures on the topic "Current Events in Employee Benefits" in continuing education programs for CPAs, attorneys and financial planners.   To learn more about free online 401(k) plans for small businesses, Comprehensive Wealth Management and the other services provided by Tony Novak, call 1-877-529-7435.          Secure Online Enrollment   Comments from  customers | Why use MedSave. com ? A bit of humor: "Top 25 Clues  That Your Health Plan is Substandard" Products and Services | Frequently Asked Questions About short term medical Insurance | Ask On-line Adviser   | Enroll Online | MedSave.com is a member of the Better Business Bureau's Online Reliability Program. © 1999-2002 MedSave.com All Rights Reserved     

Results from search: http://dmoz.org/Business/Insurance/Agents_and_Marketers/Health/Medical_Savings_Accounts/

Open Directory - Business: Insurance: Agents and Marketers: Health: Medical Savings Accounts     about dmoz | add URL | update URL | become an editor | help the entire directory only in Health/Medical_Savings_Accounts Top : Business : Insurance : Agents and Marketers : Health : Medical Savings Accounts   (22) American Community Mutual Insurance - Offers a combined plan in AZ, IL, IN, MI, MO, NE, and OH. American Health Value - One of the first providers of MSAs, now offering investment options and a PPO medical provider network. Useful information and links for all MSA shoppers. Benefit Administrators - Provides MSA qualified high deductible insurance plans as well as administrative services. Blue Shield of California - MSA-qualified Preferred Savings Plan, available through any Blue Shield of California agent. Offered in CA only. California Health Care Shopper - Offers Blue Cross and Blue Shield MSA-qualified plans to CA residents. First MSA Inc. - Set-up and manage medical savings accounts for individuals and employers. FlexAmerica - Administers Section 125 plans, flexible spending and dependent care expense accounts. FlexMSA - Offers an MSA with MasterCard, checkbook, and investment option, and helps set you up with a qualified insurance plan in your state. IRS FAQ and other information. Golden Rule - Calls themselves The Pioneer of Medical Savings Accounts, and no kidding. Their combined plan was one of the first, and they helped push a reluctant Congress into making MSAs available to individuals and small businesses. InsuranceQuest - MSA-qualified plans for Oregonians and nationwide. Kelsey National - Offers combined plans in AZ and CA. Medical $avings Accounts, Inc. - Offers a combined plan to small employers in Minnesota and Wisconsin. Medical Savings Accounts Midwest - MSA Advantage offers one-stop Mellon Bank MSAs and MSA-qualified health insurance in IA, IL, MI, MO, OH, PA, and WI. Medical Savings Advantage - Offers MSAs from Mellon Bank with investment options from Dreyfus. MasterCard and checkbook for easy access to funds. Medical Savings Insurance - Offers MSA-qualified insurance in AZ, CA, NV, OK, and VA, with a nice explanation of how MSAs work. Medical Savings of America - Low-cost MSA with Visa card and checkbook for easy access to funds. Click on the piggy bank for the Cartoon Guide to MSAs. Medismart - Offers Medical Savings Accounts, Medical Reimbursement Accounts, and MSA-qualified insurance plans in CA. MSA Insurance Providers - An old list of MSA-qualified medical plans from the MSA Page. MSAver National Resource Center - MSAver specializes in MSA's for individuals and small business clients, providing insurance and MSA account options. Pick Your Provider - Site for customized, defined contribution health care benefits. Stone & Associates - MSA-qualified insurance plans for TN residents. Support Services Alliance - Offers combined plans to its members in NY. " Medical Savings Accounts " search on:   All the Web  - AltaVista  - Deja  - Google  - HotBot  - Lycos  - Northern Light  - Yahoo This category needs an editor     Copyright © 1998-2002 Netscape     Terms of Use Last update: 7:08 PT, Saturday, April 6, 2002 - edit

Results from search: http://center4debtmanagement.com/Insurance.shtml

Payless Insurance Center: FREE insurance quotes, medical savings program, medical coverage Home Page Debt Management Debt Settlement Debt Counseling Credit Repair Credit Report Credit and Financing Financial Aid Bookstore Library Expense Reduction Filing Bankruptcy Income Resources Financial Resources Legal Resources Tax Center Insurance Center Free Stuff Due to increasing insurance cost, it is becoming ever more difficult for consumers to buy adequate insurance coverage. W hen it comes to buying insurance, sadly, the average consumer lacks the knowledge necessary to make the right buying decision. As a result, hard earned money is often wasted on unnecessary or over priced policies. On the other side of the coin, some consumers fail to understand the importance of insurance and often go without or are under-insured, the results of which could be devastating. The fact is, for most consumers, insurance is necessary, and sometimes, even required! Essentially, insurance is a "system to make large financial losses more affordable by transferring the risk from individuals to large groups, or pools, in return for a premium. Due to increasing insurance cost, however, it is becoming ever more difficult for consumers to buy adequate insurance coverage. As a result, selecting the right insurance-at the right price-is more important then ever. The Center For Debt Management ,T therefore, established this sector to offer some guidance and to provide consumers with an easy means to obtain FREE Insurance Quotes -to ensure that you are getting the most favorable rates! For consumers without full health and medical coverage, we highly suggest purchasing a low cost medical savings program . Designed to provide savings of 20% to 80% in medical expenses, our choice is Care Entrée For another alternative, without all the bells and whistles available with the Care Entrée plan, check out Preferred HealthPlus . We have also created articles and resources relating to insurance to educate our visitors and to help answer your questions. For consumers wanting more in-depth information, check out our hand-picked selection of insurance books. For a comprehensive book providing the information a consumer needs to make an intelligent insurance-buying decision, we suggest The Complete Book of Insurance Insurance Resources FREE Insurance Quotes  Comparison shop for the best insurance rates! The Complete Book of Insurance  The Consumer's Guide to insuring Your Life, Health, Property and Income! Care Entrée   A savings program that can save you 20% to 80% on all your healthcare needs! Recommended Reading
and Self-Study Resources  A hand-picked selection of our highly recommended insurance books and resources. Articles and Resources  Review our index of insurance articles & resources.   Insurance Center:  Your link to understanding and reducing insurance costs! Health, Home, Auto, Long Term Care Insurance eHealthInsurance : Offers a complete service to learn about, compare and buy health insurance. Plans are available for individuals, families, students, seniors and small businesses. Instant health insurance quotes and side-by-side plan comparisons . 4Insurance.com : A free, no obligation service that helps you save time and money when purchasing insurance for your Home, Life, Health, Group Health, Auto, RV and Motorcycle. Multiple agents and insurance carriers compete for your business . Insurecom : Quotes for auto, home, life & health and long term care. Features a network of thousands of participating insurance agents and companies across the United States. Get a quote now ! It only takes a couple of minutes. LTC Insurance : An unbiased information source for long term care insurance. At your request they'll put you in contact with a professional who will help you understand your options so that you can make an informed decision about LTC insurance . Annuities Central : Resource for finding the best rates on annuities. With a network of the top providers, they can assist you to understand the differences in annuities . NetQuote : This FREE service has been helping consumers in their search for the lowest cost Auto, Motorcycle, Boat, RV, Home, Condo, Renters, Life, Health (Group or Personal), and Business Insurance. Quotes are available in all 50 states . Term Life and Accidental Death Insurance My Family Protection / Globe Life : From insuring your children (or grandchildren) to insuring yourself, My Family Protection makes it easy and affordable to get life insurance. Only $1 Starts Your Term Life Coverage ! AccuTerm : Every life insurance company treats risk differently. Accuterm's advanced term life insurance quoting engine takes these differences into account, giving you personalized quotes based on your health profile. Save up to 70% on Term Life rates ! Insurance Quote Service : Offers instant, real-time, personalized quotes from the nations top life insurance carriers. Because IQ is not affiliated with any carriers, each quote is totally unbiased, guaranteeing the lowest Term-Life quote available . Find My Insurance : A free comparison service which gives you access to over 550 term life insurance policies from over 175 top rated life insurance companies. They work for you, not the life insurance industry. Find the best rate then apply online . Disability Insurance Health Extras : Get $1,000,000 of accident disability coverage. Protect your family for pennies a day! Take 30 days to review the benefits at no cost to you! Plus, get a FREE magazine subscription for enrolling online. Membership as low as $9.95 a month . Disability Insurance Center : An unbiased information source for disability insurance. Let them put you in contact with a professional who will help you understand your options so that you can make an informed decision about disability insurance . Medical Saving Plans and Dental and Vision Care Care Entrée : Provides a low cost Medical Savings Program available to the entire family for as little as $39.95 per month! Savings of up to 50% through a network of over 300,000 quality providers! Plus, savings of up to 80% from over 2,900 hospitals, MRI clinics, DME providers, and other ancillary services. Click for more details ! Preferred HealthPlus : Can't afford all the medical benefits your family needs? With HealthPlus you can save up to 60% on contact lenses, braces, chiropractors, and prescriptions from a network of major retail chains and over 80,000 quality healthcare providers. No forms to fill out and no exclusions for pre-existing conditions. Coverage for the entire family is only $99.95 annually. Try it for 30 days for just $1.00 . To ensure the best rates, get quotes from several agencies! If you are visually orientated, click here to view the above offers. Insurance Articles & Resources Recommended Reading and Insurance Self-Study Resources Disaster Strikes-Am I Covered? What You Should Know About Buying Life Insurance Guide To Single Family Home Mortgage Insurance Nine Ways to Lower Your Auto Insurance Costs Twelve Ways to Lower Your Homeowner Insurance Costs Planning Your Estate 66 Ways to Save Money Medicare Medicare & You! Medicare Savings for Qualified Beneficiaries Mortgage Insurance - How to Buy a Home with a Low Down Payment Exclusive Insiders Guide To Disability Insurance Request The Insiders Guide to Long Term Care Insurance Links to State Division of Insurance Offices and Commissioners Complete Text of U.S. Code Relating to "Regulation of Insurance" Review Your Credit Report Click here to check out our Reliability Report Books Magazines Software Audio/Video Library Use our search engine below to search through the files at our site. Enter Keywords, Terms, or Phrase: Match All Any Term in Search Index. Try to be specific! Financial Resources Legal Resources Income Resources Expense Reduction Insurance Center Sign up for Our FREE Newsletter! Use This Pull Down Menu To Further Navigate Our Site The Center For Debt Management Home Page About Us - Serving the Online Community Since 1992! Read Unsolicited Testimonials About Us Financial Prospective - Our Financial Newsletter Review a Brief Description of Our Services Information about the Debt Management Program Information about a Debt Reduction Settlement FREE Confidential Credit Counseling Services Learn All About Consumer Credit Reports Review Your Credit Report Online in 60 seconds Information on Credit Repair Basics Your Alternatives When Filling Bankruptcy Your Dollar Stretcher and Hedge Against Inflation Credit Cards, Loans and Financing Resources FREE or Affordable Legal Assistance Employment and Income Opportunities Free Insurance Quotes and Related Information Tax Resources and Online Filing Center Banking, investing and Financial Planning Services Student Aid and Public Assistance Resources Words of Wisdom about Debt and Money Consumer Information Center - Protect Yourself The Library for Money Management The Bookstore for Money Management Software for Debt And Money Management Magazines Related to Debt and Money Management Check out Our Audio Book and Video Center Resources to Care For Your Home and Loved Ones Resources for Your Automotive Needs Resources for Your Food and Clothing Needs Resources for Your Medical, Health and Beauty Needs Resources for Travel and Recreation Resources for Sports and Fitness Resources for Your Computer and Electronic Needs Resources to Enhance Your Online Experience Information and Navigational Instructions Search Engines to Surf to Your Heart's Content The Center For Debt ManagementT Confidential and Effective Debt Management Strategies from the Comfort of your Home!T Debt Management and Financial Services! The Information Superhighway's oldest and most comprehensive debt management agency!  FREE consumer credit counseling, debt consolidation, debt reduction settlements, credit repair basics, FREE credit reports, credit and financing, income resources, financial aid, legal aid, tax resources, insurance quotes and more. Established in 1989 and serving the online community since 1992! This site was created and designed by Daniel A. Gelinas Disclaimer and Privacy Policy       ©  Copyright   2001 "The Center For Debt Management"       Contact Us Helping Consumers Save Money and Reduce Debt Is Our Only Business!T W e spend countless hours developing our website and searching for resources that we believe will assist you to better manage your money and your financial affairs. We invite you to explore the sectors listed below. We promise that you'll find exceptional values, offers and resources in which to reduce your living expenses and to enjoy life! 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Results from search: http://www.cato.org/pubs/pas/pa-411es.html

Medical Savings Accounts: Progress and Problems under HIPAA   Advanced Search Help     Books     Policy Studies     Legal Briefs     Cato Handbook for Congress     Cato Journal     Congressional Testimony     Regulation Magazine     Cato Audio     Cato Policy Report     Cato's Letters     To Be Governed...     Events Archive     25th Home     Friedman Prize     About Cato     Cato Timeline     Make a Contribution     About Sponsorship     Alternative Giving Methods     Levels and Benefits Free Pocket Constitution Email Updates Cato Audio Cato Store Cato on Your PDA Cato University El Cato Cato Policy Analysis No. 411 August 8, 2001 Medical Savings Accounts Progress and Problems under HIPAA by Victoria Craig Bunce Victoria Craig Bunce is director of research and policy at the Council for Affordable Health Insurance in Alexandria, Virginia. Executive Summary Medical savings accounts (MSAs) have shown that they can help health care consumers control costs, exercise greater choice in and control of their own health care, improve access to medical care, and increase personal savings. Early experiments with MSAs achieved modest success by the mid-1990s. The Health Insurance Portability and Accountability Act of 1996 established a five-year MSA demonstration project for a select group of individuals-employees of small firms with 50 or fewer workers and self-employed individuals. MSAs under HIPAA provided federal tax deductions for contributions to multiyear savings accounts established for medical purposes. HIPAA MSAs were handicapped by rules that limited their availability and growth over the last four years. HIPAA imposed unnecessary complexity, restricted the scope of the MSA project, and created a number of MSA design problems. Last December the HIPAA MSA project was about to sunset when Congress renewed it for another two years, until December 31, 2002. However, Congress failed to fix any of the underlying problems plaguing HIPAA MSAs. It simply renamed them "Archer MSAs" in recognition of the role of Rep. Bill Archer (R-Tex.) in enacting them. On February 28 President George W. Bush proposed that MSAs be made permanent and liberalized. The Bush administration's budget plan for fiscal year 2002 would remove HIPAA's cap on the number of MSAs and the restriction related to employer size. All employees and individuals covered by a high-deductible health plan would be eligible for MSAs. The Bush MSA reforms would lower the minimum annual deductible amount eligible for tax advantages as a high-deductible health plan, allow annual MSA contributions up to 100 percent of the applicable maximum deductible, and permit employees and employers to combine their MSA contributions to reach that annual limit. To provide a fairer test of MSAs for all Americans, Congress should peel away the remaining legislative and regulatory restrictions on federally qualified MSAs. Expanding the availability of tax-advantaged MSA plans with high-deductible insurance could allow many Americans to economize on insurance costs, save for future medical and long-term-care expenses, and still remain protected against the risks of catastrophic illness. Potential MSA customers cer-tainly will be interested in purchasing more-flexible and better-structured MSA plans. Full Text of Policy Analysis No. 411 (PDF, pgs, Kb) © 2001 The Cato Institute Please send comments to webmaster   Printer Friendly Version                                                                                                                                                                                                                                                                                                                                                                         May 14, 2002 Poverty and Personal Choice by Doug Bandow [ Archives ] Bush Signs Pork Barrel Farm Bill Pentagon On track to Test Missile Defense Despite Funding Hurdles Supreme Court Upholds Forced Access, Stifles Market Competition [ Archives ] Watch C-SPAN May 17 at 8 p.m. ET for an American Writers series episode on Ayn Rand. May 16, 2002 Bush-Putin Summit: The Future of Arms Control and Missile Defense 11:00 a.m. Cato Policy Forum 1000 Massachusetts Avenue, N.W. Washington D.C. 20001-5403 Phone (202) 842-0200 Fax (202) 842-3490 All Rights Reserved © 2002 Cato Institute

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