Posts tagged ‘health insurance’

Your guide to find insurance for babies

There are several tips that a parent can use in order to find health insurance for babies and children. The first tip is to enroll the baby into a plan that one of the parents’ employers sponsors. This is probably going to be the best option that the parents are going to be able to do to ensure that their baby has health insurance. This is because this type of health insurance is going to pay for the baby’s checkups, well baby visits, and immunizations. Of course, this means that the parents’ premium is going to go up a little bit but it is going to be well worth it in the long run. Therefore, the parent is going to need to get in contact with their human resources department before the baby is born to enroll the baby.

The second tip is to enroll the baby into a plan that one of the parents might have on themselves. Most of the time, this type of health insurance plan is only going to cover the basic services and a few types of preventive car services at no cost of the insurer. The best way to do this is to just call your local agent where you already have the health insurance with and add a dependent to your policy. Of course, this is going to make the policy rate go up a little bit. It is very important that the parent is able to do this within thirty days on the birth of the baby. If they do not do this, then the insurance company will not be able to insure the baby under their parents policy.

The third tip is to enroll the baby into an individual plan that is just for a child. This health insurance policy is going to be good until the child is eighteen years old. Plus if the child has some type of medical issue, then they will still be able to get health insurance under this type of plan. The problem that a parent might run into is that most states do not have a child only health insurance plan. But if your state does not have it, then it is very important to do plenty of research on the time limit that the parent is going to have to sign their child up for the individual child health insurance plan. Most of the time, a parent can get all of this information from their local health department.

The fourth tip is to enroll the baby into a health insurance program that your state is going to sponsor. This is one of the last options that a parent is going to want to choice, but it could be the only option that the parent has to just from. This is especially true if the parent cannot afford to pay for the health insurance for babies and children on their own. This type of health insurance just means that the government is going to be paying for your child’s health insurance plan. Most of the time, this type of health insurance is going to be Medicaid but there are some states that are going to have a different option for the parents of a newborn baby.

These are the top four tips to find insurance for your baby.

Improve Your Life by Nailing a Job Interview

With the economy being in the pits, it can be/is frustrating to find a job even to apply for. There have been positive rumblings that the economy is turning around. Need proof? More companies are hiring this January than in recent years. Hiring has to mean to economy is on the up, right?

If you are lucky enough to score an interview, here are ways to make sure that you snag the job.

  • Don not ask about benefits upfront. You should spend your interview convincing the interviewer that you deserve the job. By bringing up the option for benefits (health insurance, 401K, paid time off) it can make the interviewer feel like you are only there for the perks. Save the questions about benefits for your second interview or when you are offered the job.
  • Dress the part. Looks are not everything, but sure mean a lot. Find out what the dress code is and dress one step higher. Know that they work in t-shirts and jeans? Wear nice slacks and a button up to show that you put effort into getting ready. Otherwise you will look like a slob. Dressing the part does not mean you have to shell out a fortune for high end clothes. Wear clothes that are clean, pressed and conservative. You want your qualifications and personality to shine through, not your clothes.
  • What you don’t say is almost as important as what you say. Practice your nonverbal communication. Find that you fidget with your hair? Pin it back so you will not be tempted to fidget which shows a lack of confidence. Good posture and attentiveness shows you are interested in the conversation. Develop a good handshake. Your handshake should not be the claws of death, but should be firm and short.  And please, whatever you do, do not smack or even chew gum during an interview.
  • Don’t stick your foot in your mouth. Reporters and interviewers have a trick: once the interviewee finishes answering a question, he will pause before asking the next one. This will make the interviewee feel like there is more that he is expected to say and will keep talking- usually saying more than he should. Do not fall into this trap. Say what you are going to say, say it eloquently and smile when you are done. Like the famous saying by Abraham Lincoln goes, ” It is better to remain silent and be thought a fool than to open one’s mouth and remove all doubt.”
  • Do not trash talk anyone. Interviewers love asking what you did not like at another job. Saying you loved everything makes you a liar, but trashing your former workplace is much, much worse. Never say bad things about a former employer or company. If you are asked this mean questions, be short and only answer about a duty you didn’t enjoy (like cleaning the bathroom).
  • Relax. Interviewing is stressful for all parties. Relax and knock them out. If you are the right fit, you will get the job.

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