Health Insurance


Health Insurance Information






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<P>  <script language="JavaScript" src="Script/Ease.js"></script><BR> </HEAD><BR> <body><BR>  <!-- Begin Main Content area--><BR>  <BR>   <table cellSpacing="0" cellPadding="0" width="100%" border="0"><BR>    <tr><BR>     <td vAlign="top"><BR>      <table id="tblTmp" cellSpacing="0" cellPadding="0" border="0"><BR>       <tr><BR>        <td class="IMheadline" vAlign="top" colSpan="3">Health Insurance for Individuals and Families</td><BR>       </tr><BR>       <tr><BR>        <td colSpan="2"><span class="IMheader">It's as Easy as:</span><br><BR>         <a href="YourInfo.aspx" id="ctl00_NoHeaderContentPlaceHolder_A3" style="TEXT-DECORATION: none"><span class="IMheader-blue"><BR>           1. Get a Quote</span>&nbsp;&nbsp; <span class="IMheader-blue"><BR>           2. Compare Plans</span>&nbsp;&nbsp; <span class="IMheader-blue"><BR>           3. Apply</span></a></td><BR>        <td><img src="images/individual-medical.jpg" id="ctl00_NoHeaderContentPlaceHolder_imgWellc" vspace="1" border="2" /></td><BR>       </tr><BR>       <tr><BR>        <td><a href="YourInfo.aspx?Product=I" id="ctl00_NoHeaderContentPlaceHolder_A1" style="TEXT-DECORATION: none"><img src="images/buttons/get-a-health-insurance-quote.gif" id="ctl00_NoHeaderContentPlaceHolder_getQuote" alt="Get a Quote" onmouseover="window.status='Get a Quote';return true;" onmouseout="window.status=''; return true;" /> </a><BR>        </td><BR>        <td vAlign="top" colSpan="2"><BR>         <table id="Table3" cellSpacing="0" cellPadding="0" width="170" border="0"><BR>          <tr><BR>           <td style="HEIGHT: 9px" vAlign="top" width="10" colSpan="2" height="9" rowSpan="2"><img id="ctl00_NoHeaderContentPlaceHolder_imgCurveTopLeft" src="images/curvetop_lft.gif" style="height:10px;width:10px;border-width:0px;" /></td><BR>           <td bgColor="#3175bd" height="1"><img id="ctl00_NoHeaderContentPlaceHolder_imgSpacer1" src="" style="height:1px;width:1px;border-width:0px;" /></td><BR>           <td style="HEIGHT: 9px" vAlign="top" width="10" colSpan="2" height="9" rowSpan="2"><img id="ctl00_NoHeaderContentPlaceHolder_imgCurveTopRight" src="images/curvetop_rght.gif" style="height:10px;width:10px;border-width:0px;" /></td><BR>          </tr><BR>          <tr><BR>           <td style="HEIGHT: 8px" height="8"><img id="ctl00_NoHeaderContentPlaceHolder_imgSpacer2" src="" style="height:1px;width:1px;border-width:0px;" /></td><BR>          </tr><BR>          <tr><BR>           <td width="1" bgColor="#3175bd"><img id="ctl00_NoHeaderContentPlaceHolder_imgSpacer3" src="" style="height:1px;width:1px;border-width:0px;" /></td><BR>           <td width="9">&nbsp;</td><BR>           <td><BR>            <p><span class="svdquotes-box">Already have a quote?</span><br><BR>             <span class="small-text"><BR>              Sign in to continue with your application.</span><br><BR>             <a id="ctl00_NoHeaderContentPlaceHolder_hlSavedQuote" class="nav-tertiary" onmouseover="window.status='View Saved Quotes';return true;" onmouseout="window.status='';return true;" href="Apply/SavedQuotes.aspx">View Saved Quotes</a><a id="ctl00_NoHeaderContentPlaceHolder_hlSavedQuoteImg" onmouseover="window.status='View Saved Quotes';return true;" onmouseout="window.status='';return true;" href="Apply/SavedQuotes.aspx"><img id="ctl00_NoHeaderContentPlaceHolder_imgSavedQuote" src="images/arrow-green-lg-right-reverse.gif" style="height:16px;width:16px;border-width:0px;" /></a></p><BR>           </td><BR>           <td width="9">&nbsp;</td><BR>           <td width="1" bgColor="#3175bd"><img id="ctl00_NoHeaderContentPlaceHolder_imgSpacer4" src="" style="height:1px;width:1px;border-width:0px;" /></td><BR>          </tr><BR>          <tr><BR>           <td colSpan="2" height="10" rowSpan="2"><img id="ctl00_NoHeaderContentPlaceHolder_imgCurveBottomLeft" src="images/curvebottom_lft.gif" style="height:10px;width:10px;border-width:0px;" /></td><BR>           <td height="9"><img id="ctl00_NoHeaderContentPlaceHolder_imgSpacer5" src="" style="height:1px;width:1px;border-width:0px;" /></td><BR>           <td colSpan="2" height="10" rowSpan="2"><img id="ctl00_NoHeaderContentPlaceHolder_imgCurveBottomRight" src="images/curvebottom_rght.gif" style="height:10px;width:10px;border-width:0px;" /></td><BR>          </tr><BR>          <tr><BR>           <td bgColor="#3175bd" height="1"><img id="ctl00_NoHeaderContentPlaceHolder_imgSpacer6" src="" style="height:1px;width:1px;border-width:0px;" /></td><BR>          </tr><BR>         </table><BR>        </td><BR>       </tr><BR>       <tr><BR>        <td colSpan="2"><BR>         <p><b>Assurant Health</b> and your agent make it easy for you to get health insurance the way you want it. You'll get:&nbsp;</p><BR>        </td><BR>       </tr><BR>       <tr><BR>        <td colSpan="3">&nbsp;<br><BR>        </td><BR>       </tr><BR>       <tr><BR>        <td colSpan="3"><BR>         <P><BR>          <ul><BR>                   <li>Many plan and benefit options &#8212; so you can choose what best meets your needs</li><BR>        <li>Easy to understand information &#8212; not &quot;Insurance speak&quot;</li><BR>        <li>An easy way to apply for coverage</li><BR>        <li>Quality health insurance and competitive pricing</li><BR>        <li>The backing of an industry leader with more than 110 years in the business</li><BR></ul><BR>         <P></P><BR>        </td><BR>        <td>&nbsp;</td><BR>       </tr><BR>       <tr><BR>        <td colSpan="3"><BR>         <p><a href="YourInfo.aspx" id="ctl00_NoHeaderContentPlaceHolder_A2"><b></b><u><b>Get a Quote or Apply Online</b></u></a><BR>         </p><BR>        </td><BR>       </tr><BR>       <tr><BR>        <td colSpan="3">&nbsp;</td><BR>       </tr><BR>       <tr><BR>        <td colSpan="3"><BR>         <p>For more information about our health plans for individuals and families please contact <br>your insurance agent, <b>Mike Brady</b>,&nbsp;<b>903-935-0011</b>.&nbsp;<BR>         </p><BR>        </td><BR>       </tr><BR>      </table><BR>      <p><span class="smaller-text"></span></p><BR>     </td><BR>    <tr><BR>     <td align="right"><input type="image" name="ctl00$NoHeaderContentPlaceHolder$CloseButton" id="ctl00_NoHeaderContentPlaceHolder_CloseButton" src="Images/buttons/close-blue.gif" onclick="CloseThisWindow();" style="border-width:0px;" /></td><BR>    </tr><BR>   </table><BR>  <BR> </body><BR></HTML></P>
<P>                        </div></td><BR>      <!-- END COLUMN 2 - CONTENT COLUMN --><BR>      <!-- RIGHT MARGIN --><BR>      <td class="" vAlign="top" width="15" rowSpan="2" height="100%"><img id="ctl00_Image6" title=" " src="images/pixel_trans.gif" style="border-width:0px;height:1px;width:15px;" /></td><BR>     </tr><BR>     <tr><BR>      <!-- COLUMN 1 - FIXED WIDTH --><BR>      <td class="" vAlign="top" width="160"><img id="ctl00_Image7" title=" " src="images/pixel_trans.gif" style="border-width:0px;height:1px;width:160px;" /></td><BR>      <!-- COLUMN 2 - MINIMUM FIXED WIDTH --><BR>      <td class="" vAlign="top" width="100%"><img id="ctl00_Image8" title=" " src="images/pixel_trans.gif" style="border-width:0px;height:1px;width:400px;" /></td><BR>     </tr><BR>    </tbody><BR>   </table><BR>  </td><BR> </tr><BR> <tr><BR>  <td width="100%"><BR><table width="99%" cellpadding="0" cellspacing="0" align=center><BR> <tbody><BR>  <tr><BR>   <td vAlign="bottom"><hr noShade class="gray" size="1"><BR>    <img src="images/pixel_trans.gif" id="image5" height="1" alt="&nbsp;" border="0"><BR>    <span id="ctl00_SubBrand1_SubBrandText" class="subhead">Time Insurance Company</span><BR>    <BR>    </td><BR>  </tr><BR> </tbody><BR></table><BR></td><BR> </tr><BR> <tr><BR>  <td><BR>   <BR><span class=""><!-- START FOOTER TABLE - SSI CANDIDATE --><BR></span><BR><table cellSpacing="0" cellPadding="0" width="99%" border="0" align="center" summary="Table used for layout."><BR> <tbody><BR>  <tr><BR>   <!-- LEFT MARGIN --><BR>   <!-- HORIZONTAL RULE --><BR>   <td colspan="2" class=""><BR>    <hr noShade class="gray" size="1"><BR>   </td><BR>   <!-- RIGHT MARGIN --><BR>  </tr><BR>  <tr><BR>   <td><img src="../images/pixel_trans.gif" width="5" height="1" alt="&nbsp;"></td><BR>   <td valign="top" class="footer "><BR>    © 2005 - 2009 Assurant, Inc. All rights reserved. <b>Assurant Health is the brand name used for products underwritten and issued by Time Insurance Company, Milwaukee, WI.</b> California license number 08109 (Time Insurance Company).<a href="<A href="http://www.assuranthealth.com/corp/ah/aboutassuranthealth/legalnotice">http://www.assuranthealth.com/corp/ah/aboutassuranthealth/legalnotice</A>" target="_blank"><BR>     Legal Notice</a> | <a href="<A href="http://www.assuranthealth.com/corp/ah/aboutassuranthealth/privacypolicy">http://www.assuranthealth.com/corp/ah/aboutassuranthealth/privacypolicy</A>" target="_blank"><BR>     Privacy Policy</a> | <BR>    <a id="ctl00_UscFooter2_FeedbackLink" class="nav-utility" href="javascript: var newWin = window.open('http://ccc01.opinionlab.com/o.asp?id=jFivflje&amp;custom_var=AgentLinkingProvideFeedback|Application1|AGT-LNK00026418000001','Feedback','height=500,width=600,left=225,top=125,<BR>  scrollbars=Yes,menubar=No,status=No,toolbar=No,resizable=Yes'); newWin.focus()">Provide Feedback</a><BR>   </td><BR>   <td align="right" valign="top" class=""><BR>    <!--PLACEHOLDER COLUMN FOR SUB-BRANDED LOGO--><BR>   </td><BR>  </tr><BR> </tbody><BR></table><BR><span class=""><!-- END FOOTER TABLE --><BR></span></P>
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<P>            for (var i=0;i<aCrumb.length;i++){</P>
<P>                        if (crumb==aCrumb[0]){</P>
<P>                                    return aCrumb[1];</P>
<P>                        }</P>
<P>            }</P>
<P>            return null;</P>
<P>}</P>
<P>function dcsFPC(offset){</P>
<P>            if (typeof(offset)=="undefined"){</P>
<P>                        return;</P>
<P>            }</P>
<P>            if (document.cookie.indexOf("WTLOPTOUT=")!=-1){</P>
<P>                        return;</P>
<P>            }</P>
<P>            var name=dcsInit.fpc;</P>
<P>            var dCur=new Date();</P>
<P>            var adj=(dCur.getTimezoneOffset()*60000)+(offset*3600000);</P>
<P>            dCur.setTime(dCur.getTime()+adj);</P>
<P>            var dExp=new Date(dCur.getTime()+315360000000);</P>
<P>            var dSes=new Date(dCur.getTime());</P>
<P>            WT.co_f=WT.vt_sid=WT.vt_f=WT.vt_f_a=WT.vt_f_s=WT.vt_f_d=WT.vt_f_tlh=WT.vt_f_tlv="";</P>
<P>            if (document.cookie.indexOf(name+"=")==-1){</P>
<P>                        if ((typeof(gWtId)!="undefined")&&(gWtId!="")){</P>
<P>                                    WT.co_f=gWtId;</P>
<P>                        }</P>
<P>                        else if ((typeof(gTempWtId)!="undefined")&&(gTempWtId!="")){</P>
<P>                                    WT.co_f=gTempWtId;</P>
<P>                                    WT.vt_f="1";</P>
<P>                        }</P>
<P>                        else{</P>
<P>                                    WT.co_f="2";</P>
<P>                                    var cur=dCur.getTime().toString();</P>
<P>                                    for (var i=2;i<=(32-cur.length);i++){</P>
<P>                                                WT.co_f+=Math.floor(Math.random()*16.0).toString(16);</P>
<P>                                    }</P>
<P>                                    WT.co_f+=cur;</P>
<P>                                    WT.vt_f="1";</P>
<P>                        }</P>
<P>                        if (typeof(gWtAccountRollup)=="undefined"){</P>
<P>                                    WT.vt_f_a="1";</P>
<P>                        }</P>
<P>                        WT.vt_f_s=WT.vt_f_d="1";</P>
<P>                        WT.vt_f_tlh=WT.vt_f_tlv="0";</P>
<P>            }</P>
<P>            else{</P>
<P>                        var c=dcsGetCookie(name);</P>
<P>                        var id=dcsGetIdCrumb(c,"id");</P>
<P>                        var lv=parseInt(dcsGetCrumb(c,"lv"));</P>
<P>                        var ss=parseInt(dcsGetCrumb(c,"ss"));</P>
<P>                        if ((id==null)||(id=="null")||isNaN(lv)||isNaN(ss)){</P>
<P>                                    return;</P>
<P>                        }</P>
<P>                        WT.co_f=id;</P>
<P>                        var dLst=new Date(lv);</P>
<P>                        WT.vt_f_tlh=Math.floor((dLst.getTime()-adj)/1000);</P>
<P>                        dSes.setTime(ss);</P>
<P>                        if ((dCur.getTime()>(dLst.getTime()+1800000))||(dCur.getTime()>(dSes.getTime()+28800000))){</P>
<P>                                    WT.vt_f_tlv=Math.floor((dSes.getTime()-adj)/1000);</P>
<P>                                    dSes.setTime(dCur.getTime());</P>
<P>                                    WT.vt_f_s="1";</P>
<P>                        }</P>
<P>                        if ((dCur.getDay()!=dLst.getDay())||(dCur.getMonth()!=dLst.getMonth())||(dCur.getYear()!=dLst.getYear())){</P>
<P>                                    WT.vt_f_d="1";</P>
<P>                        }</P>
<P>            }</P>
<P>            WT.co_f=escape(WT.co_f);</P>
<P>            WT.vt_sid=WT.co_f+"."+(dSes.getTime()-adj);</P>
<P>            var expiry="; expires="+dExp.toGMTString();</P>
<P>            document.cookie=name+"="+"id="+WT.co_f+":lv="+dCur.getTime().toString()+":ss="+dSes.getTime().toString()+expiry+"; path=/"+(((dcsInit.fpcdom!=""))?("; domain="+dcsInit.fpcdom):(""));</P>
<P>            if (document.cookie.indexOf(name+"=")==-1){</P>
<P>                        WT.co_f=WT.vt_sid=WT.vt_f_s=WT.vt_f_d=WT.vt_f_tlh=WT.vt_f_tlv="";</P>
<P>                        WT.vt_f=WT.vt_f_a="2";</P>
<P>            }</P>
<P>}</P>
<P>function dcsIsOnsite(host){</P>
<P>            var doms="eassuranthealth.com";</P>
<P>            var aDoms=doms.split(',');</P>
<P>            for (var i=0;i<aDoms.length;i++){</P>
<P>                        if (host.indexOf(aDoms[i])!=-1){</P>
<P>                                    return 1;</P>
<P>                        }</P>
<P>            }</P>
<P>            return 0;</P>
<P>}</P>
<P>function dcsTypeMatch(pth, typelist){</P>
<P>            var type=pth.substring(pth.lastIndexOf(".")+1,pth.length);</P>
<P>            var types=typelist.split(",");</P>
<P>            for (var i=0;i<types.length;i++){</P>
<P>                        if (type==types[i]){</P>
<P>                                    return true;</P>
<P>                        }</P>
<P>            }</P>
<P>            return false;</P>
<P>}</P>
<P>function dcsEvt(evt,tag){</P>
<P>            var e=evt.target||evt.srcElement;</P>
<P>            while (e.tagName&&(e.tagName!=tag)){</P>
<P>                        e=e.parentElement||e.parentNode;</P>
<P>            }</P>
<P>            return e;</P>
<P>}</P>
<P>function dcsNavigation(evt){</P>
<P>            var e=dcsEvt(evt,"DIV");</P>
<P>            var id=e.getAttribute?e.getAttribute("id"):"";</P>
<P>            var cname=e.className||"";</P>
<P>            return id?id:cname;</P>
<P>}</P>
<P>function dcsBind(event,func){</P>
<P>            if ((typeof(window[func])=="function")&&document.body){</P>
<P>                        if (document.body.addEventListener){</P>
<P>                                    document.body.addEventListener(event, window[func], true);</P>
<P>                        }</P>
<P>                        else if(document.body.attachEvent){</P>
<P>                                    document.body.attachEvent("on"+event, window[func]);</P>
<P>                        }</P>
<P>            }</P>
<P>}</P>
<P>function dcsET(){</P>
<P>            var e=(navigator.appVersion.indexOf("MSIE")!=-1)?"click":"mousedown";</P>
<P>            dcsBind(e,"dcsDownload");</P>
<P>            dcsBind(e,"dcsDynamic");</P>
<P>            dcsBind(e,"dcsFormButton");</P>
<P>            dcsBind(e,"dcsOffsite");</P>
<P>            dcsBind(e,"dcsAnchor");</P>
<P>            dcsBind("contextmenu","dcsRightClick");</P>
<P>            dcsBind(e,"dcsImageMap");</P>
<P>}</P>
<P>function dcsMultiTrack(){</P>
<P>            if (arguments.length%2==0){</P>
<P>                        for (var i=0;i<arguments.length;i+=2){</P>
<P>                                    if (arguments[i].indexOf('WT.')==0){</P>
<P>                                                WT[arguments[i].substring(3)]=arguments[i+1];</P>
<P>                                    }</P>
<P>                                    else if (arguments[i].indexOf('DCS.')==0){</P>
<P>                                                DCS[arguments[i].substring(4)]=arguments[i+1];</P>
<P>                                    }</P>
<P>                                    else if (arguments[i].indexOf('DCSext.')==0){</P>
<P>                                                DCSext[arguments[i].substring(7)]=arguments[i+1];</P>
<P>                                    }</P>
<P>                        }</P>
<P>                        var dCurrent=new Date();</P>
<P>                        DCS.dcsdat=dCurrent.getTime();</P>
<P>                        dcsFunc("dcsCookie");</P>
<P>                        dcsTag();</P>
<P>            }</P>
<P>}</P>
<P> </P>
<P>// Add event handlers here</P>
<P> </P>
<P>// Code section for Track clicks to download links.</P>
<P>function dcsDownload(evt){</P>
<P>            evt=evt||(window.event||"");</P>
<P>            if (evt&&((typeof(evt.which)!="number")||(evt.which==1))){</P>
<P>                        var e=dcsEvt(evt,"A");</P>
<P>                        if (e.hostname&&dcsIsOnsite(e.hostname)){</P>
<P>                                    var types="xls,doc,pdf,txt,csv,zip";</P>
<P>                                    if (dcsTypeMatch(e.pathname,types)){</P>
<P>                                                var qry=e.search?e.search.substring(e.search.indexOf("?")+1,e.search.length):"";</P>
<P>                                                var pth=e.pathname?((e.pathname.indexOf("/")!=0)?"/"+e.pathname:e.pathname):"/";</P>
<P>                                                var ttl="";</P>
<P>                                                var text=document.all?e.innerText:e.text;</P>
<P>                                                var img=dcsEvt(evt,"IMG");</P>
<P>                                                if (img.alt){</P>
<P>                                                            ttl=img.alt;</P>
<P>                                                }</P>
<P>                                                else if (text){</P>
<P>                                                            ttl=text;</P>
<P>                                                }</P>
<P>                                                else if (e.innerHTML){</P>
<P>                                                            ttl=e.innerHTML;</P>
<P>                                                }</P>
<P>                                                dcsMultiTrack("DCS.dcssip",e.hostname,"DCS.dcsuri",pth,"DCS.dcsqry",e.search||"","WT.ti","Download:"+ttl,"WT.dl","20","WT.nv",dcsNavigation(evt));</P>
<P>                                                DCS.dcssip=DCS.dcsuri=DCS.dcsqry=WT.ti=WT.dl=WT.nv="";</P>
<P>                                    }</P>
<P>                        }</P>
<P>            }</P>
<P>}</P>
<P>// Code section for Track clicks to links leading offsite.</P>
<P>function dcsOffsite(evt){</P>
<P>            evt=evt||(window.event||"");</P>
<P>            if (evt&&((typeof(evt.which)!="number")||(evt.which==1))){</P>
<P>                        var e=dcsEvt(evt,"A");</P>
<P>                        if (e.hostname&&!dcsIsOnsite(e.hostname)){</P>
<P>                                    var qry=e.search?e.search.substring(e.search.indexOf("?")+1,e.search.length):"";</P>
<P>                                    var pth=e.pathname?((e.pathname.indexOf("/")!=0)?"/"+e.pathname:e.pathname):"/";</P>
<P>                                    var trim=true;</P>
<P>                                    dcsMultiTrack("DCS.dcssip",e.hostname,"DCS.dcsuri",pth,"DCS.dcsqry",trim?"":qry,"WT.ti","Offsite:"+e.hostname+pth+qry,"WT.dl","24","WT.nv",dcsNavigation(evt));</P>
<P>                                    DCS.dcssip=DCS.dcsuri=DCS.dcsqry=WT.ti=WT.dl=WT.nv="";</P>
<P>                        }</P>
<P>            }</P>
<P>}</P>
<P>function dcsAdv(){</P>
<P>            if (dcsInit.trackevents){</P>
<P>                        dcsFunc("dcsET");</P>
<P>            }</P>
<P>            dcsFunc("dcsCookie");</P>
<P>            dcsFunc("dcsAdSearch");</P>
<P>            dcsFunc("dcsTP");</P>
<P>            dcsFunc("dcsMetaCap");</P>
<P>}</P>
<P> </P>
<P>// Add customizations here</P>
<P> </P>
<P>function dcsVar(){</P>
<P>            var dCurrent=new Date();</P>
<P>            WT.tz=dCurrent.getTimezoneOffset()/60*-1;</P>
<P>            if (WT.tz==0){</P>
<P>                        WT.tz="0";</P>
<P>            }</P>
<P>            WT.bh=dCurrent.getHours();</P>
<P>            WT.ul=navigator.appName=="Netscape"?navigator.language:navigator.userLanguage;</P>
<P>            if (typeof(screen)=="object"){</P>
<P>                        WT.cd=navigator.appName=="Netscape"?screen.pixelDepth:screen.colorDepth;</P>
<P>                        WT.sr=screen.width+"x"+screen.height;</P>
<P>            }</P>
<P>            if (typeof(navigator.javaEnabled())=="boolean"){</P>
<P>                        WT.jo=navigator.javaEnabled()?"Yes":"No";</P>
<P>            }</P>
<P>            if (document.title){</P>
<P>                        WT.ti=document.title;</P>
<P>            }</P>
<P>            WT.js="Yes";</P>
<P>            WT.jv=dcsJV();</P>
<P>            if (document.body&&document.body.addBehavior){</P>
<P>                        document.body.addBehavior("#default#clientCaps");</P>
<P>                        WT.ct=document.body.connectionType||"unknown";</P>
<P>                        document.body.addBehavior("#default#homePage");</P>
<P>                        WT.hp=document.body.isHomePage(location.href)?"1":"0";</P>
<P>            }</P>
<P>            else{</P>
<P>                        WT.ct="unknown";</P>
<P>            }</P>
<P>            if (parseInt(navigator.appVersion)>3){</P>
<P>                        if ((navigator.appName=="Microsoft Internet Explorer")&&document.body){</P>
<P>                                    WT.bs=document.body.offsetWidth+"x"+document.body.offsetHeight;</P>
<P>                        }</P>
<P>                        else if (navigator.appName=="Netscape"){</P>
<P>                                    WT.bs=window.innerWidth+"x"+window.innerHeight;</P>
<P>                        }</P>
<P>            }</P>
<P>            WT.fi="No";</P>
<P>            if (window.ActiveXObject){</P>
<P>                        for(var i=10;i>0;i--){</P>
<P>                                    try{</P>
<P>                                                var flash = new ActiveXObject("ShockwaveFlash.ShockwaveFlash."+i);</P>
<P>                                                WT.fi="Yes";</P>
<P>                                                WT.fv=i+".0";</P>
<P>                                                break;</P>
<P>                                    }</P>
<P>                                    catch(e){</P>
<P>                                    }</P>
<P>                        }</P>
<P>            }</P>
<P>            else if (navigator.plugins&&navigator.plugins.length){</P>
<P>                        for (var i=0;i<navigator.plugins.length;i++){</P>
<P>                                    if (navigator.plugins[i].name.indexOf('Shockwave Flash')!=-1){</P>
<P>                                                WT.fi="Yes";</P>
<P>                                                WT.fv=navigator.plugins[i].description.split(" ")[2];</P>
<P>                                                break;</P>
<P>                                    }</P>
<P>                        }</P>
<P>            }</P>
<P>            if (dcsInit.i18n){</P>
<P>                        WT.em=(typeof(encodeURIComponent)=="function")?"uri":"esc";</P>
<P>                        if (typeof(document.defaultCharset)=="string"){</P>
<P>                                    WT.le=document.defaultCharset;</P>
<P>                        } </P>
<P>                        else if (typeof(document.characterSet)=="string"){</P>
<P>                                    WT.le=document.characterSet;</P>
<P>                        }</P>
<P>            }</P>
<P>            WT.tv="1.0.7";</P>
<P>//          WT.sp="@@SPLITVALUE@@";</P>
<P>            WT.dl=0;</P>
<P>            DCS.dcsdat=dCurrent.getTime();</P>
<P>            DCS.dcssip=window.location.hostname;</P>
<P>            DCS.dcsuri=window.location.pathname;</P>
<P>            WT.es=DCS.dcssip+DCS.dcsuri;</P>
<P>            if (window.location.search){</P>
<P>                        DCS.dcsqry=window.location.search;</P>
<P>                        if (dcsInit.qp.length>0){</P>
<P>                                    for (var i=0;i<dcsInit.qp.length;i++){</P>
<P>                                                var pos=DCS.dcsqry.indexOf(dcsInit.qp[i]);</P>
<P>                                                if (pos!=-1){</P>
<P>                                                            var front=DCS.dcsqry.substring(0,pos);</P>
<P>                                                            var end=DCS.dcsqry.substring(pos+dcsInit.qp[i].length,DCS.dcsqry.length);</P>
<P>                                                            DCS.dcsqry=front+end;</P>
<P>                                                }</P>
<P>                                    }</P>
<P>                        }</P>
<P>            }</P>
<P>            if ((window.document.referrer!="")&&(window.document.referrer!="-")){</P>
<P>                        if (!(navigator.appName=="Microsoft Internet Explorer"&&parseInt(navigator.appVersion)<4)){</P>
<P>                                    DCS.dcsref=window.document.referrer;</P>
<P>                        }</P>
<P>            }</P>
<P>}</P>
<P>function dcsA(N,V){</P>
<P>            if (dcsInit.i18n&&(dcsInit.exre!="")&&!dcsInit.exre.test(N)){</P>
<P>                        if (N=="dcsqry"){</P>
<P>                                    var newV="";</P>
<P>                                    var params=V.substring(1).split("&");</P>
<P>                                    for (var i=0;i<params.length;i++){</P>
<P>                                                var pair=params[i];</P>
<P>                                                var pos=pair.indexOf("=");</P>
<P>                                                if (pos!=-1){</P>
<P>                                                            var key=pair.substring(0,pos);</P>
<P>                                                            var val=pair.substring(pos+1);</P>
<P>                                                            if (i!=0){</P>
<P>                                                                        newV+="&";</P>
<P>                                                            }</P>
<P>                                                            newV+=key+"="+dcsEncode(val);</P>
<P>                                                }</P>
<P>                                    }</P>
<P>                                    V=V.substring(0,1)+newV;</P>
<P>                        }</P>
<P>                        else{</P>
<P>                                    V=dcsEncode(V);</P>
<P>                        }</P>
<P>            }</P>
<P>            return "&"+N+"="+dcsEscape(V, dcsInit.re);</P>
<P>}</P>
<P>function dcsEscape(S, REL){</P>
<P>            if (REL!=""){</P>
<P>                        var retStr = new String(S);</P>
<P>                        for (var R in REL){</P>
<P>                                    retStr = retStr.replace(REL[R],R);</P>
<P>                        }</P>
<P>                        return retStr;</P>
<P>            }</P>
<P>            else{</P>
<P>                        return escape(S);</P>
<P>            }</P>
<P>}</P>
<P>function dcsEncode(S){</P>
<P>            return (typeof(encodeURIComponent)=="function")?encodeURIComponent(S):escape(S);</P>
<P>}</P>
<P>function dcsCreateImage(dcsSrc){</P>
<P>            if (document.images){</P>
<P>                        dcsInit.images[dcsInit.index]=new Image;</P>
<P>                        dcsInit.images[dcsInit.index].src=dcsSrc;</P>
<P>                        dcsInit.index++;</P>
<P>            }</P>
<P>            else{</P>
<P>                        document.write('<IMG ALT="" BORDER="0" NAME="DCSIMG" WIDTH="1" HEIGHT="1" SRC="'+dcsSrc+'">');</P>
<P>            }</P>
<P>}</P>
<P>function dcsMeta(){</P>
<P>            var elems;</P>
<P>            if (document.all){</P>
<P>                        elems=document.all.tags("meta");</P>
<P>            }</P>
<P>            else if (document.documentElement){</P>
<P>                        elems=document.getElementsByTagName("meta");</P>
<P>            }</P>
<P>            if (typeof(elems)!="undefined"){</P>
<P>                        var length=elems.length;</P>
<P>                        for (var i=0;i<length;i++){</P>
<P>                                    var name=elems.item(i).name;</P>
<P>                                    var content=elems.item(i).content;</P>
<P>                                    var equiv=elems.item(i).httpEquiv;</P>
<P>                                    if (name.length>0){</P>
<P>                                                if (name.indexOf("WT.")==0){</P>
<P>                                                            WT[name.substring(3)]=content;</P>
<P>                                                }</P>
<P>                                                else if (name.indexOf("DCSext.")==0){</P>
<P>                                                            DCSext[name.substring(7)]=content;</P>
<P>                                                }</P>
<P>                                                else if (name.indexOf("DCS.")==0){</P>
<P>                                                            DCS[name.substring(4)]=content;</P>
<P>                                                }</P>
<P>                                    }</P>
<P>                                    else if (dcsInit.i18n&&(equiv=="Content-Type")){</P>
<P>                                                var pos=content.toLowerCase().indexOf("charset=");</P>
<P>                                                if (pos!=-1){</P>
<P>                                                            WT.mle=content.substring(pos+8);</P>
<P>                                                }</P>
<P>                                    }</P>
<P>                        }</P>
<P>            }</P>
<P>}</P>
<P>function dcsTag(){</P>
<P>            if (document.cookie.indexOf("WTLOPTOUT=")!=-1){</P>
<P>                        return;</P>
<P>            }</P>
<P>            var P="http"+(window.location.protocol.indexOf('https:')==0?'s':'')+"://"+dcsInit.domain+(dcsInit.dcsid==""?'':'/'+dcsInit.dcsid)+"/dcs.gif?";</P>
<P>            for (var N in DCS){</P>
<P>                        if (DCS[N]){</P>
<P>                                    P+=dcsA(N,DCS[N]);</P>
<P>                        }</P>
<P>            }</P>
<P>            var keys=["co_f","vt_sid","vt_f_tlv"];</P>
<P>            for (var i=0;i<keys.length;i++){</P>
<P>                        var key=keys[i];</P>
<P>                        if (WT[key]){</P>
<P>                                    P+=dcsA("WT."+key,WT[key]);</P>
<P>                                    delete WT[key];</P>
<P>                        }</P>
<P>            }</P>
<P>            for (N in WT){</P>
<P>                        if (WT[N]){</P>
<P>                                    P+=dcsA("WT."+N,WT[N]);</P>
<P>                        }</P>
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<P>  </td><BR> </tr><BR></table></P>
<P>  <BR>    </form><BR></body><BR></html></P>What kinds of health insurance are there?

There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage.

  1. Fee-for-Service
    These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
     
  2. Managed Care
    More than half of all Americans have some kind of managed-care plan. Various plans work differently and can include: health maintenance organizations (HM0s), preferred provider organizations (PPOs) and point-of-service (POS) plans. These plans provide comprehensive health services to their members and offer financial incentives to patients who use the providers in the plan.

What is 'long-term care'?
Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.”

Long-term care isn’t a very helpful name for this type of situation because, for one thing, it might not last for a long time. Some people who need ADL services might need them only for a few months or less.

Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home.

Assistance with ADLs, called “custodial care,” may be provided in the same place as (and therefore is sometimes confused with) “skilled care.” Skilled care means medical, nursing, or rehabilitative services, including help taking medicine, undergoing testing (e.g. blood pressure), or other similar services. This distinction is important because Medicare and most private health insurance pays only for skilled care–not custodial care.

What are the types of disability insurance?
There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):

  1. Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.
     
  2. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life.

Disability policies have two different protection features that are important to understand.

  1. Non-cancelable means the policy cannot be canceled by the insurance company, except for nonpayment of premiums. This gives you the right to renew the policy every year without an increase in the premium or a reduction in benefits.
     
  2. Guaranteed renewable gives you the right to renew the policy with the same benefits and not have the policy canceled by the company. However, your insurer has the right to increase your premiums as long as it does so for all other policyholders in the same rating class as you.

In addition to the traditional disability policies, there are several options you should consider when purchasing a policy:

  • Additional purchase options
    Your insurance company gives you the right to buy additional insurance at a later time.
     
  • Coordination of benefits
    The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies.
     
  • Cost of living adjustment (COLA)
    The COLA increases your disability benefits over time based on the increased cost of living measured by the Consumer Price Index. You will pay a higher premium if you select the COLA.
     
  • Residual or partial disability rider
    This provision allows you to return to work part-time, collect part of your salary and receive a partial disability payment if you are still partially disabled.
     
  • Return of premium
    This provision requires the insurance company to refund part of your premium if no claims are made for a specific period of time declared in the policy.
     
  • Waiver of premium provision
    This clause means that you do not have to pay premiums on the policy after you’re disabled for 90 days.