Equifax

Finance Blog

Stay financially savvy with the Equifax Advisor.

Sign up for our FREE Monthly Email Newsletter

 

Thank you for signing up for the FREE Equifax monthly newsletter

In addition to keeping in the financial know, you may be interested in checking your credit score and report.

Understand your credit. Help protect your identity.

Equifax Complete™ Premier Plan

  • Know What May Influence Your Credit Score and Be Alerted of Changes
    Credit score monitoring with custom alerts
    Important Disclosure: The Equifax credit score and 3-Bureau credit scores are based on an Equifax credit score model and are not the same scores used by 3rd parties to assess your creditworthiness.¹
  • Help Protect Your Identity
    Automatic fraud alerts encourages lenders to take extra steps to verify your identity²
  • Lock Your Credit
    The ability to lock and unlock your Equifax Credit Report³
Save 75% your first 30 days with the purchase of Equifax Complete™ Premier

$4.95 for the first 30 days, then $19.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds.4

¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.

²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.

4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.

Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.

Women’s Health Insurance Coverage

Written by Linda Rey on November 21, 2011 in Insurance  |   No comments

Women’s health insurance coverage, along with many other women’s issues, can be very complicated. There is good news and there is bad news. Women are lucky because, according to the actuaries at insurance companies, we live longer. Many women may survive their spouses, and many…

women's health insuranceWomen’s health insurance coverage, along with many other women’s issues, can be very complicated. There is good news and there is bad news. Women are lucky because, according to the actuaries at insurance companies, we live longer. Many women may survive their spouses, and many of us could live a long life, but if we don’t take care of ourselves, that life may be in a very unhealthy state.

With some preventative treatment and annual exams, many women’s health problems can be caught before they become serious and lead to large medical bills and debt. I want to encourage all women to discuss with their doctors what changes need to be made in order to have a happier and healthier life expectancy that will minimize healthcare costs.

Health insurance coverage and a woman’s annual exam

If you have health insurance, check with your plan summary to see if your plan allows for a “free” or no co-pay annual exam with your OB/GYN. This encourages women to visit the doctor to check for health issues before they become serious medical problems. I don’t mind saying that an annual exam is absolutely fundamental. A mammogram typically doesn’t carry a co-pay either, so ask your doctor when you should start including one with your annual exam.

Prescription coverage for birth control

Prescription coverage for your health insurance plan can be complicated. There is typically a deductible that goes along with a three-tier benefit plan. With thousands of birth control options available, the most efficient way to check your prescription drug coverage benefit is to see how the options your doctor is prescribing are classified with your insurance carrier. You can contact the carrier or your insurance agent to determine the co-pay costs to you.

Be aware that there are usually different co-pays for generic prescriptions, preferred medications, and formulary medications. This can be more confusing than it needs to be, so I recommend you discuss your prescription options with your doctor. I also recommend you always ask if there is a generic option available.

Medical history and your premium

Some states underwrite your health insurance plan based on your age, gender and health history, while others, including New York, are considered “community rating states” and do not. If you reside in an “underwritten state,” your premium could change at each renewal, based on your current health situation and medical history. However, even those living in community rating states may be subject to prohibitive and exorbitant annual premium increases.

What if you don’t have health insurance coverage?

Open door clinics or open door community health centers help people in need of medical care who do not have adequate health insurance coverage. Organizations like Planned Parenthood also offer health care to women on a sliding income scale. To find a clinic near you, do an Internet search for Planned Parenthood or the Department of Health and Human Services.

READ MORE:
Homeowners Insurance: Someone Gets Hurt On Your Property
Health Insurance Coverage for Infertility Treatments
Buying Life Insurance for Your Kids
Sports Health Insurance for Kids: What Parents Need to Know
New Vs Used Cars: What You Need to Know about Auto Insurance
Your Medical History Can Affect Your Health Insurance Premium

Linda Rey is a licensed insurance agent at Rey Insurance with a broad spectrum of expertise in life, accident, health, property and casualty insurance as well as retirement planning and college funding strategies.

Follow Linda on Twitter.

No comments yet


Leave a Comment


Name :


Commenting guidelines

We welcome your interest and participation on this forum, but be aware that comments will be published at Equifax's sole discretion. Please don't use this blog to submit questions or concerns about your Equifax credit report or raise customer service issues. Instead, you should contact Equifax directly for all such matters and any attempts to do so in this forum will be promptly re-directed.

Some other factors to consider when commenting:
  1. Registration and privacy. While no registration is required to visit our forum, participants wishing to post a message must register by creating an account. All personal information provided by forum members incident to registration is governed by our Terms of Use and Privacy Policy.
  2. All comments are anonymous. We'll delete your name, e-mail address, and any other identifying information, including details about your investments.
  3. We can't post or respond to every comment - As much as we'd like to, we can't post every comment, nor can we guarantee that we will respond to each individual message. All questions or comments about your Equifax credit report or similar customer service issues should be handled by contacting Equifax directly.
  4. Don't offer specific legal, tax or financial advice. All of the materials on this Site are for information, education, and noncommercial purposes only and this forum is not intended as a means of expressing views or ideas regarding any specific legal, tax, or investment advice. While offering general rules of thumb is both permitted and encouraged, recommending specific ideas or strategies regarding investments, taxes, and related matters is prohibited.
  5. Credit Repair. This blog is not intended as a venue for the discussion or exchange of ideas regarding credit repair or other strategies intended to assist visitors and community members improve or otherwise modify their credit histories, ratings or scores.
  6. Stay on topic. Your comment should be concise and pertain to the specific post in question.
  7. Be respectful of the community. The use of profanity, offensive language, spam, and personal attacks will not be tolerated and egregious or repeat offenders will be banned from future participation. We encourage disagreement and healthy debate, but please refrain from personal attacks on our WordPresss and contributors.
  8. Finally: Participation in this forum may be terminated by Equifax immediately and without notice for failure to comply with any guidelines or Terms of Use. As such, you should familiarize yourself with all pertinent requirements prior to submitting any response through the blog or otherwise. All opinions expressed in this forum are solely those of the individual submitting the comment, and don't necessarily represent the views of Equifax or its management.

Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.


Insurance Archive