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Home Blog Page 25

The Hidden Risks Without Non-Trucking Liability Insurance

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17 October 2024

The Hidden Risks Without Non-Trucking Liability Insurance

Running a trucking business isn’t easy, and every decision made impacts not only your fleet but your financial stability too. If you’re a trucking business owner or a driver, you’ve probably taken all the necessary steps to protect your vehicles when they’re on the road. But what about when they’re off-duty? Non-trucking liability insurance may seem like just another expense, but it’s crucial for covering those unexpected moments when your trucks aren’t actively transporting goods. It’s about protecting your livelihood even when your truck is not on a job.

Covering the Unseen Gaps with Non-Trucking Liability Insurance

Picture this: A driver finishes his delivery, parks his semi-truck, and decides to run a personal errand. On the way, an accident happens—maybe it’s a fender bender, or perhaps it’s more serious. If he doesn’t have non-trucking liability insurance, the business could face unexpected costs, putting a dent in finances and leaving the business owner struggling to cover the expenses. Without this coverage, accidents during these off-duty moments can become costly problems that put stress on your operations and your drivers.

Solutions in Action: How to Protect Your Fleet with Non-Trucking Liability Insurance

The good news is, you can protect yourself from these risks, and it’s simpler than you might think. Here’s how:

Get Non-Trucking Liability Insurance: This coverage is designed specifically for those moments when your trucks are off-duty. It covers accidents that occur when your truck is being used for personal reasons, ensuring you won’t face unexpected bills.
Add Additional Protection: It’s wise to consider other insurance options like cargo insurance. Knowing the cargo insurance cost and having this coverage ensures that, in case of accidents or damage while your truck is on the road, your goods are protected. This adds another layer of security to your operations.
Use Technology for Safety: Implement commercial truck camera systems to monitor driver behavior and maintain fleet safety. These systems not only help during active deliveries but also when trucks are parked or being used for personal errands. They offer valuable evidence if incidents occur, helping to support your insurance claims.
Prioritize Regular Maintenance: Following a semi truck preventive maintenance checklist helps reduce the chances of breakdowns or accidents, whether on-duty or off-duty. It keeps your trucks in peak condition and ensures any risks are minimized.
Stay Informed About Costs: Understanding your semi truck insurance cost per month gives you a clear picture of your business expenses. Keeping these numbers in check allows you to plan for comprehensive coverage, including non-trucking liability, without breaking your budget.

Frequently Asked Questions: Clearing Up Misconceptions

What exactly does non-trucking liability insurance cover?
Non-trucking liability insurance covers your vehicle when it’s being used for non-business purposes, like personal errands. It does not cover cargo or damages while the truck is being dispatched.
Is non-trucking liability insurance mandatory?
While it may not be legally required, many trucking businesses and drivers find it invaluable as it protects them from costs not covered by primary liability insurance when off-duty.
How much does non-trucking liability insurance typically cost?
The cost can vary based on factors like your truck’s usage, location, and your overall insurance plan. It’s best to contact your provider for a quote tailored to your business needs.
Will having non-trucking liability insurance impact my semi truck insurance cost per month?
Not directly. However, bundling coverages can sometimes lead to discounts. It’s worth discussing options with your insurance provider.

Your Next Move: Ensuring Your Fleet’s Safety Off the Clock

Running a trucking business means planning for the unexpected—both on and off the road. Have you considered how non-trucking liability insurance could be the next step in securing your fleet’s future? Don’t wait until it’s too late to cover those gaps.

If you’re ready to learn more about how this coverage can fit into your overall insurance plan, reach out to InsuranceHub. We’re here to guide you every step of the way, ensuring that your business stays protected no matter what.

The Hidden Risks Without Non-Trucking Liability Insurance

October is National Dental Hygiene Month

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17 October 2024

October is National Dental Hygiene Month

October is National Dental Hygiene Month. This month is dedicated to raising awareness about the importance of maintaining good oral health and the impact it has on overall wellbeing. The mouth is often referred to as the gateway to the body because it serves as an entry point for your digestive and respiratory systems. This means that the health of your mouth can significantly influence the health of your entire body.

Typically, the body’s natural defenses and proper oral health care, such as regular brushing, flossing, and dental check-ups, can help keep bacteria in check. However, neglecting oral hygiene can lead to the buildup of harmful bacteria, which can cause infections and diseases not only in the mouth but also in other parts of the body. For instance, poor oral health has been linked to conditions such as heart disease, diabetes, and respiratory infections. Therefore, it is crucial to prioritize dental hygiene to maintain both oral and overall health.

To delve deeper into this topic, watch this month’s Taylor Talks video, where we discuss the four steps to proper oral brushing and maintaining good oral hygiene.

Watch this month’s video here.

Reach out to our experienced Strategic Wellbeing Consultant, Taylor Hahn, to discuss the next steps. Many of our other employer groups have found this approach to be incredibly successful.

Continue

What You Need to Know

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17 October 2024

With the arrival of early spring, hail season is upon us, bringing the potential for costly property damage. According to recent reports, hail is responsible for some of the most frequent and expensive insurance claims in the U.S. In 2022 alone, hail caused over $3.5 billion in insured losses, with more than 6,900 hail events reported across the country. States like North Carolina, Wisconsin, and Virginia, are among the hardest hit, frequently making the list of the top regions with hail claims.

Hail, which forms during severe thunderstorms, can vary in size from small pea-sized pellets to large ice chunks. The largest recorded hailstone in the U.S. weighed 1.67 pounds and measured 17.5 inches in circumference, causing severe damage to roofs, windows, siding, and other property. Here’s how hail can impact your home and what factors contribute to the extent of the damage.

Common Types of Hail Damage to Your Home

Your roof is typically the most vulnerable part of your home during a hailstorm, but other parts of your property can also be affected:

Roof Damage: Large hailstones can cause significant damage to roofing materials, especially if they are aged or of lower quality.
Windows and Siding: Hail can crack or shatter windows and dent or crack siding materials.
Decks and Landscaping: Wooden structures and plants can be damaged by large hail, leaving marks or structural issues.
Gutters and HVAC Equipment: Hail can dent or break gutters, downspouts, and outdoor HVAC units.

Why Some Homes Experience Hail Damage and Others Don’t

Not every home in the path of a hailstorm experiences the same level of damage. Several factors explain why one house might be significantly damaged while a neighboring property remains unscathed:

Roof Slope and Direction: Roof slopes that directly face the storm are more likely to experience hail damage than those with less direct exposure.
Shingle Quality: Newer, heavier shingles tend to withstand hail better than older, lighter ones that are already deteriorating.
Natural Barriers: Trees and other natural obstacles can protect a home by absorbing or deflecting hailstones before they strike the roof.

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Verifying Hail Damage

It’s important to have your property inspected by a qualified professional following a hailstorm. They can properly assess hail damage and distinguish it from normal wear and tear, such as natural aging of shingles or mechanical damage. Some insurance companies may require an inspection before approving a claim, so ensuring accurate damage identification is key.

When it comes to determining who should conduct this inspection, many homeowners will go straight to a roofing contractor for help. However, rising trends find roofing contractors among the most likely groups to commit contractor fraud. Common scams among roofers include fabricating damage where there isn’t any, exaggerating damage, or even beginning work on legitimately damaged roofs but disappearing with payment before ever finishing the work.

For this reason, Central recommends that homeowners who suspect damage on their roofs start by engaging their insurance carrier, who can either connect you with a reputable, safe roofing contractor to conduct the evaluation, or leverage one of their advanced data sourcing tools to gather aerial imaging of your roof remotely.

Learn More: Who is Most at Risk for Contractor Fraud?

The Central Difference

Hail damage can be unpredictable and costly, which is why having the right insurance coverage is essential. At Central Insurance, we offer comprehensive homeowner and commercial property policies designed to protect your home from severe weather, including hailstorms. With our tailored coverage options and personalized service, we ensure that you’re protected from the financial burden that hail damage can cause.

By partnering with Central Insurance, you’re not only safeguarding your property but also gaining peace of mind knowing that you’re backed by a team of experts. Contact one of our agents today to learn how we can help protect your home during hail season and beyond.

The information above is of a general nature and your policy and coverages provided may differ from the examples provided. Please read your policy in its entirety to determine your actual coverage available.

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What is Full Coverage Insurance?

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17 October 2024

If you’ve ever bought, or leased, a car there’s a pretty good chance you’ve been told you need “full coverage” auto insurance while under a loan or lease. But what exactly does that mean?

Honestly, there is no such thing. It is not a term generally used by insurance companies because no insurance company will be able to cover 100% of all situations, which is why so many companies do not use the term “full coverage.” The definition of full coverage is going to vary largely by the person and the situation.

What does “full coverage” actually mean?

The answer to this question lies in who is asking. A lender will have a very different idea of “full coverage” than the owner of the policy and both may vary from state mandated coverage. As we noted above, the definition is open to interpretation, however, let’s take a bit of a deeper look at each perspective:

State Regulations. Many states require a certain amount of insurance to be purchased in order to legally drive within the state (usually referred to as state minimum coverage). The standard coverages most states require are:
- Liability Coverage. This coverage is designed to protect you if you’re found to be at-fault in an accident. It can cover the other driver’s medical costs, lost wages, pain and suffering, repair or replacement of vehicle or property and can even cover some legal bills. This coverage does not cover your medical expenses, lost wages or vehicle damages.
- Uninsured or Underinsured Motorist Coverage. This coverage requirement varies by state, but is used when you’re in an accident caused by another driver who is either uninsured or does not have enough coverage.
- Personal Injury Protection. This coverage can have different names depending on the state and is also not required by all states, but many do. It’s meant to help cover you and your passengers’ medical bills sustained during an accident.
Lenders and Financial Institutions. Lenders have a vested financial interest in the vehicle they issue a lease or loan for. So, when they talk about full coverage, they want to make sure the vehicle is protected in the event of an accident. These coverages are optional if you own your vehicle, however lenders often require:
- Collision Coverage. This coverage protects your vehicle (minus your deductible and up to market value) in the event of a collision with another vehicle or an object such as a barrier or tree.
- Comprehensive Coverage. This covers your vehicle (minus your deductible and up to market value again) in the event of an accident that is not related to a collision, for example a deer running out in front of you, a tree falling on your car or a windshield crack.
Policyholders. No one wants more out of their insurance than the one who uses the vehicle every day. So, when you personally say full coverage, you may also be thinking of higher liability limits on top of a wide list of additional coverages offered by ERIE such as:
- Rental Car Coverage.¹ After an accident there is nothing more inconvenient than being without your vehicle. This coverage, technically named Transportation Expenses, is designed to ensure you receive a rental car to keep you on the road while your car is being repaired.
- Roadside Service.²From lockouts, flat tires and dead batteries all the way to running out of gas, even the most perfectly maintained cars may have an unexpected breakdown that leaves you stranded on the roadside. This helps cover the expense of retrieving you and your vehicle in these situations.
- Auto Security.³This is an auto endorsement that ensures you have adequate coverage to replace your new ride should it end up totaled. With this endorsement, if your new car (less than two years old) is totaled, it will be replaced with the newest model year. If your vehicle is older than two years, it will be replaced with a model up to two years newer than your current model.

How Do I Know What Type of Coverage I Need?

The best way to make sure you have enough coverage for your specific needs and stay within your budget is to reach out to your local ERIE insurance agent. Since they’re local, they understand the demands of your area. They’re also experts in the insurance world, so they can make sure you meet any requirements from both the state and a lender while also ensuring you have peace of mind you’ll be covered.

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York). The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of January 2024 and may be changed at any time.

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions.

The insurance products and services described in this blog are not offered in all states. ERIE life insurance and annuity products are not available in New York. ERIE Medicare supplement products are not available in the District of Columbia or New York. ERIE long term care products are not available in the District of Columbia and New York.

Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

How to Save Money on Holiday Travel

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17 October 2024

Whether you’re planning an international vacation or taking the kids to see their grandparents, here’s how to book the best possible trip

by Nicole Dieker

October 30, 2023 | Money

The holidays are nearly upon us, which means it might be time to start thinking about travel (if you haven’t made plans already). By booking your flights and hotel stays as early as possible, you have the best chance of locking in the best deals.

Flexibility also helps, especially if you have the privilege of choosing not only your travel dates but also your holiday travel destination. If you already know that you can only fly on certain dates or are only planning to travel to a single location — Grandma’s house, for example — every day you delay your travel planning could cost you money.

Luckily, we’ve got some expert advice to help you find the best flights and plan the best trip. We asked Gunnar Olson, Flight Deal Analyst at Thrifty Traveler, how busy families can save money on holiday travel. He shared his thoughts on when to book, which apps to use and what to do if you don’t have a lot of flexibility in your travel plans.

Here’s what you need to know.

Make your plans as soon as possible

Flights and hotel rooms fill up quickly — which is why the best way to save money on holiday travel is by making your plans as soon as possible. No matter when you’re reading this article, the best time to book your holiday travel is now.

As you make your plans, keep in mind that certain types of decisions could save you money when things go wrong. Olson suggests looking for early-morning flights, for example — which could help you avoid delays or cancellations, and prevent you from spending extra cash on unexpected airport meals or a last-minute motel.

He also advises holiday travelers to be flexible about their travel dates.

“In order to get the best deal, adjust your dates a few days here or there,” says Olson. “Flying home the Friday or Saturday after Thanksgiving instead of Sunday can save you hundreds, not to mention the headaches of flying on the busiest travel day of the year.”

Want to know more? Here’s a guide on the best and worst times to fly.

Don’t wait for prices to go down

According to the Thrifty Traveler, the best time to book flights for Thanksgiving 2023 is between October 2 and October 19 — which means that you may have already missed the biggest money-saving window.

That said, people who are willing to book right away may still be able to find affordable flights.

“The first thing I’d recommend for travelers who missed the ideal Thanksgiving window is to book ASAP,” says Olson. “Prices won’t likely go down.”

The same goes for any December or January travel you might be planning. Make your booking as quickly as you can, and don’t assume that the fares you see today will be available tomorrow.

If you aren’t able to book right away, you may need to prepare to spend a little more on your trip. Olson suggests using credit card rewards like points or miles to cover some of the cost, and families with good credit may want to consider opening a new credit card to take advantage of a sign-up bonus that could help them save money on flights.

“When you’re stuck in a situation like this, it’s time to empty your toolbelt,” Olson told us. “If you have points and miles, consider using them.”

Want to know more? Here’s some expert advice on saving money on winter travel.

Use apps that allow you to book directly with the airline

There are a lot of money-saving apps out there — but if you’re booking flights, Olson recommends using apps that allow you to book directly with the airline.

“Booking directly with the airline, especially around the holidays when flight disruptions are common, is crucial,” Olson says. “If something goes wrong with your flight, you don’t want to work with a middleman to get your refund or changes!”

With that in mind, Olson suggests using Google Flights — which not only allows you to make direct bookings, but also offers price tracking and alerts that can help you book the best fares.

“In our experience, Google Flights price alerts are your best shot at tracking exact fares,” says Olson. “Other sites, like Kayak, can give you some insight into the best time to book, but we always recommend Google Flights because Google Flights allows you to book directly with the airline.”

Want to know more? Here’s a complete guide to using Google Flights to book your airline tickets.

Be flexible where you can

One of Olson’s favorite pieces of travel advice is to find a low-cost flight and book the rest of your trip around it. This could mean choosing a different travel destination than you were originally planning — taking your family to a ski resort instead of a beach resort, for example, or picking Walt Disney World instead of Disneyland.

That said, many holiday travelers have a single destination in mind — and a limited range of time in which to travel. College students coming home for winter break, for example, may be limited to a specific airport on a specific date. Families taking the kids to visit the grandparents may have to time their trip around school vacations and PTO.

Luckily, Olson has one last piece of money-saving advice.

“For less flexible travelers, my recommendation is to be flexible where you can,” says Olson. “Booking one day earlier or later can make a massive difference in price. If the college kids can spend one more night in the dorm before heading home, the savings could be enormous. Same goes for family travelers heading to Grandma’s. I’m sure Grandma would love to welcome you a day early or have you stick around one day later! Otherwise, activate that travel toolbelt once again: use your points and miles or look into other travel options.”

Want to know more? Here’s how Haven Life Plus can make holiday travel less hard.

Our editorial policy

Haven Life is a customer-centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.

Our editorial policy

Haven Life is a customer centric life insurance agency that’s backed and wholly owned by Massachusetts Mutual Life Insurance Company (MassMutual). We believe navigating decisions about life insurance, your personal finances and overall wellness can be refreshingly simple.

Our content is created for educational purposes only. Haven Life does not endorse the companies, products, services or strategies discussed here, but we hope they can make your life a little less hard if they are a fit for your situation.

Haven Life is not authorized to give tax, legal or investment advice. This material is not intended to provide, and should not be relied on for tax, legal, or investment advice. Individuals are encouraged to seed advice from their own tax or legal counsel.

Our disclosures

Haven Term is a Term Life Insurance Policy (DTC and ICC17DTC in certain states, including NC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Haven Term Simplified is a Simplified Issue Term Life Insurance Policy (ICC19PCM-SI 0819 in certain states, including NC) issued by the C.M. Life Insurance Company, Enfield, CT 06082. Policy and rider form numbers and features may vary by state and may not be available in all states. Our Agency license number in California is OK71922 and in Arkansas 100139527.

MassMutual is rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of Aril 1, 2020 and is subject to change. MassMutual has received different ratings from other rating agencies.

Haven Life Plus (Plus) is the marketing name for the Plus rider, which is included as part of the Haven Term policy and offers access to additional services and benefits at no cost or at a discount. The rider is not available in every state and is subject to change at any time. Neither Haven Life nor MassMutual are responsible for the provision of the benefits and services made accessible under the Plus Rider, which are provided by third party vendors (partners). For more information about Haven Life Plus, please visit: https://havenlife.com/plus

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WPS Health Blog | WPS Health Insurance

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17 October 2024

WPS Health Blog | WPS Health Insurance

Is your doctor in your network?

Trump vs. Harris in 2024

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17 October 2024

Comparing Stances on Healthcare Policy: Trump vs. Harris in 2024

As the 2024 general election approaches, health care remains a critical issue for voters. Understanding how Democratic nominee Kamala Harris and Republican nominee Donald Trump approach key aspects of healthcare policy is essential for understanding the future of U.S. health care and health insurance.

The Future of Healthcare Programs

Historically, Donald Trump and Kamala Harris have taken vastly different approaches to policies affecting the Affordable Care Act, Medicaid, and
Medicare. The results of the 2024 elections could determine the direction of U.S. healthcare policy for years to come, impacting both insured and uninsured Americans.

Affordable Care Act (ACA)

During his presidency, Donald Trump made several attempts to repeal and replace the
Affordable Care Act (ACA), which would have significantly increased the number of uninsured Americans. His actions included eliminating the individual mandate penalty, which required most Americans to have health insurance or pay a fine. This move, coupled with cutting outreach funding, undermined the ACA’s foundation, leading to higher premiums and reduced coverage options. Despite his criticisms of the ACA, Trump has yet to present a clear replacement plan.

On the other hand, Kamala Harris has been a key figure in strengthening the ACA. The Biden-Harris administration expanded
ACA subsidies through the
American Rescue Plan Act (ARPA), making healthcare more affordable for millions of Americans. These subsidies were further extended by the Inflation Reduction Act (IRA), which helped to lower monthly premiums and out-of-pocket costs. The Biden-Harris administration also reversed Trump-era policies that weakened ACA coverage, ensuring better protection and more comprehensive options for those in need.

Medicaid

Trump’s approach to
Medicaid focused on reducing federal oversight and involvement. He advocated for cutting federal funding for Medicaid and shifting costs to states, which could have led to reductions in benefits and coverage for millions of low-income Americans. Trump also supported implementing work requirements for Medicaid recipients, potentially excluding many from receiving necessary health care services.

In contrast, Harris has championed
Medicaid expansion leading up to the election. Under her leadership, the Biden-Harris administration has encouraged states to extend postpartum Medicaid coverage to reduce maternal mortality and provided incentives for states to close the coverage gap, particularly in underserved communities. Harris continues to propose policies aimed at streamlining Medicaid enrollment and improving access to care, ensuring that eligible Americans receive the support they need through this program.

Medicare

Donald Trump has consistently pledged to protect
Medicare, but his administration’s actions risked accelerating the insolvency of Medicare’s trust funds. Without a clear plan for Medicare’s long-term sustainability, there is concern about the program’s future viability under another Trump administration.

Harris has proposed raising Medicare taxes on high earners to support the program’s financial stability. She has also supported the Inflation Reduction Act, which includes provisions to lower prescription drug costs and cap insulin prices, making Medicare more affordable and accessible. Harris continues to focus on enhancing Medicare within its existing framework, improving coverage, and ensuring that seniors have access to necessary medical services without facing excessive costs.

Reproductive Care

Reproductive care has been a highly contested issue in the months leading up to the 2024 election, with significant differences between Trump and Harris’s approaches. Their views on abortion and contraception will likely impact healthcare policies and the ability to access reproductive care through their health insurance for years to come.

Access to Abortion

Trump takes credit for the Supreme Court’s decision to overturn Roe v. Wade, leaving abortion laws to individual states. This has resulted in a patchwork of restrictive abortion laws across the country, with some states imposing severe limitations on access to abortion services. Trump has also suggested the possibility of a national abortion ban with certain exceptions, though this remains uncertain.

Kamala Harris is a staunch advocate for reproductive rights. She has been a leading voice in the Biden-Harris administration’s efforts to safeguard abortion access nationwide. Harris supports federal legislation to restore the protections previously guaranteed by Roe v. Wade and has taken steps to ensure that women in restrictive states still have access to necessary services.

Contraception

During his presidency, Trump took steps to restrict access to contraception. This includes barring family planning clinics like Planned Parenthood from receiving federal Title X funds and allowing employers with religious or moral objections to opt out of providing contraceptive coverage under the ACA.

The Biden-Harris administration has worked to expand access to contraception. They reinstated Title X rules requiring clinics to offer a comprehensive range of contraceptives and pregnancy options counseling. Additionally, the administration approved the first over-the-counter oral contraceptive pill, making it easier for individuals to obtain birth control without a prescription.

Public Health and Prescription Drug Pricing

As American citizens continue to struggle with rising prescription drug costs and other public health challenges, Trump and Harris offer contrasting strategies that could shape access to healthcare for millions of Americans.

Public Health

Trump’s approach to public health, particularly during the COVID-19 pandemic, has been marked by skepticism toward scientific consensus. His administration often downplayed the severity of the pandemic and shifted much of the responsibility for pandemic response to individual states. Trump continues to propose budget cuts to many federal public health programs.

On the other hand, the Biden-Harris administration has implemented a science-driven approach to public health. They implemented federal mask and vaccine mandates, expanded testing, and bolstered the public health workforce. Harris has continued to emphasize the importance of evidence-based responses and comprehensive pandemic preparedness to protect public health.

Prescription Drug Pricing and Health Care Costs

Trump made several moves to reduce prescription drug costs, including a voluntary model capping monthly insulin costs at $35 for Medicare Part D enrollees and allowing states to import cheaper drugs from Canada. He also introduced the No Surprises Act to protect patients from unexpected out-of-network medical bills. Trump’s 2024 campaign continues to focus on reducing drug prices and health care costs, with promises to lower health insurance premiums.

Harris has also been active in addressing drug pricing and health care costs, playing a key role in the Inflation Reduction Act. This legislation allows Medicare to negotiate drug prices and caps monthly insulin costs at $35 for both Medicare Part B and Part D, and expands price transparency rules. The Biden-Harris administration has also advocated for reducing medical debt and tackling anticompetitive practices in the health care sector.

Approaches to Mental Health and Addiction

As mental health and opioid challenges continue to affect countless Americans, the next administration’s response will affect healthcare policies that increase accessibility to care.

Mental Health

Trump’s mental health policies included a controversial return to institutionalization for the severely mentally ill, departing from community-based treatment approaches. His administration’s support for Medicaid cuts also reduced access to behavioral health services. During his presidency, he did support some mental health initiatives, such as establishing the 988 crisis hotline for individuals in mental health crises.

Harris, under the Biden administration, focused on expanding mental health care access, especially for underserved populations. The Biden-Harris administration launched the National Maternal Mental Health Hotline and extended Medicaid coverage for postpartum mental health. Improvements in crisis care, including the enhancement of the 988 hotline and mobile crisis services, reflect Harris’s commitment to better mental health support.

Opioid Use Disorders

Trump took an aggressive stance on the opioid crisis, declaring it a public health emergency. His 2024 campaign proposes even tougher measures, including stricter border policies and severe penalties for drug traffickers. Trump also advocates for faith-based treatment programs, though his approach leans heavily on law enforcement rather than healthcare and mental health programming.

Harris supports a comprehensive strategy to address opioid use disorders, including reducing the supply of illicit drugs like fentanyl and expanding access to evidence-based treatments. She has also backed state and tribal grants for opioid response and enhanced treatment options in correctional facilities.

Looking Ahead: Healthcare in the 2024 Election

As the 2024 election nears, the healthcare policies of Donald Trump and Kamala Harris present contrasting visions for the future of U.S. healthcare. These stark differences in healthcare policies will significantly impact how
individual and family health insurance policies and healthcare options are approached post-election.

To understand how these proposed changes in healthcare policies might affect your health insurance and overall care,
contact us at Sackett Insurance Services. Our insurance advocates are here to help you navigate these potential changes and ensure you’re prepared for whatever comes next.

CHUBB MASTERPIECE INSURANCE FOR NJ CAR OWNERS

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17 October 2024

CHUBB MASTERPIECE INSURANCE FOR NJ CAR OWNERS

Offering The Best Coverage

Bogle Agency Insurance of Lyndhurst NJ offers Chubb Masterpiece Auto Preference automobile insurance to NJ drivers. This is the broadest automobile insurance coverage CHUBB MASTERPIECE INSURANCE FOR NJ CAR OWNERS available in NJ. It is to a car owner’s benefit to learn about the excellent protection provided with Chubb Masterpiece Auto Preference insurance for NJ car owners. Bogle Agency Insurance agents are always available to help you find the best automobile insurance with the highest limits of coverage.

Professional Repair Service

When you have an automobile accident, if the car can be repaired, it must be to the manufacturer’s specifications. The light construction and specialized technology found in today’s cars provide fuel efficiency and safety but repairs are more complex and need to be done right. Chubb has Auto Technical Specialists who are certified collision repair professionals and who act as your advocate, offering the highest repair standards. If a damaged vehicle cannot be repaired, Chubb covers you for a total loss.

Quick Claim Response

If you have an accident, Chubb agents are very responsive in getting to work on your insurance claim. You need your vehicle and a fast claims response is essential. A client’s satisfaction is always the focus. Bogle Agency Insurance confidently offers Chubb Masterpiece Insurance for NJ car owners.

Top Automobile Coverage

Bogle Agency Insurance offers Chubb’s Masterpiece Auto Preference to NJ car owners because we believe it provides the top Automobile Insurance coverage. To talk to one of our agents about Automobile Insurance in NJ, call us at (201) 939-1076. We are confident you will agree that we offer the best protection for your vehicle.

Covering the Unseen Gaps with Non-Trucking Liability Insurance

Solutions in Action: How to Protect Your Fleet with Non-Trucking Liability Insurance

Frequently Asked Questions: Clearing Up Misconceptions

Your Next Move: Ensuring Your Fleet’s Safety Off the Clock

Common Types of Hail Damage to Your Home

Why Some Homes Experience Hail Damage and Others Don’t

Verifying Hail Damage

The Central Difference

Like this:

What does “full coverage” actually mean?

How Do I Know What Type of Coverage I Need?

Whether you’re planning an international vacation or taking the kids to see their grandparents, here’s how to book the best possible trip

In this article:

Make your plans as soon as possible

Don’t wait for prices to go down

Use apps that allow you to book directly with the airline

Be flexible where you can

Our editorial policy

Our editorial policy

Our disclosures

You might also like

Get our most-read stories, twice a month

Is your doctor in your network?

Comparing Stances on Healthcare Policy: Trump vs. Harris in 2024

The Future of Healthcare Programs

Affordable Care Act (ACA)

Medicaid

Medicare

Reproductive Care

Access to Abortion

Contraception

Public Health and Prescription Drug Pricing

Public Health

Prescription Drug Pricing and Health Care Costs

Approaches to Mental Health and Addiction

Mental Health

Opioid Use Disorders

Looking Ahead: Healthcare in the 2024 Election

Incretins

Appetite Suppressants

Drugs that interfere with nutrient absorption

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