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If you are looking for an affordable health insurance quote for individual and family, the Internet is a good place to start. There is a variety of insurance policies to choose from and with competing agents, you can reap the benefits. In most cases, you can find free affordable health insurance quotes by performing a simple search on any search engine. This makes shopping for medical insurance not only easy, but also very cost effective.

The ability to shop around for affordable care family health insurance allows individuals to not only save, but also cover their family. Many employers in the today's market are placing the cost of the monthly premiums on their employees. In many cases the employee can not afford the cost and find themselves looking for an affordable health insurance quote for individual and family. This can be very frustrating after many years of not having to worry about insurance because the employer took care of all the negotiating with the larger insurance companies.

It is important when shopping online for health insurance quotes to read what is covered and what is not. It may look like an excellent deal on the surface, but pre-existing conditions and other medical needs such as dental, vision and emergency care may be omitted from the policy. If it seems like too good of a deal to be true, it may be. Just be sure to read all of the fine print and you can be sure that all of your medical needs will be covered.

Joe Stewart Is A Former Health Insurance Agent. He's Made Understanding Health Insurance Easy For Others. You Can Learn More About Health Insurance And Get Free Health Insurance Quotes For Individual And Family At His Website http://TheHealthInsuranceGuys.org or by clicking on Affordable Health Insurance Quote For Individual And Family.

A survey revealed that around 13% of pregnant women went without medical care during those difficult months as they could not afford maternity insurance. Also, pregnancy did not form a part of many health insurance policies. Sometimes, care was available only during the second trimester or third trimester. Affordable Health Care Options therefore offers hope in the form of the "Maternity Card". This card allows slashing of costs during the prenatal and postnatal periods by up to 60%.

The name precisely means that - Affordable Health Care Options! Where Maternity Card scores over other basic health insurance programs is reduction in the amount of documents to be filled in, unlike its competitors who present the patient with a mountain of paperwork and legal jargon that is terribly confusing! And as mentioned earlier, this insurance is affordable. In truth, maternity insurance is not considered so important by plenty of health insurance programs.

Where those companies that do offer maternity insurance coverage are concerned, they provide group insurance plans. The catch is that in many of the plans, the clauses are so framed that they can take effect only three months later; sometimes, even one year later.

A plan called Medi-cal maternity insurance is meant for residents of California only. The woman should be between six to seven months pregnant, as well as prove that California has been her home for the past six months. The company takes care of prenatal expenses, as well as covers the postpartum period for 60 days. The remaining costs are covered by the woman herself (gross family income contributes 2%).

Low-income groups can turn to Medicaid for help, where a few maternity insurance benefits are available sometimes.

So I again reiterate that Maternity Card is the best option available. Pregnant women with no insurance can go for it. Even women with health insurance that does not include maternity insurance, can opt for Maternity Card. More details can be found from internet. All one has to do is fill out the information page on the site and click on submit. One will have access to lots of information about where to find good insurance.

The full maternity package provided by Maternity Card includes these services:

1. Visits to the doctor.

2. Prenatal vitamins.

3. 24-hour counseling.

4. Sonograms.

5. Laboratory work.

6. Stay in the hospital.

7. Anesthesiologist.

8. 24-Hour Nurse Hotline.

9. Checkups and tests concerning the newborn.

10. Immunizations for mother and child.

11. Prescription drugs.

Thus, the Maternity Card is so customer-friendly that the mother-to-be can stop having nightmares about the lack of maternity insurance or how she is going to manage monetarily when the baby finally arrives. There is somebody to take care of everything!

Abhishek has seen many childbirths in his huge family! Visit http://www.Childbirth-Guru.com and Download Abhishek's FREE Report "How To Dress And Look Your Best During Pregnancy!". If you are an expecting mother, or have just delivered, you can get some very valuable information about Pregnancy and Childbirth. But hurry, only limited Free copies available.

It might be surprising, but there are plenty of reasons why it is a better idea to import cars from Japan to America than to buy them from your local dealer. The deals are better and you get a much better range of cars to choose from.

In fact, it is a much better idea to import cars from Japan to America. You can get nearly all your specifications satisfied. You will have a much better chance of finding the model you want for the price you want. You will have better range to choose form, because you can choose from the entire Japanese Domestic Market (JDM). They have makes, models and prices that you will not find either in the U.S. or anywhere else in the world.

Of course, you do have to do your homework before you can find the right exporters who will help you import cars from Japan to America. They will find you the car you want and help you through every stage of the whole process. Let us take a look at the main options.

Acquire from the Stock

The good part about this option is that you will get the car you want and get it fast. The bad part is that the price will be fixed. You will also be told exactly how much the total expense will be, to import a car from Japan to America, including the price of the car, the dealer's rate and any accompanying expenses.

This way, you will also get a very detailed report regarding the condition of the car, which is the next best thing to examining it yourself, when you import a car from Japan to America. Many people find buying from the stock much easier to do than bidding at an auction, which is your other option.

Get an Agent to Bid at an Auction for You

The agent will act as your eyes and ears at the auction and bid on your behalf. The agent will also examine the car and follow all your instructions. Therefore, you have to find an agent with whom you have a rapport and who will understand and follow your instructions.

This is a better option if you want to get a better deal in terms of money. The starting bid will be very low, which will give you a better chance to get the car you want at a great price. You will also have a huge number of cars to choose from.

This way, you also have to make up your mind if you will go through the auctions yourself, or if your agent should do it for you. If you decide to do it yourself, you will need to put in quite a bit of time and effort. If you choose to let your agent search them for you, make sure that the lines of communication are always open to eliminate any misunderstanding. Once you make your decision to import a car from Japan to America, the rest will fall into place.

All you have to do is make sure you have the information you need, and you will see that you can import cars from Japan to America easily.

Learn the A to Z on how to import cars from Japan. Also, read another popular article on why people are rushing to import cars from Japan.

The most conventional solution to commuting throughout Cancun's nightlife is not by walking or acquiring a taxi, although it's still a good option, is to hire your own local, private transportation. Similar to the increasingly popular services back state-side, having a chauffer to escort you between bars and clubs is the answer to a number of pressing questions, including:

How will I get to the clubs and back to my hotel without a car?

A taxi is the first and logical answer, but since the abundance of private transportation, scheduling someone to pick you and your cohorts up, and having the convenience of someone waiting on you has become something of a luxury, but a necessity for large groups of people.

How will I transport everyone in my party?

A segue from the last question; with private busses or limousines, shuttling large quantities of people from location to location in Cancun without all of the confusion can be easily achieved.

How long do I have the chauffer on retainer for and how expensive are they?

Typically, your private transportation can be reserved in increments of 33, 6, 9, or 12. As for the cost of these services, most, if not all, are cheap. It may be the bunt of a hundred jokes and clichs, but Mexico caters to the frugal, and this is no exception.

Some transportation companies' clientele consist primarily of airport transfers and tourists searching for a cool and sedated means of exploring the city outside of their Cabo hotels. However, it is understood that a considerable chunk of their business accumulates from tours of Cabo's infamous nightlife.

Enid Glasgow is a product of unbridled wanderlust and a knack for gab. When Enid is traveling Cabo, she can undoubtedly be found at ME Cabo

Travel Pre Internet:

I've been travelling for over 40 years - by thumb in my early days, by boots in the Scouts, a Lambretta came next and then my first old banger followed by newer old bangers to the beaches of the Costa Brava.

My thumb, boots, bikes and bangers took me all over Europe and the UK before finding that a charter flight to Spain on an old 'Connie' could get me to the beaches and bars a lot quicker and allow more time to enjoy the local travel opportunities by horse and cart and the occasional bus and train.

'Go West and Prosper' seemed to be a good idea so instead of taking an 8 hour flight I took an 8 day transatlantic crossing from Tilbury to Montreal on the Stephan Batory of Polish Ocean Lines ensuring that jet lag did not trouble my travel plans. Some years later I crossed the pond again on a ship but this time it was 5 times bigger and I travelled in style on the QE2 and dined in the Queen's Grill somewhat removed from my earlier experience. I highly recommend ocean voyages but cannot see myself on one of the modern cruise ships going from port to port with constant line-ups to get on and off to buy t-shirts. However, I have done 10 Windjammers and a Star Clipper cruise in the Caribbean which were all memorable (let's hope Windjammer Barefoot Cruises recover from their woes). But I digress.

I had read that Canada is a spectacular country, from sea to shining sea, and my entrance into the St. Lawrence River to Montreal and then heading west in an old Econoline van from the Great Lakes, across the Prairies to the Rocky Mountains before ending up whale watching off of the Pacific Coast of Vancouver Island was a trip of wonder to a bloke from London. Today the scenery is still spectacular and the best way to go is still by road so rent or buy a car, motorhome or motorbike, take the train or tour bus but remember the maps, a fly rod, good boots and take your time.

My favorite part of Canada / USA for adventure travel has to be Northern BC / Alaska, to hike the Chilkoot Trail in the steps of the goldseekers of 1898. The Northwest Territories to canoe the Nahannie River and the Yukon to drive from Dawson City to Chicken, Alaska. If you like the outdoors and can put up with a few bugs, cast a fly and scale a few hills or drive on endless dirt roads sharing the space with moose, caribou, elk, bears and eagles, then these are the places to put on your list. The pleasures and experiences in driving to Inuvik on the Dempster Highway or to Prudhoe Bay on the Dalton Highway or even the Canol Road can only be felt by doing them. I would have mentioned the Alaska Highway but now it is an easy drive unlike the aforementioned.

Today the costs of driving these distances may mean that sharing the journey with others is required, but RVing or simply vanning and camping is a great way to see beyond the horizon. Some enroute adventures now need to be booked in advance whereas when I hiked Denali and the Chilkoot Pass it was just a case of turning up, registering with the local ranger office and heading on out. A little more forward planning is needed for today's traveller and cost considerations of lengthy flights or drives have to somehow be countered with more careful planning. In the days of reasonable gas prices I would not even consider the driving or flying costs and have driven to Key West from the northwest coast, down the west coast to the Baja and to the west coast from New York. I once even flew my 1946 Fleet taildragger from the Pacific to the Atlantic and back using around 5 gallons an hour of avgas. Before the oil and credit crisis I drove from Rio de Janeiro to Lima, down to Tierra del Fuego and back to Rio covering over 15,000 miles of spectacular scenery and with no consideration about the cost of gas. South America should be on your itinerary too! Some other memorable drives that may now require a mortgage with the gas companies include London to The Nordkapp, Norway, Skippers Canyon in New Zealand and the loneliness of the far north of Australia and the amazing coast of Western Australia stopping by at Monkey Mia and Wave Rock.

We tend to forget that the real cost of travelling is often less today than over the 40 years of my travels. In 1977 my round-trip airfare from Canada to Australia cost over $1700 in 1977 dollars so today it is far cheaper to fly, even with the airlines gouging for fuel, extra baggage, no service and no pleasure. The 'Big Mac' method of price comparison as developed by The Economist newspaper gives us a good gauge for most expenditures of today compared to yesterday but my $1500 cost to get a private pilots licence in the 1970's seems cheap by comparison to today, but obviously not when using this Big Mac principle. Other travel costs are also far cheaper today but this should not mean that travellers should disregard the many methods of saving costs that can then be put to extended or improved travel experiences

Travel Post-Internet:

In my 40 years of travel I have had to use travel agents to make even the simplest of reservations and buy tickets, not even thinking to ask them if they had "been there, done that?" It was just a case of there being no other options to buying travel. Now we have unlimited choices and can seek out better travel agents, better prices, better selections and information about anywhere in the world for our travels - without even leaving home.

The Internet now gives travellers ideas and options of Where to go, When to go, Why to go, What to do, Who to book with and How to save money and offset costs. We can search and find experts for every travel option. If we are comfortable with the Internet we no longer have to go to a travel agent to make reservations and buy tickets except to book with some of the larger travel companies that still produce glossy brochures and offer all inclusive packages or tours that only sell through the agency system. The Internet also allows those of us who are smart enough to know when to seek out a top travel agent with knowledge, experience and expertise (KEE skills) of destinations and activities about where to find them. There is no longer any need to only use our local agents when we can find one somewhere else in the world. When we do not need 'the knowledge' and can do it ourselves we simply surf the web so that we can book directly with tour and travel operators wherever we have decided to go.

Some travel agents operate their own tours, some are both wholesale and retail, some limit consumer selection by only selling their 'preferred' suppliers and some have professional consultants with years of experience invested in gaining knowledge, experience and expertise and are worth their weight in gold to the savvy traveller. Beware though, as some are also called destination specialists and some of these designations merely require the agent to take a rudimentary test offered by tourism offices, destination marketing groups or even tour operators and in my opinion can harm the reputation of the travel industry. A specialist is not necessarily an expert.

Travel is probably the most used commercial aspect of the Internet and if retail agents want to harness this exciting medium to offer 'the knowledge' and their 'kee' skills to a global audience, not just their local community, they must embrace the changes that are happening. Travellers now have the ability to seek answers to the 5 W's of travel and the important 'How to' save money and offset costs by having information just a click away.

And then it occurred to me that even internet travel prices often include a commission element even when sold directly to the consumer. If we book directly with operators we should not have to pay full retail prices as we are doing for ourselves what a retail agent would normally do for us. A dilemma for the operator is that to show a both a retail and a cost price option could deter many agents from selling the services as travellers could use an agent for free advice and book directly with the operator to get a 'net of commission' price. Obviously this two tier pricing is not often available but travellers who do not need advice should also not be penalized by retail pricing. A new way had to be found and I think I have found it!

The need for fairer fare prices is why I developed the Top Travel Voucher program at The Top Travel Club and I even found a dot com for it. All travel selections on the site are at 'net of commission' prices for members who handle there own travel arrangements directly with the operators linked on the club website using our voucher program.

I am inviting travel operators from around the world to join this program, from B&B's, Motels, Hotels, Luxury Lodges, Eco Resorts, Beach Resorts and Tour and Adventure Operators who want to promote their products and services to travellers who are comfortable with direct bookings and reservations.

I am also inviting Travel Agents with knowledge, experience and expertise of destinations and activities to showcase their skills to a global audience of travellers and to the members of this new travel club. I am leery of 'specialist agents' and only want experts to showcase their services.

This opportunity is available to the travel trade at no cost except for them to offer net, wholesale or outlet prices to club members and visitors to the website using top travel vouchers. I believe this program offers fairer fare prices to direct-booking travellers. The operator would normally be paying commission anyway but now travellers get the savings because they make their own arrangements.

The Top Travel Club opened in mid-April 2008 offering thousands of top travel vouchers for travel in over 70 countries with around 150 travel operators onboard. Every week we add more travel operators with more choices for members. Currently you can get savings on accommodations, adventure travel, boat charters, culinary tours, hike, bike and dive tours, auto and RV rentals fishing lodges and guides, safaris, vacation rentals, single travel, women only and dude ranches. Members get the vouchers free of charge by paying an annual membership fee and non-members can buy the vouchers on the internet at Top Travel Sites at deeply discounted prices to the face-value. The future growth will include restaurants, travel clothing, travel insurance and the opportunity to access air ticket consolidators who want to deal directly with consumers.

The way I have travelled and the way I see travel is that consumers should have unlimited access to every travel opportunity with the ability to do their own due diligence or to find a professional who can offer quality advice and services at fair prices, and to find all of this without needing endless hours of searching.

To find out more about the new way of cost offsets for travel please go to The Top Travel Club and my apologies for some of the spelling (traveller / traveler) but that is what I was taught. As long as we all understand the meaning, vive le difference!

Contact: nomad@toptravelsites.com

A UK Chartered Accountant with over 40yrs of international travel and over 25yrs in the travel industry. Editor of http://www.thetravelinsider.net and developer of the TopTravelVoucher service at http://www.toptravelsites.com and http://thetoptravelclub.com

Sales, Server & Technical base: Carlsbad, California Contact: nidalap14@hotmail.com skype: nidalap14