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	<title>Penny Pinching Hints &#187; Insurance Savings</title>
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	<link>http://www.pennypinchinghints.com</link>
	<description>Just ONE Stop: Save Time and Money!</description>
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		<title>Know Your Limits to Home Insurance Coverage and Make Sure You’re Covered</title>
		<link>http://www.pennypinchinghints.com/insurance-savings/know-your-limits-to-home-insurance-coverage-and-make-sure-you%e2%80%99re-covered/4220/</link>
		<comments>http://www.pennypinchinghints.com/insurance-savings/know-your-limits-to-home-insurance-coverage-and-make-sure-you%e2%80%99re-covered/4220/#comments</comments>
		<pubDate>Tue, 01 Mar 2011 14:15:00 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Insurance Savings]]></category>
		<category><![CDATA[home insurance]]></category>
		<category><![CDATA[home insurance coverage]]></category>

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<p>You may feel your home is fully insured.  Let’s check to make sure. </p>
<p>The insurance you purchase to replace your home is <strong>Coverage A</strong>, or what is called &#8230;</p>Share and Enjoy
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You may feel your home is fully insured.  Let’s check to make sure. 

 

The insurance you purchase to replace your home is Coverage A, or what is called dwelling insurance.  You may have enough dwelling insurance to cover the value of your h - http://www.pennypinchinghints.com/insurance-savings/know-your-limits-to-home-insurance-coverage-and-make-sure-you%e2%80%99re-covered/4220/" title="Email this" target="_blank">Email</a>
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		<item>
		<title>Bundling is Cheaper</title>
		<link>http://www.pennypinchinghints.com/savings-for-daily-living/bundling-is-cheaper/1972/</link>
		<comments>http://www.pennypinchinghints.com/savings-for-daily-living/bundling-is-cheaper/1972/#comments</comments>
		<pubDate>Sat, 05 Jun 2010 12:00:55 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Budgeting for Daily Needs]]></category>
		<category><![CDATA[Insurance Savings]]></category>
		<category><![CDATA[Savings for Daily Living]]></category>
		<category><![CDATA[money saving tips]]></category>

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<p>Bundling is buying either products or services together in a package at a discounted price.</p>
<p>Bundling for communication services is already well-known.  Buying your cable, your internet service, and &#8230;</p>Share and Enjoy
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Bundling is buying either products or services together in a package at a discounted price.

Bundling for communication services is already well-known.  Buying your cable, your internet service, and phone from one company is usually cheaper than  - http://www.pennypinchinghints.com/savings-for-daily-living/bundling-is-cheaper/1972/" title="Email this" target="_blank">Email</a>
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		<item>
		<title>Choosing Your Health Insurance</title>
		<link>http://www.pennypinchinghints.com/insurance-savings/choosing-your-health-insurance/234/</link>
		<comments>http://www.pennypinchinghints.com/insurance-savings/choosing-your-health-insurance/234/#comments</comments>
		<pubDate>Sat, 22 Aug 2009 15:44:00 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Insurance Savings]]></category>
		<category><![CDATA[group insurance plans]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[health savings accounts]]></category>
		<category><![CDATA[individual insurance]]></category>
		<category><![CDATA[insurance premiums]]></category>
		<category><![CDATA[low cost insurance]]></category>
		<category><![CDATA[prescription plan]]></category>
		<category><![CDATA[private insurance]]></category>

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<p>It is important to have good and adequate health care, but in this economy it is also important to know how to save your pennies when it comes to &#8230;</p>Share and Enjoy
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		<item>
		<title>Does Pet Insurance Save?</title>
		<link>http://www.pennypinchinghints.com/savings-for-daily-living/does-pet-insurance-save/594/</link>
		<comments>http://www.pennypinchinghints.com/savings-for-daily-living/does-pet-insurance-save/594/#comments</comments>
		<pubDate>Mon, 14 Sep 2009 00:42:30 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Insurance Savings]]></category>
		<category><![CDATA[Pets]]></category>
		<category><![CDATA[Savings for Daily Living]]></category>
		<category><![CDATA[pet health insurance]]></category>
		<category><![CDATA[pet insurance]]></category>
		<category><![CDATA[should I buy pet insurance]]></category>

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<p>With the higher costs of pet care today and with new treatments that can be very effective and costly, the decision to put an animal to sleep or treat &#8230;</p>Share and Enjoy
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		<item>
		<title>Everday Health Saves Money</title>
		<link>http://www.pennypinchinghints.com/savings-for-daily-living/health-2/167/</link>
		<comments>http://www.pennypinchinghints.com/savings-for-daily-living/health-2/167/#comments</comments>
		<pubDate>Fri, 21 Aug 2009 00:05:52 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Health]]></category>
		<category><![CDATA[Insurance Savings]]></category>
		<category><![CDATA[Savings for Daily Living]]></category>
		<category><![CDATA[health savings]]></category>

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<ol>
<li>Add ¼ tsp of cinnamon a day to your diet to reduce blood sugar levels and avoid, even reverse, diabetes.</li>
<li>Make sure you and your children floss daily to </li>&#8230;</ol>Share and Enjoy
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	Add ¼ tsp of cinnamon a day to your diet to reduce blood sugar levels and avoid, even reverse, diabetes.


	Make sure you and your children floss daily to avoid oral health problems and avoid higher dental bills.



	Use water to hydrate - http://www.pennypinchinghints.com/savings-for-daily-living/health-2/167/" title="Email this" target="_blank">Email</a>
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		<item>
		<title>Filling the Medicare Gap</title>
		<link>http://www.pennypinchinghints.com/insurance-savings/filling-the-medicare-gap/2152/</link>
		<comments>http://www.pennypinchinghints.com/insurance-savings/filling-the-medicare-gap/2152/#comments</comments>
		<pubDate>Sun, 25 Jul 2010 13:43:29 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Insurance Savings]]></category>
		<category><![CDATA[health savings]]></category>
		<category><![CDATA[medicare]]></category>
		<category><![CDATA[medigap]]></category>

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<p>Medicare is a wonderful single-payer health insurance benefit for those over 65.  But, Medicare does not pay for everything.  There are services not covered and there are other out-of-pocket &#8230;</p>Share and Enjoy
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		</item>
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		<title>How NOT to Lose Money When your Health Claim is Denied</title>
		<link>http://www.pennypinchinghints.com/insurance-savings/how-not-to-lose-money-when-your-health-claim-is-denied/2667/</link>
		<comments>http://www.pennypinchinghints.com/insurance-savings/how-not-to-lose-money-when-your-health-claim-is-denied/2667/#comments</comments>
		<pubDate>Sat, 16 Oct 2010 14:45:26 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Insurance Savings]]></category>
		<category><![CDATA[health insurance claims]]></category>
		<category><![CDATA[medical insurance claims]]></category>
		<category><![CDATA[tips onclaim denials]]></category>

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<p>Sometimes you have done everything right for your health care insurance provider.  You have used your primary care physician (PCP) first, you have gotten referrals from your PCP for &#8230;</p>Share and Enjoy
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Sometimes you have done everything right for your health care insurance provider.  You have used your primary care physician (PCP) first, you have gotten referrals from your PCP for any specialist treatments, and you have all medical procedures  - http://www.pennypinchinghints.com/insurance-savings/how-not-to-lose-money-when-your-health-claim-is-denied/2667/" title="Email this" target="_blank">Email</a>
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		<item>
		<title>How to Get Mortgages and Save</title>
		<link>http://www.pennypinchinghints.com/homeowner-savings/how-to-get-mortgages-and-save/253/</link>
		<comments>http://www.pennypinchinghints.com/homeowner-savings/how-to-get-mortgages-and-save/253/#comments</comments>
		<pubDate>Sat, 22 Aug 2009 20:33:57 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Banking]]></category>
		<category><![CDATA[Buying and Selling a Home]]></category>
		<category><![CDATA[Financial Savings]]></category>
		<category><![CDATA[Homeowner Savings]]></category>
		<category><![CDATA[Insurance Savings]]></category>
		<category><![CDATA[APR]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[mortgage savings. money saving tips to get best mortage]]></category>
		<category><![CDATA[mortgages]]></category>
		<category><![CDATA[refinancing]]></category>

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<ul>
<p>
<li>Put down a good down payment.  You will be financing less after a good down payment, and that will make a considerable difference on the amount of your monthly </li></p>&#8230;</ul>Share and Enjoy
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	Put down a good down payment.  You will be financing less after a good down payment, and that will make a considerable difference on the amount of your monthly payment.  20% down is the best!


	Always check the annual percentage rate (APR) - http://www.pennypinchinghints.com/homeowner-savings/how-to-get-mortgages-and-save/253/" title="Email this" target="_blank">Email</a>
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		</item>
		<item>
		<title>How to Insure Your Adult Child For Less</title>
		<link>http://www.pennypinchinghints.com/insurance-savings/how-to-insure-your-adult-child-for-less/492/</link>
		<comments>http://www.pennypinchinghints.com/insurance-savings/how-to-insure-your-adult-child-for-less/492/#comments</comments>
		<pubDate>Wed, 02 Sep 2009 14:33:49 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Insurance Savings]]></category>
		<category><![CDATA[Health]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[health insurance for college graduates]]></category>

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<p>Young adults ages 19-20 are one of the highest non-insured segment of the population in health care coverage.  They have graduated and are not covered as students, they have &#8230;</p>Share and Enjoy
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Young adults ages 19-20 are one of the highest non-insured segment of the population in health care coverage.  They have graduated and are not covered as students, they have no job pr a low-paying job that offers no health care coverage, they think - http://www.pennypinchinghints.com/insurance-savings/how-to-insure-your-adult-child-for-less/492/" title="Email this" target="_blank">Email</a>
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		<item>
		<title>How to Keep your Medical Costs Down</title>
		<link>http://www.pennypinchinghints.com/insurance-savings/how-to-keep-your-medical-costs-down/241/</link>
		<comments>http://www.pennypinchinghints.com/insurance-savings/how-to-keep-your-medical-costs-down/241/#comments</comments>
		<pubDate>Sat, 22 Aug 2009 16:18:55 +0000</pubDate>
		<dc:creator>Maureen Hodge</dc:creator>
				<category><![CDATA[Insurance Savings]]></category>
		<category><![CDATA[Cobra]]></category>
		<category><![CDATA[insurance claims]]></category>
		<category><![CDATA[insurance investigation]]></category>
		<category><![CDATA[medical cost reduction]]></category>
		<category><![CDATA[medical expenses]]></category>
		<category><![CDATA[Patient Advocate]]></category>
		<category><![CDATA[pre-existing condition]]></category>

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<ul>
<p>
<li>If you have a pre-existing condition and have lost your job and health insurance coverage or suffer a gap in your health care for some reason, make sure to </li></p>&#8230;</ul>Share and Enjoy
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	If you have a pre-existing condition and have lost your job and health insurance coverage or suffer a gap in your health care for some reason, make sure to check with COBRA.  There are rules that will not allow you to be denied coverage.


 - http://www.pennypinchinghints.com/insurance-savings/how-to-keep-your-medical-costs-down/241/" title="Email this" target="_blank">Email</a>
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