Affordable Medicare Advantage plans Premium

There are many, many people who absolutely under no circumstances, can they afford a monthly premium (either for a Medicare Supplement Policy or a Prescription Drug Plan). I am of the opinion that if you can pay a premium for Medigap and a Part D Plan (and it is worth shopping around), you should pay the premiums and end it. However, if you cannot afford it, there may be plans that offer Original Medicare protection (plans, for example, that provide a full MOOP or a maximum outlay).

When Advantage members get a warning from their insurance company that their Medicare Advantage plans will not be renewed, their first response would be to get angry. Most of us like a certain degree of certainty. Removing the carpet under our feet, especially when it comes to insurance and medical care, is disturbing. If we understand the reality of how an Advantage plan works, we can anticipate possible changes. When an insurance company hires CMS (Medicare and Medicaid Centers), they agree to an annual contract in a county or defined service area. By design, you should keep in mind that things can change from year to year. Understanding this can alleviate any anger.  Quotes on Medicare Advantage plans are free.

When you are making plans to buy Advantage plans Medicare, begin from the website of Medicare or speak to the insurance agent of your community. It is also a great idea to browse online where you can analyze firms. You may discover that there are lots of firms that serve where you reside and they are very competent. A lot of persons commit the error of believing Medicare insures them for the forever, but there are limitations to what Medicare can do.

Medicare Advantage (Part C) plans are essentially a way of combining the benefits generally provided in Parts A and B of the national Medicare program, but it has become extremely confusing for many eligible people. A part C plan is similar to what would be received in benefits A and B, but actual coverage terms vary by the provider you choose. Each of the four sections of the Medicare plan entitles you to different types of medical coverage. For hospital stays and other types of long-term care, you should receive Part A benefits. For routine medical visits, medical appointments, examinations, exams and other regular outpatient care or surgery, you would have to obtain the benefits of part of the SI.

Better services with Medicare Advantage plans

Medicare Advantage plans 2020According to Kathryn Nix, a policy analyst at the Heritage Foundation, many comparative studies have continuously shown that Medicare Advantage plans 2020 offer higher-than-average medical services to policyholders and have better health outcomes for patients. The superior services offered by this program have contributed to the popularity of Medicare Advantage plans. People with Medicare can get medical assistance through the original Medicare or Medicare Advantage (Part C) program. Medicare Advantage plans consist of HMO, PPO, private rates for service plans and special needs plans. Of the more than 10 million people enrolled in Medicare Advantage plans, most are enrolled in HMO, available since the 1980s. To help your parents (or you) make an informed decision, they must understand how these plans work and then decide which plan is right for them. The following is a brief description of each of the types of plans.  Sign up for Medicare Advantage plans 2020 today.

If a person chooses to receive a traditional Medicare rate, they can usually use any doctor or hospital that accepts the Medicare assignment anywhere in the United States. However, Medicare has deductibles, co-payments and cost-sharing requirements that can wreak havoc on budgets. To help pay for these additional expenses, many people buy complementary Medigap or Medicare policies. The other big selling point of Advantage plans is low cost combined with expanded coverage. Plans must provide all traditional Medicare benefits by law, but most plans add additional value. They usually pay benefits for dental services, help with hearing aids and offer some vision care coverage. Also, there is yet another benefit to choosing an Advantage policy. They provide guaranteed acceptance for every pre-existing health situation, apart from end-stage renal disease (ESRD). With these benefits, it is difficult to understand why more Medicare beneficiaries are not exploring this option. This could offer additional coverage for the same price they are already paying.

With less funds for their Advantage plans of Medicare, UHC was “forced” to re-engineer its provider network, meaning that the 14 million Advantage beneficiaries of UHC Medicare may need to seek for new insurers. For example, leaving your network or the insurance company that files for bankruptcy are situations in which you would qualify for a special enrollment period outside of open enrollment. MA’s plans have made sure they avoid needless hospitalizations by improving the use of outpatient services and medical appointments. Re-entries have also decreased due to well-planned, superior and well-planned procedures and the coordination of medical care.

Medicare Advantage plans are not supplements

Medicare Advantage plans for 2021Medicare benefit plans are often confused with Medicare supplements. Medicare Advantage plans for 2021 are better. If you need coverage visit to get a quote. Supplementary plans, also known as Medigap plans, are standard insurance policies that fill the gaps in Medicare Parts A and B. Medicare Part A is for hospitals and Part B is for doctors and other medical services. Under Part A, the government pays 60 days of hospitalization, except for a deductible of $1132 in 2011. Medicare Part B has a small deductible of $162 for the new year and then gets 80% of approved medical services. The supplement It is available in several models, most of which pay the Part A deductible and the 20% difference in Part B. The Medicare program consists of four parts: Part A, the first part of the program is the hospital insurance plan that covers the requirements for hospital and hospital care, which include room, meals, required exams and doctor’s fees. There is also coverage for nursing homes or qualified skilled nursing homes pending. Part B, on the other hand, deals with medical insurance. This is the factor in which outpatient procedures are addressed; this includes consultations and procedures performed within the clinic.

A Medicare Advantage plan can be a health plan, a PPO plan, or a particular service charge or a particular service charge. The HMO Advantage plan remains a popular option, especially for Medicare Advantage plans for 2021 beneficiaries who want to pay only as little as possible from their pocket and low or no monthly premiums. However, HMO Medicare benefit plans are only offered in metropolitan areas with a large number of Medicare beneficiaries. In contrast, a Medicare PFFS or Private Fee for Advantage Service plan allows the Medicare recipient to visit any doctor, any hospital of their choice. Not surprisingly, this type of Medicare benefit plan is enjoying great popularity among Medicare beneficiaries. Now that you understand the difference and the different plans, you must determine if this is the right plan for you. You should determine if it makes more sense to pay now or later, but choose wisely and know the details of your specific plan and if your doctors are in the network. Sometimes, welfare benefits, such as dental and hearing, are the key to making a decision. Certainly, if you cannot pay the premiums for a traditional Medicare supplement, this is a good option. If you know someone who is not happy to have an Advantage Plan, you probably have not searched the web. Choosing a Medicare benefit plan is an important decision, but with the right information, it doesn’t have to be overwhelming. Now that you know that Medicare Complete is a benefit plan, it is up to you to do your homework and determine if the plan is right for you.

Obtain a suitable Insurance for your Motorcycle

Obtain a suitable Insurance for your Motorcycle

To protect against anything that could happen to the driver or the motorcycle, motorcycle insurance is essential for any motorcycle owner. Therefore, it is important that you do the right research to find the best insurance policy for your bike with maximum coverage. Receive quotes from various insurance companies for premiums and plan protection and compare. There are no limitations on the amount of quotes you collect; Use the many online tools and resources available to collect and compare budgets and find how much motorcycle insurance is and the policy that fits your budget and meets your requirements. Get quotes by visiting

Include certain safety devices to your motorcycle, such as security alarms and tire locks to lessen the amount of the insurance premium. The place where you reside is very key in deciding how much you will pay. Usually, those who live in the city center face a high possibility of theft and are more likely to damage their vehicle. Therefore, people living in urban areas attract a higher premium than people living in a rural area.The vehicle you own can greatly affect your premium. Insurance for an expensive bicycle will be more due to the higher costs involved in the repair or replacement of a part. The same goes for high-speed motorcycles and older motorcycles, for which it is difficult to find parts.

When you are sure you will not use your bicycle for a long time, temporary motorcycle coverage is the best viable alternative. Even if you have bought it or plan to sell it, a one-day or one-week temporary plan is enough to ensure your safety. Prevention is better than cure and now you have the option of obtaining it for a shorter period at a much lower cost.It is important that you give the correct answers to all questions, especially those related to security, as it increases the chances of receiving lower premiums for your insurance policy. However, signing up for the best insurance policy for motorcycles with maximum insurance can be quite exorbitant for your budget.

The age of your motorcycle is another factor that insurance companies take into account. The older your motorcycle is, the lower the fees will be, because if it is stolen or damaged, your insurance company will have to pay less money to replace or repair it. Also, if you have a good driving record without serious traffic violations, it will be easy to find cheap motorcycle insurance. If you have many demerit points, your insurance company will consider you a high risk driver and your premiums will be higher. In addition to the factors mentioned above, your credit score and your marital status also affect motorcycle insurance rates.

Cheap Homeowners Insurance Guide

Cheap Homeowners Insurance Guide

If you currently have homeowners insurance, is it as affordable as your needs? Do they provide enough or too much coverage? Ensure you can see a summary of what will be covered exactly before accepting anything and signing up. It is not so difficult to find legitimate and affordable homeowners insurance from an accredited company online as you might think. All you need to do is read the comments of other multi-owner firms and search for one that is totally transparent. Be sure to check your policy once a year, as many things can change in just 12 months.

Decide whether or not to reduce the deductible to save money on the premium every month. As with any type of insurance, the rate itself is not the only criterion to consider. You should also think about the franchise, how much of the property will be covered, all kinds of potential threats that you will be protected from , injuries, floods, robberies, fires, etc. and if the amount of protection you get will be worth the price. Also, how much money will it take to rebuild the house if it is irreparably damaged?

Some of the things you may need insurance for include:

  • Liability insurance in case someone is injured on your property.
  • Protection for content INSIDE homes such as electronic products, jewelry, furniture, appliances, etc.
  • Protection for the home itself, as well as for any other building on the property, such as a storage shed or an individual garage.
  • Protection against any possible risk that may damage your property and its contents, such as fires, floods, hurricanes, landslides, etc.

If you live in a weather-prone area, it may be a good idea to get insurance to cover additional expenses if you need to leave and stay somewhere while the damage is repaired. In addition to the basics, you should also consider accessories, such as value-added features for electronics, jewelry, furs, antiques, etc. and special limits.

An important factor in the insurance industry is that each company has developed its own vision for its target customers so get rates from This means that you need to find the company that offers the insurance that best suits your needs. Be sure you understand how the claim process works. Different companies may have different ways of paying claims. The best insurance for you may not be the same for a relative or even someone who lives across the street.

Compare Medicare supplement plans Before Buying a Plan

Compare Medicare supplement plans Before Buying a Plan


Before you can obtain affordable Medicare supplement plans, you need to compare plans first. You can have plenty of options when you use the tool of eHealth. There are options for you for medical, vision and dental plans provided by Progressive Health.


eHealth offers a free service that lets you compare and find plans easily. This tool has an A+ rating from the Better Business Bureau. Thus, you can be sure that it is a trusted provider for your Medicare supplement plans plans. It can help you find the best plans suitable for your needs and budget. You can choose a plan during the open enrollment period or opt for a plan during a qualifying life event.


It can even assist you in applying for the Affordable Care Act (ACA) tax credits. It is committed to helping you obtain the best plan. You can also find more information on the Affordable Care Act and how to apply for a subsidy.


Furthermore, it can help you better understand how much Medicare supplement plans coverage that you need and how to compare one plan to another based on the benefits and costs.


Ideally, you have the right medical insurance so that you can protect yourself and your family from financial loss. Keep in mind that treatments for illness or injury can cause significant damage to your finances if you do not have any health protection.


eHealth is here to give you the right methods to compare premiums and plans without the need to go from one insurer to another.


Individual Plan

An individual Medicare supplement plans plan will help pay for the overall cost of your healthcare. It can give you coverage for medical emergencies, preventative care, and prescription medicines, among others. But it involves a monthly premium. You will also have to pay for a copayment and a deductible so that your plan will start covering you.


Family Health Plan

It functions just like an individual health plan. But it will not only cover you. Rather, it covers your spouse and your kids. It gives coverage to your loved ones under the same plan.


Short-Term Health Plan

This is temporary coverage that can give you protection within three months or up to three years. It is 80% cheaper than the majority of health plans. However, unlike a major health plan, it has limited benefits. This type of plan is not required by law to cover you for your pre-existing condition. It also does not cover mental health and maternity leave.


Vision Coverage

Most health plans do not include coverage for eye care. But eye care is vital for your general wellbeing. Thus, you should consider obtaining it to further reduce your out of pocket expenses when you need to undergo routine exams. It can also cover you for contact lenses or eyeglasses.


Dental Insurance

The plan can start at $8.85 per month. But it depends on your policy. The coverage may include preventive and basic care, such as dental fillings, x-rays, and oral exams.


ACA Insurance

eHealth will make it easy for you to apply for a government Medicare supplement plans plan. It gives you an application guarantee to ensure that your application will be received on time.


Health Savings Account Compatible Health Plans

These plans are quite different from other health plans. The money in your health savings account will grow. Thanks to the tax-free interest. Furthermore, you can choose to deduct all of your contributions from your income tax. However, you will need to pay for a monthly maintenance fee, depending on your plan.


Medicare Medicare supplement plans

It is a type of coverage that will help you pay for hospital, medical and prescription medicines. However, Medicare involves a lot of out-of-pocket expenses left. This is where a Medicare supplemental plan or Medigap becomes useful. It can help pay for your deductibles, copays and other out-of-pocket expenses.


You may also choose to obtain a standalone prescription medicine program that offers coverage for your drug costs. It is easy to browse insurance plans in your area through eHealth. If you need further help when obtaining Medicare supplement plans, consider calling one of the 200 licensed insurance agents of eHealth.


Small Business Health Plans

If you are a business owner, you can purchase group health plans for your employees. You can only qualify for such a plan if you have at least one employee. Once registered, you can contribute to the employee’s premiums.


As per the Affordable Care Act in 2016, businesses are required to provide affordable health plans to their employees. They will pay a tax penalty if they failed to provide a health plan. But this is only applicable to businesses with more than 50 employees.


The overall cost of a group Medicare supplement plans will depend on your business’ location and size, as well as the age of your employees. However, the health of your employees will never affect your rates. Get quotes for Medicare supplement plans now.


Group vision insurance

It can pay for eyeglasses, eye examinations, and other eye-related care. You are not required to provide such a plan but you will get tax incentives for doing so.


Group dental insurance

There are plenty of options for a group dental plan that will cover for free cleanings. They can also cover regular checkups. You can purchase this plan through eHealth.


Critical Illness Insurance

Having a regular Medicare supplement plans plan will still let you face out-of-pocket expenses. But with a critical illness plan, you will get lump sum cash payment if you get diagnosed with a serious health condition, such as stroke, cancer or heart attack. It does not have any copays or deductibles.



It is a vital plan where you get a lower cost for a telemedicine service. This type of service is useful if you do not need physical contact with your nurse or physician. You do not have to go to your doctor’s office, for instance, to inquire about your illness. Instead, you can talk to your doctor or nurse online about your condition. Healthcare providers can assist more patients in this way. For that reason, getting such a plan will give you more convenience when it comes to taking care of your health.

Disabled People Under 65 Needing Medicare Supplement plans in 2020

Disabled People Under 65 Needing Medicare Supplement plans in 2020

There are many inquiries about Medicare Supplement plans in 2020, when it relates to people who are disabled and under the age of 65. There are many protocols one must follow before a person receives any compensation. Every item on the government form must be filled in correctly and to the best of the knowledge of the person filling the form. You could be penalized or rejected if the forms are not properly filled out. If you qualify for disability income, there could be a two year delay before a person may be eligible for Medicare Supplement plans in 2020 A and Medicare Supplement plans in 2020 B. It may take some time before you will receive insurance. The government will have their own conditions to give out the insurance. One should check their own state to see what is needed to get disability insurance. If you do qualify, then you will be able to receive insurance and your state may pay for it.

People who have worked for years, have contributed to social security for their future or if they may need disability payments. President Obama signed the Affordable Assistance Act to help people receive benefits. It is not explained whether a person has earned their income and if they have social security credits due them. We are all trying to getting health insurance simplified and more available to people. The Low Price Health Care Act may have tried to help this come about. Hopefully this will become easier for the people to access benefits they are seeking. Obtain Medicare supplement plans in 2020 to save.

As people get older or have parents that may need help as they age, they may start looking for long term care insurance. Some insurance agencies may not deal with or sell these policies, because they are expensive. The long term care policy premiums may be very costly and they continue to increase yearly, so everyone is not able to afford this kind of insurance for the aging parent.

When Donald Trump was running for President, he claimed he would look into this expensive insurance and try a find a solution to this problem. Even Congress has not been able to agree on how they will be able to help to make these health care insurance policies less expensive for the people struggling to pay their monthly bills and then the added expense of long term health care insurance. Hopefully they will all work together to find a solution.

Humana Health Insurance

Humana Health Insurance


Based in Louisville, Kentucky, Humana health insurance company offers a wide array of insurance products. The plans are accessible in 13 states, including Louisiana, Michigan, Mississippi, Georgia, Arizona, and Alabama. You can also purchase supplemental health plans and life policies.

The company administers the TRICARE program of the Department of Defense for the last 15 years. It supports programs that resolve the healthcare issues faced by many veterans.

In terms of strength, the company is financially stable. The company began as a nursing home. After its inception, though, it has continued to expand its business in the healthcare industry. Currently, it has more than 13 million members. It also includes a network of over 350,000 healthcare providers. Plus, it has over 3,000 hospitals in its network. To obtain quotes and compare rates visit


The Humana Health Insurance Cost

Humana provides a wide array of insurance policies. Because of the variety of products available, you can be sure that you will have a plan that you surely need. In addition to health plans, you can purchase dental insurance, obtain pharmacy services and vision insurance, as well as Medicare and Medicaid policies.

The company’s health plans are available to individuals, seniors, families, self-employed and military personnel. The company wants to change the perception of the public that Humana is not just a health insurance provider. Instead, it is also a provider that encourages its members to live a healthy life.

It offers many health insurance programs that can only be accessed by its members. When you become a member, you can access the plans by logging into your account.

There are several types of health plans you can pick. The most popular ones are HMOs and PPOs. HMOs are limited. However, if you need treatment, you must stick within your plan’s network. Else, the treatment will not be covered.

For PPOs, you can choose to get treated in or out of your network’s plan. However, the out-of-network coverage will only be partial. Hence, if you wish to save money, you must only visit the hospital or use the clinic that belongs to your plan’s network.

The insurer offers traditional indemnity plans. They offer you more flexibility as you can choose a healthcare facility or doctor that you prefer. However, this plan is the most expensive than HMO and PPO.

Personal Nurse Service

It is Humana’s program that allows you to access a nurse on an ongoing basis. It is a type of service for individuals with a serious medical condition, such as diabetes and hypertension.short term health insurance

When you work with a nurse, you study your health goals and know more about your treatment options. With this program, you are better informed about your health and you will have more control over your health.

Although this program aims to help you live a healthier life and manage your condition, it does not replace your doctor. Your nurse will only assist you as you work with your doctor. The nurse will also communicate with your caregivers to give you the best treatment.

As long as you are a Humana member, you will be working with one nurse. Having a personal nurse working with you will assist you in any way, which is useful especially during a medical crisis. The nurse will also help you in managing your symptoms. You will have someone to tell you what to do whenever you encounter some health issues.

What is an Urgent Care Center

It does not work like a hospital’s emergency room. However, it is a useful center where you can go to when you need treatment for your minor illness or injuries.

When you visit such a care center, your treatment will receive special savings. It lowers your copays. The overall healthcare cost here is affordable. You can also save money on medical services, as well as copays. Compared to the cost of an ER visit, an urgent care center is more affordable.

The medical service is also fast. That is, you do not have to schedule an appointment to obtain its services. The waiting time here is shorter than going to an emergency room. When it comes to quality care, it is excellent as the services are managed by nurses and doctors.

Humana members can go to an urgent care center if your illness is minor. However, if your condition is life-threatening or it is a serious medical event, you should visit the nearest hospital.

Whenever you need a non-emergency medical service, the ideal option is to visit your primary care doctor. He can look into your medical history and medications to treat you better. However, you cannot call him after office hours. Thus, if you need treatment after those hours, you should consider going to an urgent care center of Humana.


Choosing an In-Network Provider

You can start by finding a doctor that you can partner with to know more about your options. The doctors and hospitals that belong to your network offer a reduced rate.Humana offers enhanced web features to help you find a doctor that belongs to your plan’s network. Its find a doctor tool is easy to use to help you locate the right family doctor within your network. This type of doctor is cheaper than getting a regular physician. As you use a PCP, you can guarantee that your healthcare is monitored by one person.


Finding Medical Help When You Travel

It is difficult to get medical help as you travel away from home. However, if you need treatment when you travel, call the company’s customer support first to choose a provider in your plan’s network. When picking a Humana health insurance, you should know its limits and exclusions first. Apart from health plans, this insurer offers vision and dental policies. You should also know that these plans have waiting periods.short term health insurance

Applying for a Humana health plan requires verification of your eligibility. Keep in mind that you cannot purchase a health plan if you are not a US citizen. If you are incarcerated or in jail, then you cannot shop for a Humana health plan.

There are many Humana health insurance options you can find. But you must study them all to pick the right plan based on your healthcare needs and budget.

How Healthcare is Reinvented Through Digital Transformation

How Healthcare is Reinvented Through Digital Transformation

The digital healthcare market is expected to reach $206 billion by 2020, as a joint study by SAP and Oxford Economics found that close to 70 percent of healthcare companies plan to digitally modify their activities, while almost 61 percent believe this will raise the satisfaction level for patients.Today, most healthcare providers have solid digital transformation plans and their efforts are changing the way they provide healthcare through new and innovative methods. Today’s hospitals provide outpatient, hospitalization, outpatient and day surgery services; access to patient records; and telemedicine in different ways through renewed processes and technology-enabled execution. Find the best rates here

How can insurers prepare for tomorrow’s demands even if they meet today’s expectations? The purpose of this publication is to postulate that many insurers do not recognize the importance of claims management for their business, even when they focus on many of the other strategic imperatives they face. Let’s explain why we would say that.It’s an open secret that customers are always happy with a good grievance experience, but they tend to get very angry and start posting negative comments online when their complaint is postponed, disputed or rejected. While the claim that satisfaction is a very critical aspect of the overall customer relationship management challenge of insurers, it is just a work in progress for most at this time.

While there are likely to be several as well as unforeseen limitations, one thing to remember is if/when the government oversees and administers this program, how will the policy be kept out of it in terms of restrictions on coverage, access, and certain efficiencies, services, etc. After all, it is believed by many that the idea of efficiency in government is an oxymoron!Be careful of any proposal that is not exhaustive, detailed and prepared for possible contingencies and ramifications! A conscientious, educated and informed citizen must demand all the facts!

There are several hundred thousand employees of health insurance companies and a few million employees of general insurance companies! If there is no private option, what will happen to these people? In addition, paperwork claims will be reduced, making health insurance the only payer, probably far from the full picture. When political challenges are remembered, about a decade ago, when Congress passed the Low-Cost Health Care Act, does anyone really believe that this program would have any chance of being approved at the most desirable and uncompromising way, in both houses of Congress? Wake up America, and stop, being fooled by empty and rhetorical promises, and demand, well considered, details and contingency planning! If we want things to get better, we must take personal responsibility and pay close attention.

Motorcycle Insurance Rates: Can You Reduce Them?

Motorcycle Insurance Rates: Can You Reduce Them?

Today, rates for motorcycle insurance are expensive. It is a real struggle for most families to make payment progressive motorcycle insurance bill every month. Motorcycle insurance premium differ all the time. So if you wondered how much is motorcycle insurance and it is a problem for you, what can you do? The auto insurance industry is a massive industry. It is also highly competitive, and motorcycle insurance rates differ over time as progressive motorcycle insurance companies compete for business. Motorcycle insurance rates are usually very soft.

It is completely possible to reduce the cost of your motorcycle insurance rates by changing their behavior, and you can do this by better understanding how rates are evaluated. Motorcycle insurance rates are based on a risk assessment. While insurance companies vary their fees to compete with other insurers, they also differ based on the risk assessment of a particular driver who drives a particular motorcycle. They do this because it makes no sense to buy companies with low motorcycle insurance rates and then secure high risk drivers at those rates. This is a recipe for losing money.

Therefore, if you reduce your risk, reduce your motorcycle insurance. Like

reduce your risk? Well, there are several ways in which your own driving and motorcycle behavior can affect your motorcycle insurance rates.

Check out the motorcycle you drive. Is it suitable for your current needs? If not, would it be worth considering a change? Different motorcycles attract different motorcycle insurance rates. High-powered motorcycles, sports motorcycles, and vehicles with higher theft risks attract bigger premiums. For how long have you owned your vehicle and will it be okay to think of another that would be cheaper to insure and more useful to you? Are you a safe driver? Do you follow the speed limit? Do you risk other driving crimes? Many individuals have no thought of some of the dangers of speeding fines and driving offenses except they have viewed their motorcycle insurance bill.

Your risk profile is a direct result of your driving record. A clean driving record and will be rewarded with cheaper rates. A poor driving history and will usually be penalized for some time. Do you have the willingness to attend courses for driver training? Many progressive motorcycle insurance companies give particular discounts to drivers who attended any course. Do you have the willingness to drive less? Can you share the motorcycle or make use of public transportation for work? Motorcycle insurance companies analyze the amount of direction their customers take when evaluating their motorcycle insurance rates.