AARP FINDS THE HYPE, THE LIES, AND FEAR-MONGERING ON HEALTH CARE…BUT IN THE WRONG PLACE. IT IS AARP THAT IS ENGAGING HYPE, LIES, FEAR-MONGERING AND MISINFORMATION
| 09-14-2009 |
OBAMA IS PUSHING US TOWARD THE END OF AMERICA. WHERE THE RADICAL, LEFIST, SOCIALIST OBAMA IS TAKING US: THE CATASTROPHE THAT IS OBAMACARE
| 09-01-2009 |
OBAMA IS PUSHING US TOWARD THE END OF AMERICA. WHERE THE RADICAL, LEFIST, SOCIALIST OBAMA IS TAKING US: THE CATASTROPHE THAT IS OBAMACARE
| 09-01-2009 |
OBAMACARE: THE NUMBER ONE CONSUMER FRAUD:
MORE PROOF THAT OBAMACARE IS A RIP-OFF AND THAT OBAMA IS A CON MAN: AN ANALYSIS OF OBAMACARE FROM THE PERSPECTIVE OF A CONSUMER REPORTER: OBAMA AND OBAMACARE ARE CONSUMER FRAUDS: OBAMACARE IS DISGUISED AS A HEALTHCARE BILL, BUT IS REALLY DESIGNED TO CONTROL ALL AMERICANS
| 08-02-2009 |
A CASE STUDY SHOWING IT IS POSSIBLE TO CUT HEALTH CARE COSTS AND IMPROVE THEIR QUALITY, AND POINTING TO THE NEEDED INGREDIENTS FOR SUCH REFORM
| 05-22-2008 |
THE PERILS AND PITFALLS OF SHOPPING ONLINE FOR AUTO INSURANCE
| 09-04-2007 |
THE CONSUMER FEDERATION SAYS YOU ARE IN “BAD HANDS” IF YOU’RE INSURED BY ALLSTATE: ONE OF THE NATION’S LEADING INSURERS COMES UNDER HEAVY FIRE FROM A MAJOR CONSUMER ORGANIZATION
| 08-01-2007 |
NATIONAL HEALTH INSURANCE: DOES IT SOUND BETTER THAN IT WILL BE. SOME QUESTIONS AND RESERVATIONS ABOUT PANACEAS THAT WILL NOT PROVIDE QUICK AND EASY MIRACLES, BUT ONLY LIKELY DISASTERS
| 07-12-2007 |
NATIONAL HEALTH INSURANCE: DOES IT SOUND BETTER THAN IT WILL BE. SOME QUESTIONS AND RESERVATIONS ABOUT PANACEAS THAT WILL NOT PROVIDE QUICK AND EASY MIRACLES, BUT ONLY LIKELY DISASTERS
| 07-12-2007 |
MAN DOESN’T BITE DOG, BUT WHEN DOG BITES MAN HE ALSO BITES HIS INSURANCE COMPANIES: SOME NOTES ON THE PROBLEM OF BITING DOGS AND THEIR FINANCIAL BITE
| 11-13-2006 |
SOME LONG-FORGOTTEN HISTORY SHOWING HOW BLUE CROSS HAD ITS FINEST HOURS WITH NO SURPLUS (IN FACT, A NEGATIVE SURPLUS), AND ALSO SHOWING WHY IT DOESN’T NOW NEED THE BILLIONS OF DOLLARS IN SURPLUS APPROVED BY THE PENNSYLVANIA INSURANCE COMMISSIONER
| 11-11-2006 |
SOME TIPS FOR SHOPPING FOR AUTO INSURANCE ONLINE, AND OTHER RULES FOR BUYING AUTO INSURANCE
| 10-30-2006 |
WHAT HAPPENS WHEN MY LONG-TERM-CARE INSURANCE COMPANY HITS ME WITH A PREMIUM INCREASE I CAN’T AFFORD AND OTHER NOTES ON LONG-TERM-CARE INSURANCE
| 09-30-2006 |
ON THE STAGGERING PROBLEM OF UNINSURED MOTORISTS, WHAT THE STATE CAN DO ABOUT IT, AND HOW TO PROTECT YOURSELF
| 07-25-2006 |
MOST PEOPLE READING THIS COLUMN DO NOT HAVE ENOUGH HOMEOWNERS INSURANCE, AND WOULD FIND THEMSELVES IN SERIOUS TROUBLE IN THE EVENT OF A MAJOR LOSS
| 05-15-2006 |
THE NAMES OF THE BEST AND WORST INSURANCE COMPANIES FOR PAYING CLAIMS, AND NEW PROOF THAT INSURANCE REGULATION IN THE U.S. IS “WORTHLESS”
| 02-06-2006 |
THE INSURANCE COMMISSIONERS, OTHER GOVERNMENT AGENCIES, AND THE INSURANCE COMPANIES FOCUS ON INSURANCE FRAUD COMMITTED BY POLICYHOLDERS, BUT NOTHING IS DONE ABOUT THE MULTI-BILLION DOLLAR RACKET OF INSURANCE FRAUD COMMITTED BY INSURANCE COMPANIES.
| 10-10-2005 |
SOME INSURANCE LESSONS FROM NATURAL DISASTERS: AND THE PARAMOUNT IMPORTANCE OF FINANCIAL STRENGTH.
| 09-05-2005 |
A SHOPPER’S GUIDE TO AUTO INSURANCE: HOW TO MAKE SURE YOU HAVE THE RIGHT COVERAGE AT THE RIGHT PRICE FROM THE RIGHT AGENT AND COMPANY. (A TWO-PART SERIES)
| 03-07-2005 |
GOVERNOR RENDELL CREATES A FEEBLE, FECKLESS, PHONY OFFICE OF INSURANCE CONSUMER ADVOCATE, ALREADY A SELF-ADMITTED FAILURE. THE EMPEROR HAS NO CLOTHES.
| 02-07-2005 |
HOW THE COMMISSIONS STRUCTURE OF THE INSURANCE INDUSTRY ENCOURAGES AGENTS AND BROKERS TO DO THE WRONG THING
| 01-31-2005 |
BEFORE AND AFTER CHRISTMAS IS A GOOD TIME TO LOOK AT YOUR HOMEOWNERS INSURANCE AND THE COVERAGE OF ITEMS OF SPECIAL VALUE SUCH AS JEWELRY, FURS, SILVER, CAMERAS, ETC.
| 12-20-2004 |
SOME SPECIAL DETERMINANTS OF HEALTH AND LONGEVITY FROM THE PERSPECTIVE OF LIFE INSURANCE UNDERWRITERS.
| 09-04-2004 |
HURRICANE CHARLIE’S INSURANCE LESSONS: GET YOUR HOMEOWNERS POLICY IN SHAPE BEFORE, NOT AFTER, THE LOSS.
| 08-23-2004 |
AUGUST AND VACATION TIME ARE POPULAR MONTHS FOR BURGLARS.
HERE ARE SOME SAFEGUARDS YOU SHOULD TAKE IMMEDIATELY.
| 08-09-2004 |
TEN KEYS TO COLLECTING IF YOU ARE DISABLED AND SUBMIT A CLAIM THE TO THE SOCIAL SECURITY ADMINISTRATION.
| 11-24-2003 |
GOVERNOR RENDELL AND HIS INSURANCE COMMISSIONER ALLOW BLUE CROSS’S SCANDALOUS TREAMENT OF ITS MEMBERS TO CONTINUE, AND FAIL TO TAKE ACTION TO REGULATE OUT-OF-CONTROL BLUE CROSS
| 11-10-2003 |
BLUE CROSS PLANS ACCUMULATE $2.7 BILLION IN SURPLUS WHILE IGNORING THEIR STATUS AS “BENEVOLENT AND CHARITABLE” CORPORATIONS THAT ARE TAX-EXEMPT.
| 10-20-2003 |
THE UNPUBLICIZED 55 MILLION WHO ARE UNINSURED – NOT FOR HEALTH INSURANCE BUT FOR COVERAGE OF THEIR RENTED APARTMENT OR HOUSE
| 10-06-2003 |
HOW HONEST ARE THE AMERICAN PEOPLE?: HOW MANY WOULD LIE TO BANKS, THE IRS, EMPLOYERS AND INSURANCE COMPANIES? READ ON FOR ANSWERS.
| 07-28-2003 |
INSURANCE COMPANIES JUST DON’T WANT TO PAY CLAIMS,
AND THERE IS NO HONOR AMONG THIEVES (I.E. BETWEEN INSURERS):
THEY DON’T EVEN PAY CLAIMS OWED BY ONE INSURER TO ANOTHER.
| 07-01-2003 |
PENNSYLVANIA POLICYHOLDERS: FASTEN YOUR SEATBELT AND PREPARE FOR A ROUGH AND DANGEROUS RIDE WITH RENDELL AND KOKEN AT REGULATORY CONTROLS.
| 05-25-2003 |
DOCTORS AND POLITICIAN MISS MOST OBVIOUS SOLUTIONS TO MEDICAL MALPRACTICE “CRISIS”:
THE FORGOTTEN MEMO OF SOLUTIONS.
| 05-05-2003 |
HOW TO CUT AUTO PREMIUMS BY 50 PERCENT, LOWER OTHER PREMIUMS,
AND HOW TO START SOLVING THE MEDICAL MALPRACTICE PROBLEM.
| 04-28-2003 |
IT'S TIME FOR AN INSURANCE CONSUMER ADVOCATE IN PHILLY:
DENENBERG TESTIFIES BEFORE PHILADELPHIA CITY COUNCIL | 04-22-2003 |
PENNSYLVANIA POLICYHOLDERS SENTENCED TO FOUR MORE YEARS OF A DO-NOTHING INSURANCE COMMISSIONER.
| 04-22-2003 |
WE THOUGHT WE WON THE BATTLE FOR AUTO SAFETY
BUT NOW DETROIT IS RETREATING ON SAFETY ISSUES.
AND FIVE RELATED QUESTIONS AND ANSWERS. | 04-20-2003 |
A SHOPPER’S GUIDE TO AUTO INSURANCE:
HOW TO BE SURE YOU HAVE THE RIGHT AUTO INSURANCE COVERAGE FROM THE RIGHT COMPANY AT THE RIGHT PRICE | 04-07-2003 |
ON HOW MUTUAL INSURANCE EXECUTIVES ARE SHOCKED AND DISTURBED WHEN MUTUAL COMPANY OWNERS (I.E. POLICYHOLDERS) START ACTING AS OWNERS RATHER THAN SERFS.
| 01-18-2003 |
| INSURANCE COMPANY MASS DENIAL OF CLAIMS IS ERODING PUBLIC CONFIDENCE. WHY THE PUBLIC CAN'T RELY ON THEIR DISABILITY INSURANCE AND OTHER KINDS OF COVERAGE. | 01-16-2003 |
| INSURANCE IN THE 21ST CENTURY: | 01-08-2003 |
| AMERICANS SHOULD SAY WE WILL NO LONGER TOLERATE KILLING 40,000 A YEAR ON OUR HIGHWAYS. WE OUGHT TO STOP MAKING EXCUSES FOR THAT TOLL AND START TAKING ACTION. | 12-23-2002 |
| LET'S PUT AN END TO INSURANCE COMPANIES REGULATING INSURANCE COMMISSIONERS, AND APPOINT SOMEONE WHO WILL REGULATE THE INDUSTRY IN THE PUBIC INTEREST. | 12-09-2002 |
| THE INDUSTRY THAT WANTS TO DO EVERYTHING, BUT WHAT IT IS SUPPOSED TO BE DOING. INSURANCE COMPANIES AND THEIR STRANGE VIEW OF CLAIMS. | 11-11-2002 |
INSURANCE IS ONLY ONE WAY TO HANDLE RISK.
CONSIDER SOME OF THE ALTERNATIVES. ONE COLUMN AND 4 Q&As. | 10-28-2002 |
HOW TO BE SURE YOU HAVE THE RIGHT AUTO INSURANCE COVERAGE
FROM THE RIGHT COMPANY AT THE RIGHT PRICE.
| 09-16-2002 |
DON'T MAKE THESE MISTAKES IF YOU'RE A HOMEOWNER OR RENTER.
SOME OF THE COMMON MISTAKES IN BUYING HOMEOWNERS AND RENTERS INSURANCE. | 09-02-2002 |
HOW TO MAKE SURE YOUR INSURANCE COMPANY WILL STILL BE AROUND WHEN IT COMES TIME
TO PAY A CLAIM.
| 08-18-2002 |
INSURANCE COMPANIES, INSURANCE AGENTS AND STOCKBROKERS: CONSIDER LISTENING TO THEM AND THEN DOING THE OPPOSITE.
THEY SAY THE INTERESTS OF THE CLIENT COME FIRST; COMPANY TRANSLATION: PROFITS FIRST, CLIENTS LAST | 05-20-2002 |
DOCTORS AND POLITICIANS MISS THE POINT:
THERE'S A MALPRACTICE INSURANCE CRISIS | 01-01-2002 |
CLAIMS HEART AND SOUL OF INSURANCE TRANSACTION, BUT
INSURANCE INDUSTRY MISSES THE POINT. | 12-17-2001 |
WHAT INSURANCE COMPANIES AND MEDIA USUALLY OVERLOOK:
THERE ARE TWO KINDS OF INSURANCE FRAUD: BY CLAIMANTS AND BY INSURANCE COMPANIES. | 09-04-2001 |
| THE DISTORTION OF NATIONAL PRIORITIES AND ELEMENTARY MORALITY: PUTTING THE WEALTHY FIRST AND POOR CHILDREN LAST. | 08-23-2001 |
HOW TO CHOOSE BETWEEN HOUSE AND SENATE VERSION OF HMO BILL.
SENATE PASSES BILL OF RIGHTS; HOUSE PASSES BILL OF WRONGS. | 08-06-2001 |
| DON'T BE BRAINWASHED INTO THINKING IT'S IN THE PUBLIC INTEREST TO PROTECT HMOs FROM LAWSUITS. THAT JUST MAKES THEM UNACCOUNTABLE AND IRRESPONSIBLE. | 07-02-2001 |
| INSURANCE INDUSTRY FAILING TO USE THE INTERNET TO CUT COSTS, LOWER PREMIUMS, AND MAKE INSURANCE MORE READILY AVAILABLE. | 03-05-2001 |
| WHY YOU PAY TOO MUCH FOR INSURANCE, GET THE WRONG COVERAGE AND OFTEN CAN’T COLLECT ON YOUR CLAIMS: | 02-26-2001 |
| Are Insurance Companies Your Benefactors, Or Are They Merely Trustees or Custodians of Your Money? | 12-07-2000 |
| DECEPTIVE LIFE INSURANCE SALES PRACTICES CONTINUE UNABATED DESPITE PHONY REFORMS. | 12-13-1999 |
| TAKING THE PROTECTION, SECURITY AND PEACE OF MIND RIGHT OUT OF THE POLICY: IMPROPER CLAIM DENIALS. | 11-13-1999 |
THE SECRET RIP-OFF HOW POLICYHOLDERS GET CHEATED
Part I | 09-20-1999 |
THE COMMISSIONER AND THE LEGISLATURE:
ADJUNCTS OF THE INSURANCE INDUSTRY | 09-20-1999 |
| ON LIFE INSURANCE: PART I | 02-11-1999 |
| ON LIFE INSURANCE: PART II | 02-11-1999 |
| THE MOST COMMON INSURANCE MISTAKES: PART I | 02-08-1999 |
| THE MOST COMMON INSURANCE MISTAKES: PART II | 02-08-1999 |
| THE MOST COMMON INSURANCE MISTAKES: PART III | 02-08-1999 |
| HOW TO SAVE MONEY ON LIFE INSURANCE BY BUYING TERM INSURANCE: PART I | 12-01-1998 |
| HOW TO SAVE MONEY ON LIFE INSURANCE BY BUYING TERM INSURANCE: PART II | 12-01-1998 |
| INSURANCE REGULATION: OF, BY, AND FOR THE INSURANCE INDUSTRY | 11-23-1998 |
A CONSUMER’S GUIDE TO ASSERTING INSURANCE CLAIMS:
SOME MORE LESSONS FROM NATURAL DISASTERS. | 08-05-1990 |
Herb Denenberg is a former Pennsylvania Insurance Commissioner, professor at the Wharton School, and
Pennsylvania Public Utility Commissioner. He is a member of the Institute of Medicine of the National
Academy of Sciences and is a board member of the Center for Safe Medication Use. He is an adjunct
professor of insurance and information science and technology at Cabrini College. You can write Herb
at POB 7301,St. Davids, PA e-mail him at hdenenberg@aol.com or reach him at his two Web sites:
thedenrep_archive.org or denenbergsdump.org
