My Apple Iphone

This is not a health insurance question or solution but just good advice for my readers who have Apple Iphones. I dropped my Iphone yesterday. I placed it on the counter in the bathroom and dropped the iphone on the tile floor. For some reason, it didn't break. Lucky... You really cannot buy insurance to cover the Iphone if you drop it but I highly recommend a soft shell case to cushion any falls. My phone had a hard case that didn't provide any protection.

Maternity Riders - What's the best alternative?

The best maternity rider that I've found is offered by Assurant. Instead of offering a limited benefit with a limited amount of coverage like most companies, Assurant has a different angle on it. The Assurant maternity rider provides coverage for maternity just like any other covered illness or injury but with its own deductible. The rates seem to be extremely reasonable. For a $2500 deductible, the rider is less than $200 per month. The waiting period before coverage is effective is also liberal. Its expensive to have a baby but Assurant makes the bottom line reasonable for those of us having to buy our own insurance.