One way to lower drug costs is to import prescription drugs. The big drug manufacturers will have a fit about that, but your budget might like it. Can it be done? Well, as far as a good idea goes, it is a good one but no one is certain if it could really be done. But what can be done is buying your drugs online from another country and saving big dollars. For instance, buying drugs from Canada is way cheaper than buying drugs in the U.S.
Of course, these are minor issues when it comes to the whole system. Frankly, health reform may change how Americans buy their drugs and may change how big pharma prices them. We can all hope anyhow. Generally speaking, people are still in the process of trying to keep up with the ever-increasing cost of medical care and wondering what will stop it from escalating even further by the time 2014 hits. Then what will we do?
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It depends what side of the health reform debate you are on as to whether or not you think health reform is a good or bad thing. From a purely objective point of view, ensuring that all Americans have access to health care is a laudable goal. It is how we get to that position that is causing problems. Along the way someone will suffer when health reform gets going full swing. That is just the way the system works – rob Peter to pay Paul.
This raises the old rumors, which maybe are not so old, that seniors will be the ones to lose the most when health reform really kicks in. But what about the physically and mentally disabled? Has anyone wondered how their health care needs will be addressed in a new system? Has anyone stopped to wonder who will pay for the homeless who will be mandated to have health insurance come 2014? If you said the taxpayers, you would be right. So really, how does that system differ from social medicine in say, Canada? Just food for thought.
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Shopping for health insurance is about tenacity and also about comparisons. It is not always easy to find a good site to roll out the facts ma’am and give you side-by-side quotes. When you find a site like that, you have literally struck gold. Try benepath.com and you will be very pleased at the results you get when you hit search for quotes.
Benepath will save time and money, and is that not what it is all about when it comes to finding a decent health insurance quote? We all hate to spend a lot of time fussing about quotes and plans and co-pay this and that. Since Benepath spells it out for you, you spend less time wondering what you’re going to get.
This does not mean you should not call them and ask questions. It means you have more information to work with and knowledge is savvy purchasing power.
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People really hate the unknown. The fear of trying something different after being used to something they liked. Co-pay benefits are like that. If you worked for a company that offered co-pay, you got used to seeing the doctor and having the tab picked up by the company. You might even have had some of the diagnostics picked up as well.
If you quit the company and go out on your own, and still want a co-pay arrangement, you are going to get the shock of your life. They are very high end expensive, and the premiums are prohibitive for a solo person. They are usually something larger companies and corporations choose to have on hand as a perk for their workers.
Although it is a shock trying to adjust from a co-pay arrangement to one where you are paying the bills, it can be done with grace and not a lot of cash either. You just have to be smart and shop around to see what kind of deals you can get to suit your circumstances and budget.
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This is another interesting question, and it all depends on your point of view as to whether or not you are getting good value for your money. Look at it this way. Picture an expensive restaurant with an a la carte menu. Most of them do not tell you how much the dish you ordered is going to cost you when all is said and done. However, no matter what you do order and consume, you have to pay for it. Well, It is the same thing with co-pays. A co-pay plan may pay about $40 for a $50 benefit.
If you’re hooked on co-pay because you think you are getting value for your dollar, you might want to take another look at that assumption. The co-pay really only covers the doctors office visit. If you go any place else for tests, you pay the freight. It is extra. Sad but true, many people have no idea how much the real cost of service is when they visit the doctor.
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You might not know this, so here is the scoop. Co-pay coverage only pays for the visit to the doctor – period. It does NOT pay for lab tests and other things ordered. Those are separate, and those add up quickly. So be prepared.
This is one of those situations where you really need to know what your co-pay plan actually offers, not find out later. It is a funny thing, really, that a lot of people feel they pay less at the doctor’s office when they have co-pay coverage. That’s not the truth.
For instance, co-pay only pays about $30 for a $40 benefit. It is a small benefit, and not really worth it! Know what your co-pay plan really does cover and how much. This will save you some nasty surprises later.
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You might not want to know this type of information, but actually it is vital that you do if you are to understand the pickle the health care system is in today. Let’s take the example of a broken leg. The price tag for that misadventure is over $20,000.00 – you read that right, over twenty thousand dollars. And that is just for a non-complicated fracture. If there is anything else that needs to be done – listen to the ka-ching!
If you have health insurance this is a bonus, if you do not, guess who pays the bill. Right – you do. How many Americans in this day an age have $20,000.00 on hand to pay that kind of bill? Not many. This is precisely what insurance is for – the major catastrophic events in your life, not the sniffles and fever.
Get wise to how much you pay for services when you demand health care, and you will start to see just how much sense it actually makes to be insured and not take the chance.
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Life Stage Health Insurance Plans
Categories: Health Insurance Posted by jferris on 7/17/2011 2:50 PM | Comments (0)
It only makes good common sense to figure that if you are 20-something, your insurance needs are going to be far different than if you are 50-something. Well, pick any two ages that are diverse enough and you will get the idea.
But still, what do you need and how do you know what you need? Tough questions, and ones that you really should get answered by insurance agents who know what they are talking about. It is fine to go online and search for answers to your questions, but you have to realize that you won’t find all the answers. It is totally impossible to put everything you need to know online.
Pick up the phone and make a call to a local agent and start asking questions. If you want to start with what you found on the website, go ahead, but remember that what you see on websites is the preferred rate for the “perfect” insured. There are not too many perfect insured’s out there.
You will need different things at 20-something – like protection for a broken leg. At 50-something you may be shopping for high blood pressure meds. Ask the agent, and don’t guess, or you will wind up getting something that will not work for you.
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Well, maybe the better question is are the big name health insurance company health insurance quotes any better than others? In some instances they may well be, if you happen to be working from the point of view of managing an existing condition and can prove it. This of course goes to certain riders or waivers. They may also have some dandy deals for you – but – having said that, READ THE FINE PRINT.
Big name companies are not as flexible in offering you various things that may make your health insurance quote just that much more personal. They are a big box company and they offer what they offer – period. This is a little like using brand name drugs. Just because it is a big brand name does not mean they/it are going to be good for you.
Smaller companies tend to offer better, more personal service because they are genuinely happy to have you as a customer. They are there to help you get what you need. So go for the personal service and better rates. You’ll be happy you did, and so will your checkbook.
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If you want personal health insurance, then you have to get a personal health insurance quote. It is just that simple. This is why you want to be calling your local health insurance agent, because they know what’s what in the various local networks. Hey, It is free advice and the quote is custom tailored to your needs.
To get what you want, you have to share what you need and what your goals are with the agent. Might as well be honest about it too, because if you aren’t and you get caught later, you run the risk of having your health care insurance yanked. So include pre-existing conditions, plans for a family, or health problems the children have, etc.
This information lets the agent find a plan that works for you and your family. Honestly, there are hundreds of various options and you sure will not find them all online. So use health insurance agents who know their stuff and take the hassle out of trying to find something that works. There are thousands of options out there, and you can’t read about all of them online.
To learn more and get a health insurance quote, visit https://www.benepath.com
