While you might wonder why you are paying what you do for health insurance, the bottom line is that you are paying the price to stay healthy. In addition though, you are also paying a price for the insurance company to take the risk of insuring you. Call it a gamble if you will that you won’t break the bank and have too many claims.
So, while you do get coverage for your health issues, you are also paying part of your premium for that insurance company to stay in business. In business the bottom line is money – money to keep operating. If the insurance company has to assume other risks as well, you can bet your premiums will go up. This may be what will happen with mandated health insurance coverage in 2014. Keep your ear to the ground for the changing health insurance trends and the differences in pricing in response to the markets.
To learn more and get a health insurance quote, visit https://www.benepath.com
If you don’t know the difference between a health insurance plan and a medical discount plan, now is the time to learn. Health insurance plans take care of claims you make for medical services provided. In other words, they pay out money to pay for your medical bills.
Medical discount plans are just that – a medical discount for a service provided. They do not pay out anything to cover your expenses and in fact, you usually pay a fee to have the plan and then more money after you get your discount. Think carefully about what you buy. Your health may depend on it.
To learn more and get a health insurance quote, visit https://www.benepath.com
Health insurance pricing is currently very affordable. There is a certain amount of competition going on with insurance companies and they’re able to offer consumers some fairly decent deals. However, with the insurance market changing over the next few years – largely in response to health care reform – the “deals” will no longer be deals.
The prices may be higher because insurance companies are expected to have to assume a greater burden for insuring people and in the process, they will pass their costs down to consumers. While an initial insurance policy may be attractively priced for the first year, to attract business, chances are the price will go up once the first year is completed. Be aware this may happen and to avoid it, you might want to start looking for health insurance now and not wait.
To learn more and get a health insurance quote, visit https://www.benepath.com
Ever wonder just what health insurance actually insures? Join the crowd. Many people think that just because they never use their health insurance, they are paying something for nothing. That is not true. You are paying for wellness; the protection of knowing that if you are badly injured or ill, your health insurance will step in and help you cover the cost of being down and out.
Without health insurance you have no choices other than try and handle an enormous medical bill. With health insurance you not only get wellness protection, you get coverage for the times when you really need it. It’s not paying something for nothing, it’s hedging your bets and being smart.
To learn more and get a health insurance quote, visit https://www.benepath.com
With mid-term elections just around the corner, it’s interesting to speculate what will happen if the face of the current administration changes. The major question on most people’s minds is what will happen to health care reform is the government changes? This is a good question, and some pundits seem to think that it may be repealed.
Health care reform is a hot button issue and no matter what people think and feel, there is always another side to the coin. The main thing to remember is that no matter what happens, the health care system we have today NEEDS to be reformed, because the costs are out of control. How this is achieved is a good question. Whether it will be achieved with a change of government is an even better question. It is something to think about, anyway.
To learn more and get a health insurance quote, visit https://www.benepath.com
As a consumer of health care services in the U.S., you will know that without a health insurance plan in place, you’re going to be paying out a large chunk of change. With a health insurance plan, that’s a different scenario; one you can manage financially. So, you might wonder why you are paying what you do for health insurance coverage.
You’re paying the prices you do for health insurance plans, because selling insurance is a business and a business needs to make money to stay in business. It’s that simple. The insurance company is taking a gamble on you and your health and you are paying them to cover you when you are sick. If you get sick a lot, they lose money on you. If you don’t get sick a lot, they may make money on you.
While it’s not QUITE that simple, because external market factors need to be thrown into the mix, the bottom line is that THEIR bottom line is to make money. Period. In other words, they offer you the service of keeping you well and taking the risk that you will participate in staying healthy.
To learn more and get a health insurance quote, visit https://www.benepath.com
While no one wants expensive health insurance, they do realize they need insurance of some kind if they are to be protected. With the advent of health care reform, this issue just took on new meaning. If health care reform does come to pass and the mandated provisions for health insurance do kick in, what will the costs be?
If you listen to what the insurance companies are telling us, the costs for health insurance will soar because all of the liability is being put back on the insurance company to offer better health care. If the insurance companies have to assume more risks insuring people, you can bet they will raise the prices. If mandated health insurance happens, how expensive will your policies be? And, are you willing to forego a policy and pay a fine instead?
To learn more and get a health insurance quote, visit https://www.benepath.com
We’ve mentioned this before, but it bears repeating – medical discount plans ARE NOT health insurance and in fact, may cost you more than health insurance in the long run. If you have health insurance and get medical care, you may make a claim and get reimbursed. That’s pretty straightforward. On the other hand, medical discount plans only offer a discount for a provided service.
If you get a discount on a provided medical service, that’s nice, but, you won’t get reimbursed for the cost later. That’s money out of YOUR pocket. So, in addition to paying a fee to have a medical discount card, you will also pay for the discounted services in FULL. Buyer beware, because it’s your health and if you can’t get what you really want and need, it’s best if you buy a real health insurance plan.
To learn more and get a health insurance quote, visit https://www.benepath.com
Right now, in a Florida courtroom, a bunch of attorneys are arguing that health care reform is unconstitutional and violates the 10th amendment. They’re saying it is not right that people will be forced into buying health insurance or be fined.
Since affordable health insurance is a really hot issue now and will be in the future, what’s your take on whether or not the Obama health care reform is unconstitutional or not. Do you want affordable health insurance now and later? And do you think this legal case will make a difference to your health care choices?
To learn more and get a health insurance quote, visit https://www.benepath.com
If you don’t know what your health insurance plan covers, join the crowd of people who have not taken the time to read their health insurance policy. If they don’t read it and don’t ask what is in it, chances are they have no clue what is covered. And finding out later, when you need coverage and don’t have it, is a major pain in more ways than one.
If you have ever been in the situation where you needed medical care for something and offered them your insurance information, only to find out your service is not covered, you will understand why it makes good common sense to READ your policy. Knowing what’s in your health insurance plan versus having to shell out big bucks for medical care because you didn’t know something wasn’t covered – what’s your choice?
To learn more and get a health insurance quote, visit https://www.benepath.com
