Health insurance quotes are just the tip of the iceberg. Getting a quote does not tell you what is in the policy you may want or what is “not” in the policy you may want. It only tells you that you are eligible for health insurance based on some criteria you responded to when you asked for a quote. Really, you need to know more before making a buying decision.
Other things you need to know, besides the price of the policy, are what is included, what is excluded, what the co-pays are, what the deductibles are and – well, you get the idea, you need to do your homework and thoroughly cover your bases. Be sure you are getting what you really do need and want when it comes to a health insurance plan. No sense spending good money to get a policy that won’t cover you for something you “need” it for in the first place. This is one of the major reasons that you need to ask as many questions as you can when choosing a health insurance policy.
To learn more and get a health insurance quote, visit https://www.benepath.com
Since we’re talking about choices, there are a couple of them that you could consider: HMOs and PPOs. Again, each of these plans offers something different, and your choice will largely depend on what you “want” at the end of the day when it comes to health care options. For instance, the HMOs are fairly cheap, but restrictive – meaning you can only use the doctors in their network. That might work for you, and then again, it might not. If you go out-of-network, it will cost you big bucks to pay the doctor, plus you have to report to your primary care specialist. They also have a rep of denying more claims than they pay.
PPOs give you access to more doctors, and that includes specialists. You can get referrals and that comes in handy when you need that specialist. You don’t need to report to your primary care doc either. Does this come with a higher price tag? Yes, it does, but if that is what you want, it may well be worth it.
To learn more and get a health insurance quote, visit https://www.benepath.com
The good news is that there are a whole lot of choices out there for affordable health insurance; choices that will make you reconsider not having any health insurance coverage at all. While it’s hard to know what might be the right or wrong choice for you, the answer to that is: it’s your own personal preferences that will dictate what you want and need. So really, there are no wrong answers or right answers, just answers that make sense for you and your situation.
Before trekking off into cyberspace looking for affordable health insurance quotes, make a list of what you know you want and need. It helps when you have to start whittling down the choices you find as a result of your online search. Yes, the information may be overwhelming, but stick with it and you will eventually find what suits you to a “T.”
To learn more and get a health insurance quote, visit https://www.benepath.com
The whole idea of health care reform is a good one, but its implementation may leave something to be desired. For instance, there is a great debate over what will happen to health insurance quotes now that health care reform has been passed into law and changes have started to happen.
On one side of the fence people say the cost of health insurance premiums will go up. On the other, they say they will go down. Funny thing is there are good arguments for both sides of this issue. They will go down because in the initial rush to sign up more people (to make more money), insurance companies will have good rates to be competitive; rates that might only last for a year until renewal time.
They will go up because if the medical loss ratio for insurance companies is now pegged at 80% then the insurance companies won’t take that hit on their own. They will pass that back down to the consumers in higher insurance premiums. What do you think?
To learn more and get a health insurance quote, visit https://www.benepath.com
That old saying that health means wealth is so true. If you are not healthy, you can’t work. If you can’t work, you don’t have an income. Rather like a vicious circle. Thus, the best plan, besides finding an affordable health insurance plan, is to stay as healthy as you can and work at it. The things you want the most in life, you generally have to work hard for them.
Even if you are healthy though, you will still need some form of a health insurance policy. Why? Because sometimes bad things happen to good people, and you will need that policy to help you pay your unexpected medical bills. If you have kids, or even if you don’t, you too can trip over something and fall and break a wrist or leg. Things happen and without health insurance in place to deal with such disasters, you get soaked for paying the bill on your own. Try to stay as healthy as possible. It may be your best bet yet.
To learn more and get a health insurance quote, visit https://www.benepath.com
It’s nice to know instantly if you qualify for health insurance. Instant health insurance quotes also provide approximate premium prices.
It’s becoming a world where it is ultimately crucial that you and your family have health insurance; affordable health insurance. If you want that kind of information quickly, after all we are in the age of instant this and that, then accessing instant health insurance quotes will let you know within seconds if you qualify for a health insurance plan and what the costs may be. Leave the work of quoting to the health insurance website, because it means more time for you to do what you really want to do instead of searching for affordable health insurance.
There are a whole lot of people out there that are working harder and longer than ever before and making less to show for it. What they are making, they stash away for their children’s future. They don’t think they can afford any type of health insurance plans. More to the point is this question: “Can they afford ‘not’ to have a health insurance plan?” The answer is: “No, they can’t afford ‘not’ to have health insurance.” Not in today’s world of high cost medical care for everything from soup to nuts. Even a broken leg may run to $20,000; money most people don’t have on hand.
The bottom line here is that having good health and keeping it, is critical for you and your family. If you don’t have your health, chances are you will run the risk of losing what savings you do have to pay medical bills that could have been covered by your health insurance plan. Health is wealth and “means” wealth if you can keep working and stay healthy – with the assistance of a health insurance plan.
In other words, if you don’t want to be in the situation where you have to declare medical bankruptcy, then you need to be checking out health insurance quotes. Before you get started, know what kind of health insurance you want for you and your family.
Once you have a good idea of what that is, hit the Internet and do some online searching for an insurance website that provides instant health insurance quotes. Instant health insurance quotes are a bit like playing Bingo – under the ‘A’ for affordable health insurance, under the ‘H’ for health insurance plans and health insurance quotes.
The whole idea in sourcing instant health insurance quotes is to let you know right away what is out there and what you qualify for in terms of health insurance plans. Knowledge is power; make it work to your advantage.
Clelland Green is with Benepath.com, a leader in providing health insurance quotes. Benepath provides individuals, families, and businesses with affordable health insurance quotes in just a few mouse clicks.
To learn more, visit https://www.benepath.com.
“BIKE 4 CHF” Aims to Raise $100,000 for Congenital Heart Defect Research
LINCOLNSHIRE, Ill. – A congenital heart defect survivor is pedaling his bike across America, beginning June 8, 2010, to raise awareness about congenital heart defects, celebrate children impacted by heart defects, and raise $100,000 in new research dollars for the Children’s Heart Foundation (CHF).
“BIKE 4 CHF”—the journey of Nels Matson, 27, of Bradenton, Fla.—is the first fundraiser of its kind for the Children’s Heart Foundation, a national non-profit that funds the most promising research to learn more about congenital heart defects (CHDs), the number-one birth defect in America, which affects 40,000 births every year and one in every 100 newborns.
Matson will ride his road bike 3,709 miles, from Santa Monica, Calif., to New York, N.Y., from June 8 to July 20, 2010, averaging 100 miles per day. Along his route, Matson will meet up with and ride alongside Children’s Heart Foundation supporters of all ages in 15 states and encourage them to donate to CHF through his Web site, www.athletes4heart.com.
The Children’s Heart Foundation has named Matson its first ever “KID 4 CHF,” in honor of Matson’s service to congenital heart defect awareness and fundraising in his BIKE 4 CHF ride. CHF defines KIDS 4 CHF as children who have been diagnosed with a CHD and provide hope and inspiration to other kids and families facing a diagnosis. KIDS 4 CHF are also children who were diagnosed with a CHD at birth and have since passed away.
“Nels Matson’s story resonates with people across the country—particularly with children and families who have lived, or are living, with CHDs,” said Megan Van Pelt, president of the Children’s Heart Foundation. “He’s a walking, running and biking example of perseverance and proof that nothing is impossible for these kids.”
Matson was born in 1982, and thought to be a healthy baby. When a doctor listened to Matson’s heart at age three, he was concerned. After a series of immediate tests, Matson was diagnosed with an uncommon congenital heart defect (Partial Anomalous Pulmonary Venous Return with an Atrial Septal Defect).
Matson underwent surgery at Children’s Memorial Hospital in Chicago, Ill. His heart was repaired, and he received a clean bill of health at age five. He still has the heart he was born with and today is remarkably active. Matson wrestled for Iowa State University in college, and in 2009, he raised funds for the Children’s Heart Foundation—completing an Ironman 70.3 (a race consisting of a 1.2-mile swim, a 56-mile bike and a 13.1-mile run, which adds up to 70.3 miles of total racing) and his very first marathon.
“Whenever I tell people my story, and about how common congenital heart defects are, they are shocked,” said Matson. “The goal of BIKE 4 CHF is to turn that surprise into action. By supporting the Children’s Heart Foundation, donors are investing in research that will save little lives.”
There are 35 different types of CHDs, but little is known about the cause of them and there is not yet a cure for any of them. The Children’s Heart Foundation has funded 37 research projects and funded $3.6 million for research.
“We’re learning more about CHDs all the time,” said William Foley, executive director of the Children’s Heart Foundation. “But until children are no longer lost to congenital heart disease, the Children’s Heart Foundation will continue on. Nels Matson shares our passion, and we are so thrilled that he will be spreading this message on the road this summer.”
Matson will begin his ride in Santa Monica, Calif., on June 8, and end in New York, N.Y., on July 20, stopping in bike shops and parks across the country for early morning meet ups and quarter-mile ride-a-longs with Children’s Heart Foundation supporters. Along his eastward journey, he’ll pass through a host of small cities, as well as the following metropolitan areas:
- Las Vegas, Nev.: June 11
- Denver, Colo.: June 22
- Omaha, Neb.: June 30
- Davenport, Iowa: July 4
- Chicago, Ill.: July 7
- South Bend, Ind.: July 8
- Columbus, Ohio: July 13
- Pittsburgh, Pa.: July 15
- Philadelphia, Pa.: July 19
In each of the cities listed above, Matson will dedicate segments of his journey to local children with congenital heart defects. He’ll also invite congenital heart defect survivors, and people who have lost a loved one to a heart defect, to autograph his road bike so they can “ride across the country with him.”
Sponsors for BIKE 4 CHF include Hilton Hotels, mix1 Protein Antioxidant Sports Drink, Myakka Technologies, Inc., WSLR 96.5 LPFM Sarasota Community Radio ‘Local Matters’, Santa Monica Pier Restoration Corporation, and families.
To follow BIKE 4 CHF, and to make a donation, visit www.athletes4heart.com. You also can find Matson and his journey on Facebook (Athletes4Heart) and on Twitter (@Athletes4Heart).
The Children’s Heart Foundation
Motivated by the needs of children, the goal of the Children’s Heart Foundation is to bring health, hope and happiness to children impacted by congenital heart defects, the number-one birth defect in the U.S. The CHF accomplishes this goal by funding the most promising research to advance the diagnosis, treatment and prevention of congenital heart defects. For information on the CHF, visit www.childrensheartfoundation.org.
If you’re shopping online, it’s easy to get frustrated, unless you slow down and just take things one step at a time. Don’t be in a hurry to click and grab your information. Take the time to line up at least four quotes for what you need. Make a list before you start and write down the criteria you have to have to be comfortable enough to buy a health insurance policy.
On that list put down things like price, what kind of coverage, what exclusions are there and anything else that you may think of that is important for you to know. Now, get clicking and get those quotes. From there, you can whittle down your list to policies and companies that look like they may suit your needs – financial and health insurance wise. Just remember that although some policies may be really cheap, they may not be the best for what “you” need. This is why you will want to ask more questions.
To learn more and get a health insurance quote, visit https://www.benepath.com
It takes time to find precisely what you want for family health insurance plans. However, if you take the time to do searching online, make some phone calls and ask some questions, you’ll find what you need in terms of health insurance quotes.
If you’re kind of hesitant to hunt for health insurance quotes, use a location designation.
For instance if you live in Reading, Pennsylvania, just add that name to your search request. For instance, “Reading, Pennsylvania family health insurance quotes.” All quotes of this nature are free, but it doesn’t hurt to type in the word “free” in front of your location. If you ever get asked to pay for health insurance quotes – run. There is no reason to be charged for quotes, so beware.
To learn more and get a health insurance quote, visit https://www.benepath.com
Once you have a handle on the price of your family health insurance quote, ask the insurance agent what exclusions apply. Why do you want to do this? You need to do this because the answers will tell you what is NOT covered in your family health insurance policy.
Knowing what isn’t covered is actually more important than knowing what IS covered, because if you don’t know what is covered you run the risk of getting an awful surprise later when you have medical treatment for something that “isn’t” covered when you thought that it was.
While you’re at it, you should also make it a point to find out what your individual coverage limits are. This means what the limits are on EACH policy item.This will tell you if you have enough protection for the family.
To learn more and get a health insurance quote, visit http://www,benepath.com
