We are all aware that it took a lot of arm wrestling to get the Health Reform Bill passed, and along the way the President likely made himself some powerful enemies. Millions of Americans will soon, too soon for many, be faced with “having” to buy health insurance.
This means they will be “mandated” to have it. Whether this is healthy or not is the burning question of the day and the human rights issues involved in forcing people to buy something is another question entirely.
Some of the changes will kick-in sooner rather than later, only time will tell, but the interesting thing is this – the health care industry is forecasting that the new Bill will dramatically change the way health insurance companies deal with people needing coverage, and it will also make a difference in the way doctors treat them. Whether that will be a good change or not remains to be seen.
To learn more and get a health insurance quote, visit http://www,benepath.com
There will be some things you will want to weed out when it comes to the kind of health insurance policy you want. In fact, sometimes the “want” isn’t as important as the true “need” when it comes to finally selecting an insurance policy. This is why you want to carefully vet all the quotes you get from your online insurance shopping spree.
You will want to compare oranges to oranges of course and be on the alert for things that don’t suit you. Sure, you might find a super duper policy, priced so attractively you have a hard time “not” diving in and buying it. But, and that’s a big but, weed out what you DO NOT have in the policy first before making and decision to buy based on financial considerations. While this may seem like a lot of work, it pays off in the long run with affordable health insurance.
To learn more and get a health insurance quote, visit http://www,benepath.com
The first question on many people’s lips when it comes to the mandatory health insurance is: “What’s it going to cost?” Unfortunately, there aren’t a whole lot of answers swirling out in cyberspace or anywhere else for that matter. On one hand, if insurance companies can’t turn down anyone, they may ultimately lose money insuring health risks. On the other hand they may have a pool of really healthy people that won’t need much in the way of coverage and the whole thing may just balance out.
There’s an awful lot of speculation these days about the end result of these enormous changes to the health care system that are about to begin and have, in some cases, already started. For instance, if there is no universal coverage lifetime limits, will premiums go up for everyone to cover the eventuality? Only time will tell.
To learn more and get a health insurance quote, visit http://www,benepath.com
Since the advent of instant health insurance quotes online, things got a whole lot easier for people who hated searching for health insurance information. Since mandatory health insurance is on its way into reality, this instant quote feature will be a big bonus for millions of Americans needing to buy health insurance.
If the last thing you want to do is try and figure out all the ins and outs of quoting and prices and exclusions and coverage and benefits, then stick with instant quotes online. You should aim to get up to four quotes for a good comparison. Just remember, that it’s not a good idea to buy health insurance based on price alone, as the policy may not cover your needs. Also keep in mind that what you want versus what you need are two different things, which is why you really need to know what is in the health insurance policy you want to buy.
To learn more and get a health insurance quote, visit http://www,benepath.com
To get the best and most affordable health insurance quotes online, look for pricing information in your local area. This is the best way to get a deal for a variety of reasons, not the least of which is that your local insurance broker KNOWS their market inside out and will give you tips on where the best doctors are, who pays their claims and who doesn’t, and what the best hospitals are in your area. This is insider information, and why not make it work for you?
Spend some time talking to the broker outlining what you need in terms of an affordable health insurance policy and then take it from there. Always ask questions because they expect you to ask questions. Anyone who doesn’t work in the insurance industry isn’t going to understand the jargon, the benefits, the exclusions, the coverage and the fine print – so ask, and you shall receive information to make an informed decision.
To learn more and get a health insurance quote, visit http://www,benepath.com
You need to know how expensive the policy will be because it has to fit into your budget plans. Interestingly enough many people take the first policy an agent recommends. While it could be a good recommendation, you should get more information.
The agent recommended policy may not be the right kind of family health insurance plan for you. Education is the big thing here. Compare at least three plans and remember that the cheapest isn’t always the best. Cheap does not always equate to good coverage. If you do want decent coverage, you may need to revise your budget a bit.
To learn more and get a health insurance quote, visit https://www.benepath.com
OK, let’s look at this for a minute. If you must get a mandatory health insurance quote now, what is to say that will be the same quote you will get when you actually have to “buy” the health insurance? There is a huge difference between a quote and the final buy price when there is a lengthy period of time between the quote and the purchase.
Overall, this new Health Reform Bill that forces people to buy health insurance will either be a boon or a bust. Mostly, whether it’s a boon or a bust depends on the price of individual health insurance policies – as in – will they go up, up, up or will they go down, down, down? It might be foolish to think the insurance industry can self-regulate and not overcharge for policies to cover potential shortfalls for high risk insureds – but – we can always dream.
To learn more and get a health insurance quote, visit http://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 https://www.benepath.com
Fancy the concept of having to buy health insurance and then if you don’t, you get a hefty IRS imposed penalty. Boggles the imagination at times doesn’t it? Also raises the question about people’s human rights and how can the government override them and force them to buy health care insurance? That aside, insurance companies are currently frantically trying to figure out how to price the products they will be offering the millions of uninsured Americans who will flock to the insurance grail for a policy.
While this may generate a fierce round of competition among the insurance companies with regard to prices, chances are just as good that it may go the other way. Meaning that since the insurance companies may lose money on whom they insure, because they can’t turn down anyone, they may hike their rates to cover that possibility. It goes without saying that the next few years will be interesting indeed.
To learn more and get a health insurance quote, visit http://www,benepath.com
On the front page of the New York Times and the Wall Street Journal were two articles that really hit at the heart of health reform’s promise of covering everyone and reducing/controlling health insurance costs.
In the New York Times there was also a full page ad run by the American Medical Association urging Congress to pass emergency legislation to prevent their reimbursement rates from dropping. This happens every year as Congress does not have the will to actually implement cost saving measures it adopted years ago to control runaway Medicare expenses. I’m sure that Congress will come back from their Memorial Day break and pass this legislation; like they do every year.
So what makes anyone think that when the time comes to start cutting provider fees under health reform that Congress won’t pass emergency legislation every year to prevent those cuts from happening. I am pretty sure that it won’t, and the attacks on the Dartmouth Study are the initial campaigns by health care providers to make sure its not their fat cut from the meat to pay for health reform.
Karl Rove in his Op-Ed piece in the WSJ makes some pretty compelling arguments about other hidden costs, points out that the Congressional Budget Office has added another $120 Billion to the price tag of health reform and that Medicare’s chief actuary sees many places where the unintended consequences of health reform will cost us a lot more money. While slanted, its worth a read.
When promoting the cost savings of health reform, the administration used the Dartmouth Atlas of Health Care to show that there is up to $700B a year in potential savings by eliminating “waste” in the health care system. Today’s article in the New York Times makes a very compelling case that the potential savings are significantly less than advertised as “measures of the quality of care are not part of the formula”.
The study mainly shows the varying costs of care in Medicare by region. Everything about savings was an extremely loose extrapolation of the data as it was argued that care in Iowa and Minnesota is better and cheaper than care in New Jersey or Miami. In fact, this article points out that there is little evidence to support this notion.
Bottom line, the recently enacted Health Care Reform plan will cost our country significantly more than advertised and it is simply not possible to provide universal coverage without raising revenue (aka taxes) – on pretty much everyone.
If the legislation goes into effect, it will make our existing budget problems worse and it will lead to higher taxes eventually, and again, not just on people making more than $250,000.
Personally, I am not opposed to the concept that everyone should get health care, but in a democracy we need to have an honest conversation about how much that will cost and then decide if the majority of the people are willing to pay for universal coverage.
