Take advantage of affordable health insurance quotes now, before 2014.
Anticipation is running high for more changes to the health care system in 2014. People are beginning to realize that if they don’t get insurance now, then they will have to get insurance, or else they will be fined. What a conundrum. Is there any way around it? Yes, go online now and check out the affordable health insurance quotes that are available. It’s best to act now, as no one knows for sure what the prices will be like in 2014.
The chance that policies will be higher in 2014 is quite likely, simply based on the fact that insurance companies have been told they may not refuse to insure anyone, even those with pre-existing conditions. Since insurance companies are businesses, they want to make money to cover the risks associated with insuring high risk people. That generally means higher priced premiums. Act now to find affordable health insurance quotes and get a policy in place to beat the last minute rush.
The bottom line in health care these days is you need to have health insurance – now or later. There is no other sensible choice. Without health insurance, you will be dinged to pay the enormous bill you incurred for medical services rendered without the benefit of health insurance. Do you have over $100,000 for heart surgery? More than $30,000 for a broken leg or arm? $15,000 or more for a two-day stay in hospital for pneumonia? You get the picture. No insurance, no one to help pay the bill. With insurance, you have help. It’s pretty straightforward.
Some type of health insurance is necessary, whether it is basic coverage or a deluxe plan that covers just about everything. In other words, the choice is up to you to take advantage of the best options that suit your lifestyle. There are many ways to reduce the cost of your premiums, like increasing the deductible. Ask your insurance agent about how to save money on health insurance. They get asked that all the time, and have no issues letting you know what you can do to save money.
The most important thing is that you start now to search for affordable health insurance quotes. It only takes a few minutes of your time, and may be done in the comfort of your own home. Right now, there are a number of really good deals and the competition in the insurance industry is to your advantage. Get a deal now, rather than take a chance that later there are no deals and you get what you get.
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.
by: Clelland Green
There are three key pieces of the Affordable Care Act which will cause health insurance premiums to rise faster than they would otherwise.
- Guaranteed Issue – The mandate will ease this expense, but providing everyone coverage regardless of their health will cause premiums for people who are healthy and presently buy their own insurance to skyrocket. This impact will be felt in the individual and small group markets and not in the large group market.
- More Demand without An Increase in Supply – If you significantly increase demand for any service or product and you do not have a corresponding increase in supply, prices will rise. If 30 million more people obtain health insurance (current CBO estimate is between 30 and 33 million by 2016) that will cause an increase in health care demand of at least 5% and possibly more. Most of this increase will come from the expansion of Medicaid which will create supply shortages throughout the country and will be felt particularly hard in urban areas. The result of this expansion will be further cost shifting to private insurance as Medicaid reimbursement rates are significantly below market rates – even heavily discounted market rates. Bottom line, doctors and hospitals will charge private plans more and the premiums for those plans will rise.
- Minimum Coverage – Currently people buy high deductible plans and other health insurance products where the benefits are limited in such a way as to provide an affordable plan. Exchange based plans do not have those features. Aetna’s CEO Mark T. Bertolini gave the WSJ’s health blogan example of a 40 year old Texan currently buying a $5000 deductible policy is paying $189/month and the cheapest exchange plan will cost him more than $450/month. The $3000 premium difference more than offsets the higher out of pocket expenses of the cheaper plan, which are not $3000 more than the bronze plan.
While these provisions may be popular, they are going to have a significant impact on the lives of middle class Americans who desparately need reform that will help control the cost curve.
No doubt you have thought from time to time that there is no point in having health insurance. After all, you are healthy and you can save the money for something else. Yes, you may be healthy – now – but tomorrow, you may be in a car accident. Yes, you can save money each month by not paying a health insurance premium – but – if you get into an accident and end up in the hospital, if you do not have health insurance, who will pay your bill?
If you went 8 months without paying a premium and it was, as an example, $200 a month, you saved $1,600. Your bill for a two day stay, plus care for a broken leg, medications, and so forth is around $25,000. Even if you give them the $1,600, you still have to repay, not including interest, $23,400. Still think not having health insurance is a good idea?
To learn more and get a health insurance quote, visit https://www.benepath.com
Hunting online for a health insurance quote is – well a royal pain. And on top of that, everything seems to change daily anyhow. It’s confusing and takes too much time to try and sort all the information out. There is an answer.
Look for a health insurance company that is up-to-date with all their health insurance information. Someone who is able to tell you what you need to know without using all the insurance jargon. You want a company who knows their stuff, knows where you live, provides you with several options, and effectively gives you a quote in the right insurance category. Also make it a point to talk directly to a licensed insurance agent who knows their stuff.
To learn more and get a health insurance quote, visit https://www.benepath.com
When you get personal service it stands out doesn’t it? You bet it does, and even more so when you get the inside information or “scoop” on what would work the best for you and your family health care needs. Knowing which hospitals honor their claims, and which don’t, which doctors offer what services and which ones don’t, is really valuable information when it comes to buying health insurance. A local insurance agent knows this and more and in telling you these things, you have become a person with a name and a family and not just a number.
Large online health care providers don’t usually offer too much in the way of personal service because many of them aren’t even in your home state. Check it out some day. Many of them are several states away and have no clue about the local networks in your community. So, when you find a health insurance agent that knows their stuff and the local community, stick with them for better service.
To learn more and get a health insurance quote, visit https://www.benepath.com
While it’s true that you may still be denied health insurance if you have pre-existing health insurance, there are other options open to you, including the Pre-Existing Condition Insurance Plan (PCIP). PCIP is really only a temporary program, intended to bridge the gap between now and 2014, when it will become illegal to discriminate against those with pre-existing conditions.
Depending on your point of view, this may appeal to you or not. You could wait until 2014, but do you really want to take the chance? Having some form of health insurance, no matter what it is, is essential to your well-being. With a pre-existing condition that may change over time or worsen, health insurance is even more critical.
To learn more and get a health insurance quote, visit https://www.benepath.com
Whether you are shopping for a new car or for health insurance, consumers like to research their options before making a decision.
When a sales representative asks, “Can I help you”, the most likely response is “I’m just looking around.”
Consumers say this to buy themselves some time to get more educated about their buying options and make an informed decision.
With Compare-Health-Quotes.com, health insurance shoppers become more educated not only about the health insurance plans availalble to them, but the corresponding health insurance quotes for each plan as well.
It’s as easy as 1-2-3.
- Enter some basic information including how many people you are looking to insure and what geographic region you live in
- Get health insurance quotes and plans from top carriers available in your region
- Apply online if there is a plan that fits your budget and needs
Getting a great plan is not hard if you do your searching for health insurance in Texas by visiting the right website and work with a good insurance agent.
From Houston to El Paso, Benepath has been working with local insurance agents throughout the state to provide a variety of quotes and quality coverage to consumers. Agents who work with Benepath represent all of the major insurance carriers including Blue Cross and Blue Shield of Texas, Humana, Aetna, UnitedHealthcare, CIGNA and the local HMO’s as well.
Texas small businesseses have been getting help at Benepath.com since 2006 as well. Many of these agents offer group health insurance as well as ancillary benefits like group dental, life and disability insurance. Many of these agents also provide retirement plans like 401(k)’s and Simple IRA’s.
Good luck in your search!
by Clelland Green
The economy is beginning to look up and unemployment rate is declining. Did you or your friend just get hired by a Small Business? Are you worried about your Health Insurance?
As an employer; how do you decide on what benefits you can offer to your employees? Do you look at what your competitors are offerring? To learn more about what other companies in your industry and your region are offerring their employees, you may want to consider the Employee Benefits Benchmarking Report Benepath has compiled using data from more than 27,000 small businesses. To get competitive rates for Group Health Insurance Quotes, please visit Compare-Health-Quotes.com
To learn more about how the health reform will affect Group Health Insurance Quotes, click here to read an article on the Washington Post.
People have been searching for medical insurance online for over 10 years now, and according to research at Forrester, this number is only going to keep growing as a greater percentage of people do their insurance searches on the internet.
When you perform your search online, you are going to be presented with up to hundreds of different health insurance choices. For the average person, its just overwhelming and we recommend that you work with a quality advisor to make the right decision.
If you want to make the decision yourself, here are the basics:
Know your monthly budget: This is going to be the best place to start and it will reduce your choices substantially – unless the sky is the limit… When setting your budget, don’t skimp – you can get inexpensive plans – but you give up a lot in benefits.
Know your healthcare needs: Have an honest conversation with yourself about what you and your families needs are. Is anyone sick and frequently needs to see a doctor? Is everyone healthy and you really only see a doctor once or twice a year? Copays make more sense if you need a lot of care – but if you rarely use the healthcare system an HSA program may be right for you.
Know how much you can afford out of your own pocket: This will establish how much you should choose for your maximum out of pocket expenses.
Most online health insurance quote systems will give you the ability to choose all of the above. After you are done telling the system how much you can spend and what kind of plan you want, your choices should narrow to just a few options. Once you have those options, you can start looking at the finer points like ‘Is my doctor in the network’ etc.
At the end of the day, a good health insurance agent will help you navigate all of the above and will discuss important considerations you probably won’t think of on your own. And this comes at no cost to you as the monthly rate you pay is the same if you have an agent or don’t have an agent.
by Clelland Green
