Like recreational smoking, some individuals choose to eat whatever they want, whenever they want. Others have health conditions that make them more likely to struggle with maintaining a healthy weight. Why does this make a difference to an insurance company? They care because the more overweight you are, the more at risk you are for serious diseases like congestive heart failure or diabetes.
Insuring an overweight individual is a business risk, a financial business risk, and one that an insurance company does not take lightly. They stay in business because they wisely choose to reduce their risk of exposure to high risk customers, unless those same individuals are willing to pay higher premiums for coverage. Statistically speaking, overweight people spend more time dealing with serious health concerns than other individuals who are a healthy weight. It only makes good business sense to insure the healthier ones.
To learn more and get a health insurance quote, visit https://www.benepath.com
Smoking is a personal choice, right? You either choose to do it or not. Why does it become someone else’s business when you want to buy health insurance? It’s your life and your choice what you do with it. Well, yes, that is true, but since you want this same insurance company to insure your life, you will need to pay more for them to do that, because by smoking you are placing yourself at risk for various serious and/or deadly diseases.
If you expect them to take the risk that you will kill yourself smoking, then you have to also expect your insurance premiums will be higher because of the choices you make. Insuring people is a business and a company won’t take that risk unless they can cover it off with higher premiums, or outright decline. So while it is your choice to live or die, it is their choice to insure or not insure your lifestyle decisions that put their bottom line at risk.
To learn more and get a health insurance quote, visit https://www.benepath.com
You did some research online and discovered something called the preferred health insurance rate. Nice pricing. That is just what you want. However, can you get it? If you are young, healthy, don’t smoke, drink or have pre-existing conditions, you could likely get that rate. However, more often than not, you will not qualify for that rate, simply because you are older, have pre-existing conditions, perhaps smoke and drink and are on various medications.
This does not mean you will not be able to find an affordable health insurance quote, because they are out there. You just need to know what you are looking for and talk to the local agent about what policies they have that would suit your need. Yes, there is a policy for everyone, and with help, you will find it.
To learn more and get a health insurance quote, visit https://www.benepath.com
Having health insurance is a two-step process. First you think about it and decide yeah, you probably should have it, just in case. Second, you go online to find what you need. This is where the rubber hits the road, finding what you want in terms of health insurance. If you’re new to the process, it can be daunting. However, with instant quotes, life is a lot easier.
Have a firm idea in mind of what kind of health insurance you should have to meet your needs. For instance, do you visit the doctor for everything, or a little as possible? Do you want to try every new drug out on the market, or hate taking them unless you have to? Knowing your health care consumption pattern, will help you choose the right health insurance policy.
To learn more and get a health insurance quote, visit https://www.benepath.com
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It seems there is never a dull moment when it comes to medical care in the U.S. today. It’s a tough job, but someone has to do it, and they do. However, the amount charged for medical care today is outrageously high and never seems to be the same. How is that? It all has to do with the fact that doctors and hospitals can darn well charge whatever they want. Who is going to challenge them? More to the point, really, who can pay those high bills without insurance?
With health insurance, part of a medical bill is covered. Without it, you pay full price, and it might not be the same amount each time you need help. Typically though, you can count on it being higher each time you need care. Where does it stop? Seems like it doesn’t stop, and that is the most frightening thing of all. Who is going to fix this? Right now, who knows?
To learn more and get a health insurance quote, visit https://www.benepath.com.
You might not have noticed that your employer is slowly cutting back on the health insurance benefits you get at work. You may have had just about full coverage before and now, several years later, you are carrying the cost of at least 50 percent of your premium payments. You are hearing rumors that you will soon be paying up to 70 percent, and perhaps lose the health insurance benefit entirely.
This is a sign of the times. Health insurance is very expensive for employers and they are looking for ways to reduce their costs. One of the ways to do that is to reduce health benefits or drop them completely. Be smart. Read the writing on the wall and start shopping around for your own health insurance. Be prepared, just in case, or it will be even tougher to find what you want.
To learn more and get a health insurance quote, visit https://www.benepath.com.
While it’s nice to find a cheap insurance policy, you have to find out what it covers and what it does not cover. Chances are you will find the policy just does not meet your needs, but it is a good price. Warning: do not buy insurance just because it is cheap. If you do, you may find out later, at the most inappropriate time, that it does not cover what you thought it did. Guess who pays the bills then? Right, you do.
Additionally, it may also be the wrong policy for you. This isn’t to say that insurance agents deliberately sell people cheap policies that won’t cover their needs. However, if someone calls and says the policy they want is the least expensive one, and despite what the agent says, they insist on buying it, they are responsible for the consequences later when they find out it doesn’t cover their emergency. Ask the insurance agent what it covers and what it doesn’t cover. Be informed and on top of your coverage and health, because no one else will do it for you.
To learn more and get a health insurance quote, visit https://www.benepath.com.
Don’t wait for 2014 until you are forced to go find health insurance. Why? Because waiting until the last minute virtually guarantees you higher rates. Act now. Insurance rates are still affordable and even downright reasonable, so long as you know where to look. It may take some time to find something that works for your budget, but there are companies out there that are willing to work with you and your budget.
Right now, there is fairly stiff competition as the industry starts to get geared up for the landslide number of people who will wait for the last possible minute to pass before they get health insurance. That means there are deals to attract customers; reasonable deals you could take advantage of right now. If you wait, the prices will go higher because the insurance industry has been told to refuse no one, which hikes their risk. That increased risk will be passed down to you, the consumer.
To learn more and get a health insurance quote, visit https://www.benepath.com.
Pricing health insurance may well give you a headache, because it seems like every site you visit is quoting different figures. In fact, you may even find the same health insurance policy on several sites and discover wildly different costs.
The reason for that is health insurance companies set their own rates or, you could look at it another way, and that is that they charge what they think the market will bear. So, shop around and you may be pleased to discover you can so get a good deal on health insurance. Just because one site has a higher price for a policy does not mean that policy is any better than a policy on a site with a lower cost. It only means the first company thinks they can charge more. Evidently, they can too, as people are obviously paying those prices. Be smart and shop around. It could save you bucks.
To learn more and get a health insurance quote, visit https://www.benepath.com
There is no question that health care reform is long overdue and that the costs of keeping the present system up and running is literally astronomical. However, just what are we really going to do about it? There is the health care reform act, the health insurance exchanges, the mandate that no one can be refused health insurance and if you don’t have health insurance in place by 2014, you get fined. How does this help us? Does it really provide us with cost effective health care when the insurance companies will just turn around and hike their prices to consumers?
Health insurance companies will not go broke over any of the changes about to come into effect. Instead, they will pass along their potential loss of revenue to the customers, and there you go, higher insurance rates. Feels like a merry-go-round doesn’t it; one that you’d like to get off and just get on with life without the high price of health care and health insurance. Can the politicians do it? Have you got any better ideas?
To learn more and get a health insurance quote, visit https://www.benepath.com.
