People really need to start looking at health insurance as a partner; a partner for their lifetime. It is there when you need it, helps you feel better, get better, helps pay for tests, services and medications, covers part of your hospital stay and you get money back for some claims. That is a partner in the truest sense of the word, always looking out for your health and welfare.
If you have to go it on your own and need medical care and don’t have health insurance, there is no one that will help bail you out of the financial pit you will find yourself in after all is said and done. Without health insurance, most people do not have the money to pay the staggering bills they get later. With health insurance, they at least stand a chance of getting the bill paid. Think about it. Partnering with a health insurance policy is a smart move that will take care of your health and bills. Sweet!
To learn more and get a health insurance quote, visit https://www.benepath.com
There are very few people in this world that can go a lifetime and not get hurt or need to see a doctor. If you are one of them, bravo for you. Most people, however, will need to see a doctor. It is like death and taxes – both are inevitable. You may get a viral infection, pneumonia, break an arm, get into a car wreck, slip and fall and injure your spine, need tests for a sinus infection – you get the idea.
No one can totally escape seeing a doctor. Those who have not been to see one for years may suddenly find themselves in a real mess and needing help. Take the case of the 59-year-old man who suddenly developed a brain hemorrhage. He had avoided going to the doctor for 25 years and as a consequence, his blood pressure went totally out of control. He died within two days.
While that may not happen to you, you do need to have some kind of a measure of how you are doing physically, and that may include tests. If you have no health insurance, you pay for everything. Can you afford that? Most Americans cannot, not unless they have health insurance.
To learn more and get a health insurance quote, visit https://www.benepath.com
Oh yes, you definitely need health insurance. If you do not have it and you get into an accident of some sort and spend time in surgery, hospital and/or rehabilitation, would you have enough money to pay the astronomical bills you will get? If you are lucky enough to still have a job and make minimum wage, do you think your salary will cover your medical expenses? If you said no, you are right.
While it may cost you some extra bucks a month to get a health insurance policy, it will be there for you if you get into a car accident or break an ankle. It will help you pay your bills. If you do not have coverage, you are right out there in the wind, wondering how to find thousands of dollars to pay for seeing the doctor about that broken wrist or spinal cord injury. Do not leave your health care to the fates. Take the time to find an affordable health insurance policy that will protect you for those “oops moments” in life.
To learn more and get a health insurance quote, visit https://www.benepath.com
Health insurance is more than just a piece of paper with policy guidelines for coverage written out in the four corners. Health insurance is about being and staying healthy, with the help of the medical profession. Health insurance is about being smart, getting the right kind of coverage, anticipating things that you may need later and about the “what if” factor in life.
What if you break a leg, get into a car wreck, have a snowboarding accident, fall off a ladder, get electrocuted or develop diabetes? What if you need to go to the hospital and stay there for a bit to get back on your feet after a truck crash, a run in with a motorcycle, a bus wreck or train wreck? While your life may not be that dramatic, you do need to think ahead and be prepared for when life happens.
To learn more and get a health insurance quote, visit https://www.benepath.com
Really, who does not need health insurance? Who do you know that has gone through life without one visit to the doctor for something? Who do you know who has never had an accident, a broken bone, a viral infection, a baby or a heart attack? No one will go through life without seeing a doctor, and if you do not have health insurance, the bill will shock you.
While lots of people think they do not need health insurance, the first time they have to see a doctor or go to the hospital, they figure out very quickly that they would have been better off financially if they had health insurance. Don’t just take our word for it, find that out for yourself. It’s a hard lesson to learn.
To learn more and get a health insurance quote, visit https://www.benepath.com
Ever wonder if health insurance is what it’s cracked up to be? It’s a fair question and one that someone who did NOT get the right health insurance policy in the first place would ask. This is one of the main reasons why, when you buy health insurance, you get something that works for you and suits your needs and lifestyle.
While it’s nice to get cheap health insurance, if it doesn’t cover you when you need it, how does that help you? It doesn’t. And that is the reason you need to take the time and work with a skilled health insurance agent to find a policy that does do what it says it does for you. Will you pay a bit more for that? Yes, you will, but, wouldn’t you rather pay a bit more for prevention that a huge amount later to the doctor when your insurance didn’t cover you?
To learn more and get a health insurance quote, visit https://www.benepath.com
Unfortunately, if one of your family members happens to have autism, you can’t get health insurance coverage. At least, you can’t get it right now. That may change if Missouri gets its way and does introduce and get signed a bill that makes it mandatory for health insurance companies to offer cover for autism. It would be an enormous step forward not only for that state, but the number of families that may be able to utilize it for a family member.
Autism is far more common than we realize, but what many people don’t realize, is that most health insurance plans do not provide coverage for this neurological condition. Autism causes sufferers to experience mild to severe problems communicating with others and to struggle with social interaction. The time for intervention is in early childhood and by using a variety of programs that help those with autism to live a near normal life.
Treatment costs for this disorder are enormous and making coverage available for those with autism is exciting news. All eyes should be on Missouri now.
To learn more and get a health insurance quote, visit https://www.benepath.com
Yes, the economy is bad and as a nation we are all struggling to try and get through it and find some light at the end of the tunnel. Many people know they need health insurance or they could be in a lot of trouble financially if something happened to them. But, where do they get affordable health insurance that won’t break their budget? What if you are self-employed and your income varies every month and you don’t know if you can pay for a health insurance policy?
These are good questions and the answer relates to how you personally budget things in your business and your personal life. Most often, there are corners that may be cut and money saved aside for a health insurance policy. It’s a matter of doing without something that could wait to allow you to buy cover now that will protect you and your family in the future. Remember that having a health insurance policy may be mandated in the near future. This means you will “have” to find a way to pay for a policy. Better to do it now on your own, than have it forced on you later.
To learn more and get a health insurance quote, visit https://www.benepath.com
People may tell you not to worry about the cost of health insurance. They obviously haven’t lived with your budget concerns.
Having or not having health insurance in America these days is a major debate. Those that have it know the benefits it offers.
Those that don’t think it’s a waste of time and money and they don’t need it – that is they don’t need it right now – but later? That may be a whole different can of worms.
The question still remains though, how does one get affordable health insurance in this economy? How does one stay safe and be covered and not be broke? Good questions and the answers are highly individual to each person’s specific situation. Of course, the bottom line is and will always be what dollars are there to go around in the household to pay for everything from soup to nuts and still include health insurance plans? This is even more of an issue when you are considering buying individual insurance and you happen to be self-employed – meaning your income will vary wildly from month to month.
Being self-employed and wanting insurance means finding a way to budget it and doing with less someplace else. Why is this a smart idea even if it hurts? It’s smart because if you are hurt, need medical care and don’t have health insurance, then your business may go under because you need the funds to pay the medical bills. If you work for someone else; well, lucky is the worker who has their health care costs picked up by the company.
Let’s say you want individual health insurance and you work for yourself or for someone else – either way, your premiums will vary depending on what you choose in terms of health insurance plans. Things like co-pays, co-insurance and deductibles are costly, but they are usually the plans with lower premiums.
So there you have it, the health insurance plans with lower initial costs usually have higher premiums, and the health plans that mean you need to use a network (like HMOs) will cost less. What to choose? You choose what your personal preference is, as health insurance coverage is a highly individualized thing.
Can any of these choices be done on a budget? You bet they can, as despite prevailing opinion that no one can afford health insurance, there are affordable health insurance policies out there for everyone. It’s just that some people, no matter how reasonable a health insurance plan is, still won’t buy one for their own reasons. For those individuals, when life happens, they too will see the necessity of needing health insurance.
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.
Most health insurance plans don’t cover autism. That may be about to change based on a bill being considered in Missouri.
Autism is far more common than we realize, but what many people don’t realize is that most health insurance plans do not provide coverage for this neurological condition. Generally speaking, since each autistic individual is different, autism causes them to have mild to severe problems communicating with others and also struggle with social interactions. In many cases, the most opportune time for intervention is in early childhood and working with a variety of programs that will help them to be able to live a near normal life.
As you might expect, treatment for this disorder runs to the tens of thousands of dollars each year and most parents don’t have access to that kind of money. Sadly, most health insurance plans won’t cover it either. However, there is encouraging news on the horizon, in the form of a bill in the works in Missouri that would require many health insurance carriers to cover autism.
The legislation mandates health insurance plans to cover up to $45,000 annually for applied behavioral analysis therapy (from a licensed provider) for kids under 18. To avoid the possibility of fraud from people posing as therapists, or less than honest therapists wanting to cash in on the insurance wagon, the state is planning on creating a new licensing process. If the bill is signed by the governor, the new rules would roll out on the 1st of January, 2011.
One of the other benefits of this bill is that it includes an annual adjustment of the cap that is tagged to inflation. While it sounds good on first read, those with autistic children do need to know there are some potential catches. Those catches would be that the law would only apply to group health insurance plans regulated by the state; that would mean plans bought through small to mid-sized companies.
For larger corporations, ones who self-insure, this bill would not apply, as they are federally regulated. For any small business that has fewer than 50 workers, an exemption may apply if they prove that the mandate caused their rates to rise over 2.5% the previous year. In a nutshell, there will be various options that include autism coverage for treatment and for diagnosis, but this will not be attached to all of the plans sold in the state.
This is great news that may have many other applications nationwide if the bill proves to be a success and keeps the overall health care budget down, thanks to early intervention allowing those with autism to live a fairly normal life.
To learn more and get a health insurance quote, visit https://www.benepath.com
