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The Real Cost of Health Insurance in the US.

If you’re online searching for health insurance quotes, you’re here for a reason. Do you know what you need in terms of affordable health insurance?

While you might be online surfing the Internet because you are interested in making changes to your health insurance, you may also be online because you want some health insurance quotes that make sense to you. Until now, you may not have had any health insurance plan to fall back on. In fact, you might not have even thought that there is actually such a thing as affordable health insurance. Well, the good news is there is such a thing as affordable health insurance.

Let’s start at the beginning. You want to know what health insurance quotes that you can afford. Start by figuring out how much a month you can pay in premiums. Affordable health insurance is all about health insurance that you can manage monthly; it’s just that simple. While you may be thinking that even if you do get affordable health insurance quotes that you can’t really manage a premium and, what the heck, nothing bad will happen, so you will just take a pass on buying any health insurance plans.

Whammo! Guess what happens? You guessed it. You or someone else in your family got hurt and needed to go to a hospital for treatment. Let’s say you broke your arm after falling down the stairs. The break was so bad that a specialist needed to set it and cast it to make sure it healed properly. At this point you had a talk with the doctor and told them you don’t have any health insurance plans and that you really needed a price break. The doctor agreed he could do that.

The bill arrived about three weeks later and it came to $5,000. On the surface this may have made sense given the fact that the break was pretty severe and a specialist was called in. On second glance at the bill you discover that the cost of two aspirins was $220.00. Two aspirins, something you could have dispensed at home, were chocked up at $110 for each one. Talk about the height of ridiculous. That bill was going to take a long time to pay off.

What’s the lesson to be learned here? The lesson here is that the cost of affordable health insurance may be measured according to how many aspirins it works out to be. That should put the whole thing into perspective. It’s just a fact of life that at some point, you and/or anyone else in your family may need a doctor and medical services. Better to have health insurance plans for all the members of your family than wind up taking who knows how many years to pay off a large hospital bill that could have been paid through 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.

Posted on Saturday, February 13th, 2010. Filed under Health Insurance, Life Insurance.

Health Savings Accounts and the Over 55 Crowd.

Yes, you can get an HSA if you are over 55. The only thing you will need to know right up front is that if you do choose to go this route, you will need to catch up payments in order to be in a beneficial position. If you’re older, you might be able to swing that, as many older Americans do tend to have assets by that age. Although with the recession, this isn’t as frequent as it used to be.

You don’t have to go with an HSA if you don’t feel it’s the right thing for you. You could go with Major Medical instead or even with a Co-pay plan. Your life is unique and you will want what works the best for you, so make it a point to talk to an expert health insurance broker who can assess which plan(s) will work for you.

Posted on Tuesday, February 9th, 2010. Filed under Health Insurance, Life Insurance.

Affordable Health Insurance Is A Partner For Your Life

If you have ever wanted a partner to look out for you through thick and thin, pay your bills for you, make sure you stay well and get what you need when it comes to medical care, then you have found that partner in an affordable health insurance plan. Think about that for a minute. Without this partner, albeit a silent one, you would have no one caring for you when you needed medical help.

Without this partner you would be stuck for huge medical bills for care you may need, either short or long term. Do not think that you can make it through life without a partner that cares for you when the chips are down. Find a way to make health insurance a part of your life.

To learn more and get a health insurance quote, visit https://www.benepath.com

Posted on Thursday, January 21st, 2010. Filed under Health Insurance, Life Insurance.