Given any thought lately to buying affordable health insurance? Can’t because you don’t think you can afford it? Actually, it is extremely doable; you just need some patience to find what you need. It’s best to get your health insurance now rather than wait until later. Why? Because right now, you have some choices you can make to suit what you want and need.
If you wait until having health insurance is mandated, then what will you get? That’s food for thought isn’t it? Acting now would mean you have lots of choices (and you may later, but no one knows for sure). Acting now would mean you could take your time and compare prices and what your policy covers. If you leave it to the last minute, you’re going to be in a panic to get something – and that something might not be what you need.
So take some time now to shop around and get prices and coverage that do fit your budget.
To learn more and get a health insurance quote, visit https://www.benepath.com
What does where you live have to do with affordable health insurance quotes? While you might not think about this, if you live in a rural area of America, you likely don’t have very good access to hospitals. In fact, you may find the only the one close to you to be inadequate, and another could be too many miles away to be much good. If you have limited access to hospital care, this may affect the pricing on your health insurance policy. Make sure to ask your insurance agent about this.
Ideally, what you want to do is get a health insurance plan that will cover you for any doctor or any hospital. This may be more expensive, which is why you want to have this discussion with an expert health insurance agent.
To learn more and get a health insurance quote, visit https://www.benepath.com
What on earth do you look for when you get online to find affordable health insurance quotes? Some of the more standard things people search for are prices within a range they have set for premiums according to their budget, what health issues they currently face, whether or not anyone else in the house has major health issues, where they live (rural versus the city), their age and whether they smoke or not. There are more things you could search for, but the list would be too long. Start with the obvious and work from there.
Once the list is as complete as it’s going to get, start surfing online. Just remember, if you are in your twenties or thirties, you will be looking for a different type of policy, with different things in it, as opposed to an older person who may need more services for health issues than you do. Also – keep this one thought in the back of your mind – while you may be healthy right now, this does always stay an immutable thing. Think ahead to what may happen and buy a policy accordingly.
To learn more and get a health insurance quote, visit https://www.benepath.com
Running a small business is a real challenge, particularly in this kind of an economic climate. Well, that’s a bit of a no-brainer isn’t it? Sure it’s tough to run a company in this kind of economic climate, but what is even harder is finding reasonable health insurance for the self-employed.
Well, yes and no. Yes, it’s a bit harder to find, but it “can” be done. All you need to do to get health insurance for small businesses is to form a group of like-minded people – maybe in the same line of work you are in – and apply to a medical insurance company as a group.
Have all your ducks in a row and by the time all the people you need are onboard and really to roll, you will have good news for everyone – they will get to take advantage of lower rates because they now have group insurance. Sometimes the simplest solutions to problems are the right ones for the time and occasion.
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
A lot of people complain that they can’t afford health insurance – but – did they think to ask the insurance agent about getting affordable health insurance quotes? In a great number of cases, the person wanting a quote never mentions they are on a budget and if they don’t do that, they get policies with higher price tags shown to them. On the other hand if they had said right up front that they were working with a budget, the insurance agent would have found policies that would fit into their price range.
All it takes is being honest right away and mentioning you don’t have a lot of money, but know you need health care, what can the agent find for you? Ask a ton of questions, tell the agent your concerns, what you need for cover and let them know about any health conditions you have. They aren’t there to judge you or to deny you insurance. There is “always” something out there that will work for YOU – just ASK.
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.
In one of our last blog entries, we discussed the fact that there are two sides to the argument that health insurance rates are going to go up – those who say no, the competition will drive the rates down versus those who say with a higher medical loss ratio, the rates will go up. Since we don’t have any real way to figuring out what will “really” happen, we’re left trying to monitor online news about what is happening in the health insurance industry. What are some of the major carriers going to do when the medical loss ratio goes up to 80%?
Well lately, it seems there has been more speculation that when the loss ratio goes up, so does the price of the premiums. That actually makes sense because an insurance company is a business, and what business do you know will willingly run at a loss for their customers? If you said no business would do that or they’d go bankrupt, you’d be right. That means if the prices are quite likely to go up with the advent of health care reform, then you might want to think about getting health insurance NOW, and not later.
Your dollars, your health care, your choice – make it one that makes sense financially and health wise.
To learn more and get a health insurance quote, 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
Don’t know where to start hunting for affordable health insurance quotes? Get online, and if you don’t know how to use a computer, get a friend who does to give you a hand. This is one of the quickest and easiest ways to get instant information about health insurance, and we all know deep within our heart of hearts that we “do” need health insurance or we’d go broke in about two seconds flat if we needed medical help.
Make a list of questions you want answers to before you start looking for quotes. When you find a site that you resonate with, then spend some time on it and look around. Ask for quotes, examine what you get sent later and then make it a point to call the agent who sent the health insurance quotes. Although many people don’t like talking to an insurance agent, it’s often the only way you’re going to get answers to some of your questions about “your” health situation.
To learn more and get a health insurance quote, visit https://www.benepath.com
