When it is time to get health insurance, the first thing people think is that they cannot afford it and that they will not be able to find what they need, so why bother. Contrary to popular belief, you actually can find reasonably priced health insurance by taking the time to shop around.
We do not often buy the first car or house we see, so why would we buy the first health insurance policy we find? To that end, ask around and get at least three to five different quotes from different insurance agencies. For example, ask for a quote from an insurance company that sells all types of insurance, including health insurance and then, ask an agency that only sells health insurance. Three to five quotes offer you a wider variety of choices before making the final buying decision.
Never buy the first policy you find no matter how much of a good a deal you think you may be getting. Why? Because you will not know if it is the cheapest deal unless you compare it to other options and other policies with other agencies. If by chance the first policy does turn out to be the cheapest, then you have made a great buy.
Another way to save money on buying an insurance policy is to trim it down to what you absolutely really need. There is no sense in over-insuring. So just make certain you have enough coverage, but that you are not paying for coverage that you do not need and would never use. Along the same line of thinking, give some consideration to a high deductible plan and a health saving account combination or ask an insurance agent what would be a good health insurance combination that meets your needs but does not break your budget. There are often incentives and financial breaks to be had in a combination health insurance plan, so ask and find out what you could save.
Are you still employed and receive work-sponsored health care insurance? Even if you buy supplemental health insurance, it tends to be less expensive than going out on your own and buying a policy. A workplace sponsored health insurance plan tends to be cheaper than private insurance.
The real secret to finding reasonably priced insurance? Shop around, be diligent in asking questions, do not over insure yourself and seek ways to reduce your payments (if you get company-sponsored insurance). It may take time, but in the end, you are likely to get what you actually want and need.
With a new administration promising to repeal the Affordable Care Act (ACA), 2017 may be a different year. However, with all large changes that may be coming, it is virtually guaranteed that repealing the ACA and replacing it with something else requires, in the words of House Speaker Paul Ryan, “a good transition period.” No matter how much Americans want change that change will need to accommodate the over 20 million people who did buy health insurance under the ACA.
A replacement plan has to be put into place before the ACA could be repealed. While there is a replacement plan on the table, it is not clear if that plan will be sufficient for American families and seniors to keep affordable health insurance that suits their needs. In the meantime, things remain unaffected, pending changes.
One portion of the ACA, referring to coverage for individuals with pre-existing conditions and young adults staying on their parents insurance until they turn 26 may be kept and/or tweaked as new plans are formulated.
Speaker Ryan was not clear on how long a transition period would last, but some reports indicate that it might take up to three years to accomplish the kind of massive shift in health care.
This is an ironic story, about a man who figured he did not need health insurance. He was big. He was tough. He worked hard as a logger and was in great shape. He was lean, mean and knew a thing or two about felling huge trees so no one got hurt. He was good at his job, which made him job supervisor at the logging camp. He was always healthy, always on the go and always in great spirits. He loved teaching newbies how to cut trees down the right way.
One day, a newbie did not pay attention to what he was told. The tree he was working on fell the wrong way, right on top of the man who did not need health insurance, that healthy, active, logging supervisor. He was airlifted to the nearest hospital in critical condition with blunt force trauma injuries to the head and abdomen. His pelvis was crushed and he faced a possible leg amputation.
The supervisor did not get out of hospital for eight long and brutal months. He survived. His life could be pulled back together again. But could he pay for his medical care without insurance? No. It’s not about being too strong or healthy to need insurance. You need insurance for the events and illnesses you cannot plan for.
What would you do in a similar situation if you did not have health insurance to help defray expenses? Maybe it’s time to go online and find an affordable health insurance plan.
More people are using hospitals for care they should be getting from their own doctors.
The health care system is a bit strange. It’s not universal health care, and it was originally created for crisis type emergencies such as heart attacks, traumatic brain injury or spinal injuries etc.
In the 21st century, the system is jammed with people who use hospitals like they were in a doctor’s office. This has bent the system so far out of shape it’s amazing.
To fill these holes, health insurance companies offered health insurance quotes to those who needed the health insurance for emergencies. However, needing health insurance and affording it are two different things.
Many Americans say they can’t afford health care. In fact, close to 4 million of them have decided to not carry health insurance, even when provided with affordable health insurance quotes. Cost was given as the reason for their decision not to get insurance.
That may be questionable, but then again, by 2014 these individuals will be mandated to have health insurance.
Click here and get a health insurance quote, visit https://www.benepath.com
There’s a lot of hype about what health insurance policies will cost in 2014. Does anyone know if it is true? In a word? No. It could go either way, as it is largely uncharted territory. While it is nice to suggest bulk buying in turn reduces premium prices that is not always the way things work. But the thing is, not everyone will want the choices presented to them. That’s inevitable. Some say there will not be as many choices then as there is now. But who knows?
Some pundits also speculate that prices may be higher because there is a captive market. Then again, they could be lower, because that same market is large and if they all buy a policy, the insurance dudes can lower prices. And then, what about the government? Where do they fit into all of this? What are they going to do for those who need health insurance, but are homeless? And they pay for a policy how? 2014 is likely to bring more questions, rather than provide clear direction and answers for people wanting how the new normal will affect them. Get your health insurance now. It’s a smart way to beat the confusion.
Click here and get a health insurance quote, visit https://www.benepath.com
So you think that getting health insurance is not going to happen, because it is too expense and you don’t have the money. That’s an old myth. The reality is you can get affordable health insurance quotes these days, specifically suited to your budget. In short, you have the control over what you want to pay for a policy. Yes, you may need to spend a bit more if you want extra things added, but by and large, you can find what you need for a reasonable price; more so NOW, than waiting until 2014. No one really knows what pricing will be like then.
In any event, most people would prefer to look for insurance on their own and not get told what they have to buy. There is no such thing as one size fits all when it comes to health insurance. Like fingerprints, your health is a strictly personal thing. And about not getting health insurance? Without health insurance in a medical crisis, you will have a bill so big, you may need to mortgage your home to pay it. Financially, you will be close to bankruptcy. Think twice about not having health insurance. Your physical and financial health depends on it.
Click here and get a health insurance quote, visit https://www.benepath.com
There is a myth that affordable health insurance just can’t be found. Well, actually, it can so. Just take the time to search online, or by talking to an insurance agent, to see what you can come up with. Even if you are out of a job, and have lost the health insurance coverage you had with it, it is still possible to find health insurance that you can afford. While it might take you some time to find something you are happy with, that does not mean it does not exist.
We have found that some larger insurance companies plant the idea that there is no such thing as affordable health insurance unless people buy from them. Big red warning flag. Don’t believe it. There are deals out there. You just need to search for them. And, since you would search diligently for a new car, why wouldn’t you search diligently for good and affordable health insurance?
Click here and get a health insurance quote, visit https://www.benepath.com
Even with the advent of better insurance policies for everyone, more insurance policies designed for just about every conceivable situation and the looming insurance exchanges in 2014, people still think affordable health insurance quotes are a myth. They are not a myth. You can find some nice deals online by taking the time to shop and compare.
And, if you are in a rush and don’t want to spend the time searching, call an agent and tell them what you want. It takes them a lot less time to find what you need than it would for you to spend a week online, every day after work trying to compare quotes. Besides, who wants to read all the fine print when you can have it explained to you in a nutshell? Just remember though, if you don’t know or understand something —- ASK. It’s important you know what your policy does and does not cover.
Click here and get a health insurance quote, visit https://www.benepath.com
Despite what people think, there are low cost health insurance plans for those that work at home and those without jobs.
It is possible to get a low cost health insurance plan, and anyone that told you otherwise was mistaken. There are health insurance plans that suit the needs and the budgets of out-of-work Americans and Americans who work out of their homes. With determination and patience, you can find exactly what you need, at a reasonable price.
No one says you have to have all the bells and whistles, but it only makes sense to have a good, solid, basic health insurance plan in place for those “what if” moments in life that happen all the time without warning. Yes, there are millions out-of-work right now that are frightened to think they have no coverage and dread what would happen financially if they needed medical care. They feel they cannot afford to pay for it, since they have little or nothing coming in.
While that is an understandable point of view, it is also largely based on the false premise that there is no such thing as affordable health insurance plans. In direct contradiction to that myth, there are low cost plans available for those willing to search for them. Additionally, it is better to get a plan now, rather than wait for 2014 when no one really knows for sure what the price of health insurance will be. Now, it is fairly competitive and you stand a chance of it staying that way if you buy now.
Come 2014, you may pay less or you may pay more, and you may pay less to start, but have the price jacked up over time. If you want some control over what you get, now is the time to go online and start looking. In the long run, it is better to be covered than not, as not being insured guarantees you staggering medical bills, even for the smallest of procedures.
If you are ever in an accident and need to be in hospital, your bill could run into the thousands. Add in surgery, and it goes up even more. Do you want to live life on the edge, without health insurance, wondering when something is going to happen that would wipe you out financially? Most people would prefer the safety net of health insurance rather than a bill collector for the medical bills you cannot pay in the foreseeable future.
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.
Is it odd that health insurance quotes are just as vital as car insurance quotes? Your health is as important as your car.
It makes sense to most Americans that they need to get a car insurance quote, but oddly, they think health insurance quotes are not necessary. Nothing could be further from the truth. Both types of insurance are important, but health insurance will save your life. Think you can’t afford health insurance? The honest truth is you cannot afford to “not” have it. If something happens, like a car accident, and you have no insurance, you are stuck with the bills. Could you pay them? Many people could not.
Some feel there is no such thing as affordable health insurance and that spending time looking for health insurance quotes is useless. This is a misconception, largely because the industry is quite competitive right now and there are good deals to be found online. Why not try it out and see for yourself? Your health and the health of your family are vitally important. Keep yourself, and them, safe by having a bird in hand when the chips are down and you need expensive medical care.
If you get why you need car insurance, you should get why health insurance is just as important. Take a look around and start doing some online health insurance cost comparisons. You will be surprised at what you may find. It takes some patience to search out what you want, but it is out there. In fact, there are so many different policies, you might get confused. Here is a tip to avoid confusion. Write out a list of precisely what you want and need; in detail. The more you already know and have written down about your needs, the easier it is to find an insurance policy to suits those needs.
No one says you have to go it alone and try to find a policy that works. That is what insurance agents are for, and their advice is free. They are not there to shove a policy down your throat, because they know, as well as you do, that you would not renew and would spread the word. Their aim is to help you select what works for your lifestyle, making you a happy and well covered customer.
Additionally, if you know what you want, you do not end up paying for something you do not need and will not use. It’s your health, your life, your choice and your preferences when it comes to choosing a health insurance policy that honestly works for you when you need it.
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.