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
With new diseases on the horizon, we need affordable health insurance. Getting affordable health insurance quotes is a good place to start.
Getting sick these days without the benefit of having a health insurance plan in place is pretty risky; risky because if you need medical care, the cost of that care may wipe out your bank account. That’s honestly not too farfetched either. The cost for medical care for things like broken bones would almost put you in the poor house, unless you have a very high income, something that a lot of Americans do not have.
Many people today are lucky to have enough money to put food on the table and keep a roof over their heads. This isn’t to say that there aren’t affordable health insurance plans out there that you can take advantage of by doing a bit of homework, because the truth is, there is always something that will suit your budget no matter what it is.
Get started looking for affordable health insurance by doing some online surfing. It’s easy, it’s convenient and you can do it in your jammies. You can’t beat that, plus it gives you the chance to take notes and make a list of questions, because at some point, you will need to ask a real live person those questions to get a better sense of what they are offering in terms of affordable health insurance.
While it’s hard to really know if the company website you are clicking on is reputable, there are a few things you can do to find out. If they have been in business for a long time, that means they are stable and know their products and are likely credible. Ask around and find out if any of your relatives or friends have insurance with them and how they like the service, etc.
Step two is to ask for affordable health insurance quotes. Try and have a bit of play in your budget if there are things you really need to have in a health insurance policy. Spell everything out and be honest about your pre-existing conditions, as this will give them an accurate picture of what you will need and also help them provide you with health insurance quotes. By the way, remember that if you ask more than one insurance company to give you quotes, that you need to give each one of them the same information. If you don’t do that, your quotes won’t be accurate.
Line up anywhere from four to six health insurance quotes, or more if you can stand the confusion of trying to compare that many quotes at once. Honestly? Ideally, working with four quotes is usually the best tactic and you can start by comparing prices “before” you sign up for anything. Find out why the health insurance quotes you got were different prices: for instance, did one have coverage for asthma and the other did not? You get the idea; you’re comparing actual coverage offered rather than just determining who you want to go with based on pricing alone.
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.
Some say that fit is best. Others say if you are fat you can still be fit, and some people have even proven that. What’s the truth? The truth is that each person is unique and what works for them won’t work for another individual. If a fat person is fit, then that worked for them and there you have it. If a fit person has terrible lifestyle choices when it comes to eating, are they really fit? Does it really matter a whole lot in the final analysis?
Frankly, any debate about health care issues tends to boil down to one side saying they are right and the other side saying no, they are right. Truth is that both of them are right – right for their particular points of view because that is what worked for them and thus is what’s right for them. If you want to just stay out of the hot debate over right versus wrong, then live well, eat healthy, be happy, reduce stress and do your best. That’s all you can do.
To learn more and get a health insurance quote, visit https://www.benepath.com
Any time you have ever been involved in a debate over the current health care system since the advent of health care reform, you come away feeling more confused and frustrated than ever. While everyone seems to have ideas, no one knows how to go about making any difference in the long-term. Sure there are changes in the wind, but you wonder if they will actually “do” what they are intended to do. Debates are great, but rarely are there answers on either side.
Well, now that health care reform is officially “here,” you have to wonder what is coming next. Will mandated health insurance fly? Will insurance companies do their part and not charge people and arm and a leg for health insurance? Will everyone really have to have health insurance by 2014 and if so, how is that going to be enforced? So many questions, and not enough answers. What do you think?
To learn more and get a health insurance quote, visit https://www.benepath.com
There is nothing wrong with buying a health insurance plan recommended by an agent. It might be just the thing you need. The problem is that if you do accept a recommendation at face value and don’t do some of your own checking, you might find that you have a policy that doesn’t really suit you and it costs more than you wanted to pay. This isn’t to say that the agent did a poor job; it just means that they don’t totally know “you,” but, you do know what you want. Knowing what you want and need is one of the smartest moves possible when it comes to buying health insurance plans. After all, it’s your body, your health and your money, so you will want something that fits your budget, addresses your health requirements and keeps the body running.
Ultimately, you need to delve deeper into what plans are recommended to you. They may suit you and they may not, but if you take the time to find that out, then you won’t be wondering what you may have missed out on that might have been less expensive and covered more.
To learn more and get a health insurance quote, visit https://www.benepath.com
It’s nice to know instantly if you qualify for health insurance. Instant health insurance quotes also provide approximate premium prices.
It’s becoming a world where it is ultimately crucial that you and your family have health insurance; affordable health insurance. If you want that kind of information quickly, after all we are in the age of instant this and that, then accessing instant health insurance quotes will let you know within seconds if you qualify for a health insurance plan and what the costs may be. Leave the work of quoting to the health insurance website, because it means more time for you to do what you really want to do instead of searching for affordable health insurance.
There are a whole lot of people out there that are working harder and longer than ever before and making less to show for it. What they are making, they stash away for their children’s future. They don’t think they can afford any type of health insurance plans. More to the point is this question: “Can they afford ‘not’ to have a health insurance plan?” The answer is: “No, they can’t afford ‘not’ to have health insurance.” Not in today’s world of high cost medical care for everything from soup to nuts. Even a broken leg may run to $20,000; money most people don’t have on hand.
The bottom line here is that having good health and keeping it, is critical for you and your family. If you don’t have your health, chances are you will run the risk of losing what savings you do have to pay medical bills that could have been covered by your health insurance plan. Health is wealth and “means” wealth if you can keep working and stay healthy – with the assistance of a health insurance plan.
In other words, if you don’t want to be in the situation where you have to declare medical bankruptcy, then you need to be checking out health insurance quotes. Before you get started, know what kind of health insurance you want for you and your family.
Once you have a good idea of what that is, hit the Internet and do some online searching for an insurance website that provides instant health insurance quotes. Instant health insurance quotes are a bit like playing Bingo – under the ‘A’ for affordable health insurance, under the ‘H’ for health insurance plans and health insurance quotes.
The whole idea in sourcing instant health insurance quotes is to let you know right away what is out there and what you qualify for in terms of health insurance plans. Knowledge is power; make it work to your advantage.
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.
