Health insurance quotes are just the tip of the iceberg. Getting a quote does not tell you what is in the policy you may want or what is “not” in the policy you may want. It only tells you that you are eligible for health insurance based on some criteria you responded to when you asked for a quote. Really, you need to know more before making a buying decision.
Other things you need to know, besides the price of the policy, are what is included, what is excluded, what the co-pays are, what the deductibles are and – well, you get the idea, you need to do your homework and thoroughly cover your bases. Be sure you are getting what you really do need and want when it comes to a health insurance plan. No sense spending good money to get a policy that won’t cover you for something you “need” it for in the first place. This is one of the major reasons that you need to ask as many questions as you can when choosing a health insurance policy.
To learn more and get a health insurance quote, visit https://www.benepath.com
Since we’re talking about choices, there are a couple of them that you could consider: HMOs and PPOs. Again, each of these plans offers something different, and your choice will largely depend on what you “want” at the end of the day when it comes to health care options. For instance, the HMOs are fairly cheap, but restrictive – meaning you can only use the doctors in their network. That might work for you, and then again, it might not. If you go out-of-network, it will cost you big bucks to pay the doctor, plus you have to report to your primary care specialist. They also have a rep of denying more claims than they pay.
PPOs give you access to more doctors, and that includes specialists. You can get referrals and that comes in handy when you need that specialist. You don’t need to report to your primary care doc either. Does this come with a higher price tag? Yes, it does, but if that is what you want, it may well be worth it.
To learn more and get a health insurance quote, visit https://www.benepath.com
The good news is that there are a whole lot of choices out there for affordable health insurance; choices that will make you reconsider not having any health insurance coverage at all. While it’s hard to know what might be the right or wrong choice for you, the answer to that is: it’s your own personal preferences that will dictate what you want and need. So really, there are no wrong answers or right answers, just answers that make sense for you and your situation.
Before trekking off into cyberspace looking for affordable health insurance quotes, make a list of what you know you want and need. It helps when you have to start whittling down the choices you find as a result of your online search. Yes, the information may be overwhelming, but stick with it and you will eventually find what suits you to a “T.”
To learn more and get a health insurance quote, visit https://www.benepath.com
The whole idea of health care reform is a good one, but its implementation may leave something to be desired. For instance, there is a great debate over what will happen to health insurance quotes now that health care reform has been passed into law and changes have started to happen.
On one side of the fence people say the cost of health insurance premiums will go up. On the other, they say they will go down. Funny thing is there are good arguments for both sides of this issue. They will go down because in the initial rush to sign up more people (to make more money), insurance companies will have good rates to be competitive; rates that might only last for a year until renewal time.
They will go up because if the medical loss ratio for insurance companies is now pegged at 80% then the insurance companies won’t take that hit on their own. They will pass that back down to the consumers in higher insurance premiums. What do you think?
To learn more and get a health insurance quote, visit https://www.benepath.com
Did you decide you want to use an agent?
I hope so, because you can avoid a lot of mistakes if you did.
But how do you find and pick a good one?
Well, a good place to start is by getting a quote at Benepath ;-), or you can check out the National Association of Health Underwriters or the Independent Health Insurance Association. But seriously, there are a few important things to consider when selecting an agent:
How much experience does the agent have? Personally, I would not work with anyone who has not been doing this for less than one year or at least who works directly with more experienced agents. There are two reasons for this. First, most people (over 80%) who start in the insurance business don’t make it past the first year. So, anyone who makes it past the first year is more likely to be around when you need them. The second reason is someone with a year’s experience has been able to see enough of the good and the bad of carriers in your area to have good judgment about the options for you.
How knowledgeable is the agent? – Just because someone has been in the business 10 years does not mean they are a professional. You want to ask questions that give the agent an opportunity to demonstrate to you that they know their trade. Ask them to tell you the pluses and minuses of the different carriers in your area. Look for details and not just generalizations.
Does the agent represent all the major carriers in your area? You want to make sure the agent represents the major carriers in your area and you know who they are. If you don’t, just read the billboards as you drive down your local freeway… Stay away from agents who only represent one carrier. These are captive agents and their job is to represent the company they work for and to sell you their policies. Maybe their program is the best for you, but in most cases and independent agent can represent that carrier as well. You want an agent who can provide you with multiple health insurance quotes and give you side by side comparisons of the benefits and price of each plan.
Ask them about their process for helping you pick the right plan. There are literally over 1,000 possible plans to choose from when you add up all the various options, copays, deductibles, etc. They should have a good answer for this question; one that lays out a serious path for matching you up with that right health plan.
Now pick up the phone and start asking some good questions.
Happy Hunting!
New viruses take their toll physically and financially. Be prepared to deal with new medical problems by having affordable health insurance.
Lately it seems like every time you turn around there is a new bug making its way around the world. Some of them may be treated with existing medicines; some of them may not. Either way, if you wind up getting sick and need a lot of doctoring, and if you don’t have affordable health insurance that covers your needs, you may have a problem on your hands.
Let’s face it, if you come down with something new and difficult to treat, you will likely be paying out more money than you have budgeted. That’s due to the nature of our expensive health care system. Even if you do have a high deductible, you’re going to be in a pinch financially. What are your options? The main option is to find affordable health insurance that offers the kind of coverage you need. Start by working out your budget first and then working out what you need. With list in hand, hit the Internet and start searching for health insurance quotes.
Once you’ve found a few sites that you like and that are professional and up-to-date in their information, ask for quotes and then compare them with others you have. Go for about three or four quotes to get an idea of what is out there. Pare down your list to show you the affordable health insurance quotes.
Next, you comb through what each of those affordable plans offers. For this you may need to speak directly to a health insurance agent. Write out a complete list of things you want answered and go to town asking them all. It’s important that you know that what you may get is what you need. Once you have found a cost match, your benefits are very important. Be careful here because some of the quotes may look enticing financially, but don’t offer the cover you need. So, read the fine print.
Weed out what is not suited for you and keep going until you have a quote that offers good benefits and it works with your budget; something you can manage financially. While this might seem like a daunting process, it does pay off in the long run with the thing you needed the most – affordable 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.
If you’ve visited a website and seen quotes that list something called the “preferred rate” it means that would be the price a person in good health would pay for a health insurance policy. If you have pre-existing conditions and are not in good health, you do not get the preferred rate. In fact, depending on your condition, you may be shelling out up to 50% more than the preferred rate to even get insurance – if the health insurance company agrees to insure you. If you want reasonable health insurance, stay in good shape, eat right and do all things in moderation.
There are other options such as approaching a larger company. Larger firms all underwrite differently and they may just take you, provided you pay a higher premium. If this doesn’t work, ask a health insurance agent about your state risk pool.
To learn more about Health insurance quotes, affordable health insurance, affordable health insurance quotes, health insurance plans, visit Benepath.com.
Tell your health insurance agent right off the bat if you have any health conditions for which you are receiving treatment. No sense hiding that information, because it comes out later anyway. There is a chance that you will be excluded/declined for health insurance at one of two companies, but that’s life. It doesn’t mean you can’t get health insurance ever.
In the long run you will need to go with a carrier who will cover you, pre-existing condition and all. And yes, there are carriers who will take you on even with pre-existing conditions. It just takes some time and patience on your part to find one.
To learn more about Health insurance quotes, affordable health insurance, affordable health insurance quotes, health insurance plans, visit Benepath.com.
The debate over health care reform is not as volatile as it once was. Now, with the change in the makeup up the House, things might be different. The thing to consider is this: if the House is not able to deal with the energy crisis, the economic crisis, the comprehensive immigration crisis (and the list goes on), how will they deal with health care reform?
A House with a completely different composition passed health care reform. This is politics we are talking about, and in politics, whichever way the wind blows is how the House and Senate vote. This does not bode well for the future of health care reform. Some may say “yay!” and others may have regrets for the possible demise of a promising step forward in American health care.
How do you feel about it?
To learn more and get a health insurance quote, visit https://www.benepath.com
Millions of Americans do not have health insurance because of the cost, the coverage or they don’t think they have an actual need for it. While it’s certainly a personal choice, one thing should always be kept in the back of your mind. At some point, everyone will need medical assistance; that’s just how life happens to be.
Get educated about the various plans on the market. While they may appear to be confusing, talking to a health insurance broker will take care of that for you. After all, it might be as easy as finding out what the differences are between a Health Savings Account, a Co-Pay or Major Medical Insurance.
For example, one of the most reasonable plans is the Co-Pay plan. It co-pays expenses for doctors, medication and prevention. Instead of paying the full bill for a visit to the physician, you only pay a portion of the fee and most people find that to be affordable.
