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.
If the price of health insurance quotes will actually go up as some industry analysts suggest may be the case, then how is that going to help the millions of Americans who don’t have health insurance plans now? The answer is it won’t help them, because if they can’t afford a health insurance plan “now” then they won’t be able to afford one later either.
Furthermore, since health care reform was intended to level the playing field for everyone to be able to get health insurance, if insurance companies jack the prices up to recoup their projected losses, how does that affect the intention and actuality of health care reform? It seems that insurance companies don’t want to play their part in keeping the nation healthier and reducing medical expenses, but are definitely interested in making “more” money on the backs of those who need health insurance.
Ask yourself this question as well: “If mandated insurance does become a reality, and people are forced to buy health insurance, where is the money going to come from to ‘pay’ for the health insurance?”
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.
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
That old saying that health means wealth is so true. If you are not healthy, you can’t work. If you can’t work, you don’t have an income. Rather like a vicious circle. Thus, the best plan, besides finding an affordable health insurance plan, is to stay as healthy as you can and work at it. The things you want the most in life, you generally have to work hard for them.
Even if you are healthy though, you will still need some form of a health insurance policy. Why? Because sometimes bad things happen to good people, and you will need that policy to help you pay your unexpected medical bills. If you have kids, or even if you don’t, you too can trip over something and fall and break a wrist or leg. Things happen and without health insurance in place to deal with such disasters, you get soaked for paying the bill on your own. Try to stay as healthy as possible. It may be your best bet yet.
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.
You need to know how expensive the policy will be because it has to fit into your budget plans. Interestingly enough many people take the first policy an agent recommends. While it could be a good recommendation, you should get more information.
The agent recommended policy may not be the right kind of family health insurance plan for you. Education is the big thing here. Compare at least three plans and remember that the cheapest isn’t always the best. Cheap does not always equate to good coverage. If you do want decent coverage, you may need to revise your budget a bit.
To learn more and get a health insurance quote, visit https://www.benepath.com
We teach our children at a young age the difference between wants and needs, and in spite of our best efforts their understanding of this concept takes a while to sink in. If you’re a parent like me, you know its just how it is – if your aren’t a parent, go ask one.
And even when we grow up, not all of us have attained a real understanding of the difference. Its confusing and there are many blurry lines.
When it comes to health care, there should be NO confusion – getting care is a need not a want.
But having a copay is a want if you are buying health insurance for yourself.
Sure its convenient, its easy, and its nice to have. But it is not a need and its far more expensive than it is worth if you are buying insurance for yourself. (If you are getting your health insurance from your employer, this post isn’t really for you – get all the benefits you can…)
But when you have to pay for your own insurance, you will pay much more in additional premiums than the copay is worth.
An in-network office visit is going to cost about $45 – $75 after the insurance company discount and depending on whether the care is for primary or specialty care. So a $35 copay is only giving you a $10 to $40 benefit for every visit you have.
The additional health insurance premium you will pay is typically at least 25% more than the same plan without a copay.
So a plan that costs $4000 with a copay would cost about $3000 without an office copay benefit.
That’s a savings of $1000 a year which would cover the actual benefit you would receive on roughly 50 office visits a year.
How many times do you go to the doctor a year and do the math. I am pretty confident you will find out that the office visit is not the right decision.
