People across the country have just seen a 20 – 50% increases in health insurance quotes in 2010. Kaiser Health News even recently reported on how government regulators were having a tough time determining the definition of an unreasonable rate increase.
Shopping for a health insurance quote has never been so important or so necessary for businesses and individuals alike. Providing a quality standard of living is important for the well being of employees and their families and may seem like a challenge in today’s economic climate. With so many options available for medical coverage, it is difficult to know who to contact and even if it is worthwhile.
It may seem tempting to push the research for an affordable health insurance quote to the back burner, but not making that call can mean the difference of thousands of dollars. A health insurance quote may seem to have skyrocketed outside your budget, but what has become truly unaffordable to many is the meteorical rise in medical costs. If the need arises for any type of procedure involving surgery, hospitalization, ongoing treatments and prescription medication, you will be faced with serious costs that most people cannot afford (That’s why health insurance is soo expensive…).
The advantage of getting health insurance is that you are getting some means of being able to handle exorbitant medical bills.
Going through one of Benepath’s national network of insurance agents gives you the absolute best prices from the top insurance carriers in the nation with service from a local agent who understands which carriers are the best in your community for your needs. They will also give you a health insurance quote comparisons from all the top carriers to determine which is the most cost effective plan for you that covers the essentials you need.
Because medical costs keep rising, it is important to enroll in some type of coverage now, before the health insurance prices get even higher, even if all you do is get the most basic plan. There are three major reasons that could save you thousands for getting your health insurance plan now:
Avoid Future Increases in Health Insurance Rates. We have just seen how rates have grown 20-50%. How much higher are they going to be when you finally make your decision on a health insurance plan?
Don’t Wait Until its Too Late. It may be too late if you wait too long and you or a family member becomes sick. At the very best your costs will be higher and the worst case scenario may be that you cannot even get insurance.
Peace of Mind. While the others are quantifiable, there is nothing like knowing you and your family have good coverage and that you won’t have to worry about what might happen.
If you opt to not have a plan because of high insurance rates, do not wait until your health is a problem to start looking. If your health plan has been to not visit the doctor and not take medications, you may be quite surprised when you finally have a reason to check health insurance quotes. Health insurance companies view sick people as a risk, so they charge you more because they are more likely to pay more in actual claims than they receive in premiums. Depending on your condition and the carrier, you may not even be able to get coverage or could have your coverage taken away after you approved because of some technicality. The LA Times reported on how several insurers rescinded policies for many people who were sick due to technicalities in their applications.
Even though health insurance rates are high, hospital bills, surgeons, medications, and post procedure care can be exorbitant. What could have been manageable with a monthly payment for a health insurance plan now threatens the ability for you and your family to enjoy a healthy and happy life. In the end, it pays to have health insurance. Your health insurance rates will also impacted by your age, your past health record, and the part of the United States that you live in.
Before you buy a policy, you have to pick the health insurance plan to buy…
Too many people are trying to do this by themselves, thinking they can pick a health plan as easily as choosing a brand of peanut butter. More often than not, they end up very dissapointed with the results.Makes sense, but it just isn’t that easy.
My advice is to carefully choose an insurance agent and work with them to find the right coverage for you at the best possible price. Doing this is free and you directly benefit from the agent’s experience and expertise. Remember these men and women are doing this as a job and most insurance agents who sell individual health insurance focus on that market, meaning they are not really doing many other things than working with people like yourself to find health insurance.
So, they know which carriers pay their claims timely, they know which carriers have quality policies without lots of loopholes, they know which carriers have the best provider networks and so on. They also know the experience of their customers as they always get the call if things go wrong.
In future blogs I’ll give you some pointers on picking a good agent and on buying a policy yourself if you really don’t want an agent.
Happy Hunting!
Posted on Wednesday, May 12th, 2010. Filed under Health Insurance.
If you want to save more money on your health insurance plan, pay attention to what kind of drugs you are taking. If they happen to be brand name drugs, you will be paying more for that because they are brand names. In order to reduce the price of your drugs, why not consider using generic drugs? In most instances, they are the same thing as the original drug, but they are substantially cheaper. Health plans that have strong incentives to take generics provide a lot of savings. Here’s some great information on generic drugs from the Federal Trade Commission.
In some cases, you may find the drug is formulated differently and it may upset your stomach or give you other side effects. If this happens, then you may want to speak to your doctor and have a prescription written showing “no substitutions”
For example: let’s say you take Pariet for acid reflux. You’re doing fine with it until they switch you to a generic drug and instead of shutting off the acid the generic drug gives you acid. It happens. After a chat with your physician, you could get put back on the original drug.
To learn more about Health insurance quotes, affordable health insurance, health insurance plans, visit Benepath.com.
Posted on Thursday, April 15th, 2010. Filed under Health Insurance.
It’s all about saving money today, about not spending much, cutting back, not buying extra things and making do. Unfortunately, many people have totally cut out their health insurance plans and no longer have coverage; a high risk thing to do. Perhaps you didn’t know this, but there are several ways to cut the costs of health insurance plan premiums and actually get affordable health insurance.
For starters, people have take control over their own health. All it takes is being proactive and taking care of your own body, because it’s a known fact that health insurance companies will usually offer lower monthly premiums if you take care of yourself, don’t go to the doctor too often, and don’t use too many prescriptions.
To learn more about Health insurance quotes, affordable health insurance, affordable health insurance quotes, health insurance plans, visit Benepath.com.
Posted on Monday, March 29th, 2010. Filed under Health Insurance.
It doesn’t take a fancy gym and a hard workout to stay healthy. It can be something as simple as eating healthier food, doing some form of exercise, not smoking, doing drugs or drinking to excess. These simple choices can cut your health insurance premiums down.
Another way to save money on health insurance premiums is the tried and true method of shop until you drop and find a deal. An expert health insurance broker is able to tell you who the best carriers are and what they are charging. Compare those prices along with what coverage they offer and chances are there will be an affordable health insurance plan in the bunch.
To learn more about Health insurance quotes, affordable health insurance, affordable health insurance quotes, health insurance plans, visit Benepath.com.
Posted on Sunday, March 28th, 2010. Filed under Health Insurance.
Health insurance is – well – insurance taken out to insure you against being hit with medical expenses. In its most basic form, it’s an agreement/contract between an insurance company and you, or your sponsor (an employer) and you. There are other forms of health insurance contracts such as government-sponsored programs or other health insurance plans from private insurance companies.
In order to keep this health insurance plan active and ready to use, you pay for it every month. We’re assuming that you have already gotten some good health insurance quotes and have bought affordable health insurance; meaning affordable health insurance for your budget.
After the premium there’s the deductible. This is the chunk of change you pay out of your own pocket before the insurance company kicks in with its share. Then there is also something called a co-payment and this is the amount of money you (the insured) pay out before the health insurance company pays anything on your behalf. When in doubt, call your local insurance agent for answers to your questions.
To learn more about Health insurance quotes, affordable health insurance, affordable health insurance quotes, health insurance plans, visit Benepath.com.
Posted on Thursday, March 25th, 2010. Filed under Health Insurance.
Make the conscious choice to pay out a higher deductible; the money you pay for medical bills “before” your health insurance takes over. The benefit is that the high deductible health plan is paired up with a lower monthly premium. So, if you’re a healthy, happy camper more often than not, don’t see the doctor too often or get that many prescriptions, this kind of plan is easy to pay for every month.
No matter what it is you need when it comes to a health insurance plan, there “is” something out there for you. It just takes some patience to find it.
To learn more about Health insurance quotes, affordable health insurance, affordable health insurance quotes, health insurance plans, visit Benepath.com.
Posted on Saturday, March 13th, 2010. Filed under Health Insurance.
You found a great health insurance plan online and that is the one you want. You’ve decided it sounds just like what you need and it’s a good price. You call the health insurance agent and find out that you can’t get that plan despite the fact that it’s on their website. What the heck is up with that?
The fact is that you likely don’t qualify for “that” plan because you have pre-existing conditions and the plan you read about is for someone who is a lot younger and in prime physical health. Real reality and virtual reality are two different things. The fact is your circumstances may not match the “ideal” qualifications of that plan on the site. Always call a health insurance broker for free advice and talk about what would suit you. It’s time well spent.
To learn more, visit https://www.benepath.com.
Posted on Saturday, February 20th, 2010. Filed under Health Insurance.
Shopping for a health insurance quote has never been so important or so necessary for businesses and individuals alike. Providing a quality standard of living is important for the well being of employees and their families and may seem like a challenge in today’s economic climate. With so many options available for medical coverage, it is difficult to know who to contact and even if it is worthwhile.
