If you’re looking for affordable health insurance, the best place to search is online.
Sure, you could make a lot of phone calls to various insurance agencies and ask questions. However, many people find that to be confusing, as there is a vast amount of information you need to tell the agent, and the agent needs to tell you. This is one of the main reasons why shopping online with a list of your needs firmly in hand will take some of the hassle out of the process.
You could also use your list if you wanted to talk to an agent directly, for the personal touch. Some people prefer to speak to someone “live” as they feel they get a better sense of whom the person is, how well they know their products and whether or not they would feel comfortable buying a policy from them. Others prefer to set their budget, make out their complete list of items needed and hit the Internet. Getting online quotes gives the shopper the time to digest all the information they have gathered and then have intelligent questions when they do a phone follow up.
But back to costs for a moment. Americans are well aware of the costs of health care these days. However, for the most part, this is an abstract awareness. It does not truly hit home until they need health care, say an overnight stay in the hospital, and their jaw drops when they get the bill in the mail later. A one night stay typically amounts to a few thousand dollars. If you stay longer for extensive care and rehabilitation, you may lose your home if you do not have health insurance. Scary? You bet it is.
So why is it that millions of Americans do not have health insurance? There are usually two reasons cited: they can’t afford it and they can’t find affordable health insurance. Frankly, people can’t afford not to have health insurance. It’s the only buffer you have against going bankrupt if you need medical care. As for not being able to find affordable health insurance, that is a myth. There are all kinds of policies out there, and the pricing these days is competitive. In short, there is something out there for everyone, no matter what your budget. Best to get it now before you must get it in 2014.
Maybe you think your employer, if you still have a job, should be offering medical insurance. At one time, they did. It was a benefit. Then with rising costs, they cut back on offering health insurance to workers, or discontinued it entirely. Those without jobs are between a rock and a hard place and are scared to invest what money they may have left in health insurance. That is the smartest move you could make. It is a choice of being covered or facing bills so large you will never be able to pay them off. In short, scrimping now to save later when you most need it only makes good sense.
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’re searching for affordable health insurance, do it for yourself.
These days, less than 25 percent of the population gets health insurance through their employers. If your employer does offer health insurance, you get what you get and at a price dictated by the company. Although it is a benefit to you, you may be paying for things you do not need or use. You may well be able to find health insurance for less by looking around. In other words, by opting to get your own individual plan, you may pay less.
Health insurance through a company means you are lumped, as one large group, with everyone else in the company. That will often include overweight individuals, smokers and those with serious illnesses. While that is life, you are paying for that. If you are in pretty good shape, and younger, looking around for affordable health insurance quotes makes sense. You could actually get a lot more insurance tailored to your needs for less.
What’s the best place to look for insurance quotes? You guessed it. Online. The coverage you find there is similar to what your employer may be offering, but the price is typically less. Additionally, you have a choice of insurance providers, deductibles and so forth. If you need something to fit your lifestyle and budget, you’ll find it online quickly.
Having your own health insurance means that no matter where you go if you change jobs, you still have insurance. Considering today’s shaky economy, it’s a good thing to have portable health insurance, as people are changing jobs at an ever increasing pace. You certainly do not want to be without health insurance, not when it means facing enormous medical bills that you would have no way of being able to pay.
While many Americans have opted out of having health insurance because they cannot afford it, the truth of the matter is that they cannot afford “not” to have it. The first time they need to see a doctor or go to emergency for a broken bone, they will end up facing a real dilemma —- how to pay for the care. Additionally, by 2014, you will be required to have coverage. Why not get it now while you have some choices available?
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.
To avoid confusion when searching for health insurance quotes online, do not try and source all the information in one day.
You might think it odd to not to get all the information you can possibly get when searching for health insurance quotes online, since most people just want to get the task over with, fast. The reason you do not want to flood your inbox with too many quotes and information is that you need time to consider each proposal on its own. If you have ten, you forget what one said versus the others. Start with just three for the first day.
Once you have your three quotes, take the time to go through them carefully and make notes. Chances are you will have questions. This is the time to ask them. Call the agent and find out what you need to know. Again, keep notes. Then move on to the next quote. At the end of the day, you have three quotes, with your notes, and it is easy to see which one looks the best in that batch.
On day two, do another three quotes and follow the same routine as above. By the end of the process, you have a good sense of which health insurance quotes look the best. Getting overwhelmed right off the bat only serves to confuse you and convince you that searching for insurance is a pain. It can be, but it does not need to be, not if you break the process down into manageable bits and take the time to know what each policy offers and does not offer.
Yes, you need to know what a policy does not offer, for the simple reason that if you find yourself making an emergency trip to the hospital, you want to know what is covered and what is not. After all, it will be you paying the bill out of your own pocket if you do not know precisely what your policy takes care of and what is not included. Sure, lots of people think reading their insurance policy is akin to getting a root canal. However, knowing what is covered when you need it is far better than finding out by accident (pardon the pun) that you’re stuck with a massive bill because your insurance will not cover you.
So, like the process of sourcing health insurance quotes online, and taking your time to discover the best deal, take your time and get to know your policy. Guaranteed, that knowledge will come in handy later.
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.
Women have different health concerns than men. Health insurance is not one size fits all.
Shopping for health insurance if you’re a women is a bit trickier, but not impossible. Just take your time and remember to ask questions about the things that concern you the most; coverage for pregnancy, wellness checks, fertility services, mammograms and pelvic exams and so forth. You could get possibly get health insurance coverage through your employer, but it may not address your unique needs.
It’s a smart idea to check around for affordable health insurance quotes for a policy that will specifically suit your needs, rather than spend money for coverage that does not kick in for you when you need it. It takes some time to find the perfect fit, but the same thing may be said of trying to find the perfect home or car. You keep looking, knowing it is out there somewhere. Ultimately, you find something that does suit you.
Start the journey searching for health insurance knowing exactly what you expect to be covered for. This is where a list comes in handy. If you are planning to get pregnant, and take care of your health by going to the doctor regularly for wellness checks, then mention that to the insurance agent or broker. If you don’t mention this, it will affect the price of your affordable health insurance quotes. In short, if you leave out information, get a low quote, buy the policy and then get pregnant, you may find you are not covered for some things you thought you were.
Always be up front with an insurance agent or broker, as their job is to find you the best health insurance they can, and they are not able to do that if you do not provide them with an accurate and honest picture of your needs. Sure, we all want to save money, but saving money at the possible expense of your health care needs is not a good idea.
For instance, if you decide to bypass insurance that would be in place for a pregnancy and possibly post-partum services, because you feel it is too expensive, what happens when you need more services than expected due to complications? The bill for the extra medical services comes directly to you to pay. Most people do not have that kind of money on hand. So, take the time to shop around online and get affordable health insurance quotes. Better safe than broke if you have medical issues.
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.
Yes, you really do need health insurance. You will know that for an undisputed fact the minute you need medical care for something serious and you don’t have health insurance. When your treatment is done and you head home with your broken wrist or ankle to recuperate, you will be glad you were able to have a doctor set the break.
When the bill arrives in the mail, you will be faced with a difficult situation. How on earth are you going to pay that kind of money? A broken wrist can run to about $30,000. Do you have that kind of money in the bank? Likely not. If you’d had health insurance, you would not be between a rock and a hard place. If you don’t have health insurance, you might want to think twice about getting it soon.
To learn more and get a health insurance quote, visit https://www.benepath.com
If you don’t have health insurance and you need medical care, who is going to pay the bill? It is a tough question that many Americans are asking themselves these days. With health insurance in play, it means being well, because there is access to preventive care from your primary health care provider. If you don’t have health insurance and need care, you will have to go to an ER for help. The cost of an ER visit is over $1,000.
Do you have that kind of money to pay for services? Most patients don’t. On the other hand, if they had a health insurance plan in place, they would not be paying the full freight for the invoice. Food for thought. Do you want to be well or be bankrupt paying your medical bills?
To learn more and get a health insurance quote, visit https://www.benepath.com
Take advantage of affordable health insurance quotes now, before 2014.
Anticipation is running high for more changes to the health care system in 2014. People are beginning to realize that if they don’t get insurance now, then they will have to get insurance, or else they will be fined. What a conundrum. Is there any way around it? Yes, go online now and check out the affordable health insurance quotes that are available. It’s best to act now, as no one knows for sure what the prices will be like in 2014.
The chance that policies will be higher in 2014 is quite likely, simply based on the fact that insurance companies have been told they may not refuse to insure anyone, even those with pre-existing conditions. Since insurance companies are businesses, they want to make money to cover the risks associated with insuring high risk people. That generally means higher priced premiums. Act now to find affordable health insurance quotes and get a policy in place to beat the last minute rush.
The bottom line in health care these days is you need to have health insurance – now or later. There is no other sensible choice. Without health insurance, you will be dinged to pay the enormous bill you incurred for medical services rendered without the benefit of health insurance. Do you have over $100,000 for heart surgery? More than $30,000 for a broken leg or arm? $15,000 or more for a two-day stay in hospital for pneumonia? You get the picture. No insurance, no one to help pay the bill. With insurance, you have help. It’s pretty straightforward.
Some type of health insurance is necessary, whether it is basic coverage or a deluxe plan that covers just about everything. In other words, the choice is up to you to take advantage of the best options that suit your lifestyle. There are many ways to reduce the cost of your premiums, like increasing the deductible. Ask your insurance agent about how to save money on health insurance. They get asked that all the time, and have no issues letting you know what you can do to save money.
The most important thing is that you start now to search for affordable health insurance quotes. It only takes a few minutes of your time, and may be done in the comfort of your own home. Right now, there are a number of really good deals and the competition in the insurance industry is to your advantage. Get a deal now, rather than take a chance that later there are no deals and you get what you get.
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.
Whether you are shopping for a new car or for health insurance, consumers like to research their options before making a decision.
When a sales representative asks, “Can I help you”, the most likely response is “I’m just looking around.”
Consumers say this to buy themselves some time to get more educated about their buying options and make an informed decision.
With Compare-Health-Quotes.com, health insurance shoppers become more educated not only about the health insurance plans availalble to them, but the corresponding health insurance quotes for each plan as well.
It’s as easy as 1-2-3.
- Enter some basic information including how many people you are looking to insure and what geographic region you live in
- Get health insurance quotes and plans from top carriers available in your region
- Apply online if there is a plan that fits your budget and needs
People have been searching for medical insurance online for over 10 years now, and according to research at Forrester, this number is only going to keep growing as a greater percentage of people do their insurance searches on the internet.
When you perform your search online, you are going to be presented with up to hundreds of different health insurance choices. For the average person, its just overwhelming and we recommend that you work with a quality advisor to make the right decision.
If you want to make the decision yourself, here are the basics:
Know your monthly budget: This is going to be the best place to start and it will reduce your choices substantially – unless the sky is the limit… When setting your budget, don’t skimp – you can get inexpensive plans – but you give up a lot in benefits.
Know your healthcare needs: Have an honest conversation with yourself about what you and your families needs are. Is anyone sick and frequently needs to see a doctor? Is everyone healthy and you really only see a doctor once or twice a year? Copays make more sense if you need a lot of care – but if you rarely use the healthcare system an HSA program may be right for you.
Know how much you can afford out of your own pocket: This will establish how much you should choose for your maximum out of pocket expenses.
Most online health insurance quote systems will give you the ability to choose all of the above. After you are done telling the system how much you can spend and what kind of plan you want, your choices should narrow to just a few options. Once you have those options, you can start looking at the finer points like ‘Is my doctor in the network’ etc.
At the end of the day, a good health insurance agent will help you navigate all of the above and will discuss important considerations you probably won’t think of on your own. And this comes at no cost to you as the monthly rate you pay is the same if you have an agent or don’t have an agent.
by Clelland Green
There is a health insurance plan on the market for everyone today. You just need to look for it.
Living in today’s high technology world is stressful. The economy is bad. People are unemployed in large numbers. The environment is doing odd things. The health care system is overloaded. Add this all together with just trying to live, and you get health problems. If you don’t have a health insurance plan to protect you, even if you are out of a job, you will be saddled with a huge medical bill when you need to see a doctor. That is a fact. It’s time to research health insurance plans.
At one time, the company you worked for or even the government offered health insurance plans. Not so much now, for the simple reason that they have become too expensive for employers. If an employer does keep a health insurance plan as a benefit for employees, the bulk of the costs are passed to the workers. They want to reduce their operating overhead by passing the buck – literally. As unfair as that might be, this still means you are in a situation where you need health insurance, or go bankrupt attempting to pay medical bills incurred for a sudden medical crisis you did not expect.
Put this into perspective. In a nutshell, those without health insurance these days can ill-afford to get sick. The catastrophic consequences of their illness, broken bone, surgery or other care, would put them in a desperate financial bind, with very few ways out, other than declaring personal bankruptcy. This is where choice hits the road. You choose to be well and carry health insurance, even on a strict budget, or you don’t buy health insurance figuring you will save money. You won’t save money, not when your medical bill for a broken wrist comes to well over $20,000.
Know what health conditions you and your family have before searching for a health insurance plan that suits your circumstances. Write everything out if you need to, and cross check your list with the information you find on the Internet. While many insurance websites have a wealth of details online, there is always something you need to know. Call and ask.
Do not assume that the cheapest health insurance plans are the ones that will work for you, just because they are cheap. You may end up with insurance that does not cover your specific conditions, or won’t pay for E.R. care. That means, you pay the bills and pay for a policy that does you no good. That makes no sense at all.
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.
