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
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
It seems there is never a dull moment when it comes to medical care in the U.S. today. It’s a tough job, but someone has to do it, and they do. However, the amount charged for medical care today is outrageously high and never seems to be the same. How is that? It all has to do with the fact that doctors and hospitals can darn well charge whatever they want. Who is going to challenge them? More to the point, really, who can pay those high bills without insurance?
With health insurance, part of a medical bill is covered. Without it, you pay full price, and it might not be the same amount each time you need help. Typically though, you can count on it being higher each time you need care. Where does it stop? Seems like it doesn’t stop, and that is the most frightening thing of all. Who is going to fix this? Right now, who knows?
To learn more and get a health insurance quote, visit https://www.benepath.com.
Not many people ask themselves if they have the right kind of health insurance coverage. It is a shame they do not or they may find out they have things they never use and are paying for or in the alternative, do not have things they should have. This is why when you go to buy an affordable health insurance policy, you need to write down everything you need.
With a list in hand, you can talk to the health insurance agent about your needs and your wish list as well – the extra coverage that would be nice to have, but may cost a bit extra. If you do not know what you need, then what are you paying for? Health insurance is not one size fits all. Make sure you have what fits you.
To learn more and get a health insurance quote, visit https://www.benepath.com
Many people do not think of a health insurance company as being a business. They think of it as the place they get the claims reimbursed. In other words, they think of a health insurance company as a place that pays out money for their medical bills.
Behind what you see is a company that is taking risks by insuring people’s health. Will they be healthy? For how long? What diseases will they get? How much do we cover and what do we deny? It is a whole balancing act. In the process, they are in business to make money. The minute their bottom line (income) is threatened by having to pay out larger claims or a larger percentage on claims, they hike the premiums on health insurance policies to stay in business.
If you want health insurance coverage that you can afford, act now and find an affordable health insurance policy that covers what you need.
To learn more and get a health insurance quote, visit https://www.benepath.com
Today’s prices for health insurance may not be what you will get in 2014, or even 2012 or 2013. Why? This has to do with health care reform and what it will do to insurance companies. If things continue on the way they have been and health care reform actually moves into high gear, the price of health insurance policies will go up because insurance companies will be forced to pay out more the customers on claims.
The minute the bottom line of a business is affected and they face paying out more money, the increased cost of doing business is passed on to the consumer. It is that simple and yet complex at the same time. Initially, health care reform was about helping all Americans get access to affordable health insurance plans.
Great idea, but if insurance companies have to pay out more on claims, they will pass that extra expense to their clients. That means in 2014 when everyone is supposed to have health insurance or else, that the pricing on health insurance policies is likely to be higher. Want to save money? Then buy your health insurance policy now.
To learn more and get a health insurance quote, visit https://www.benepath.com
People really need to start looking at health insurance as a partner; a partner for their lifetime. It is there when you need it, helps you feel better, get better, helps pay for tests, services and medications, covers part of your hospital stay and you get money back for some claims. That is a partner in the truest sense of the word, always looking out for your health and welfare.
If you have to go it on your own and need medical care and don’t have health insurance, there is no one that will help bail you out of the financial pit you will find yourself in after all is said and done. Without health insurance, most people do not have the money to pay the staggering bills they get later. With health insurance, they at least stand a chance of getting the bill paid. Think about it. Partnering with a health insurance policy is a smart move that will take care of your health and bills. Sweet!
To learn more and get a health insurance quote, visit https://www.benepath.com
If you have used a medical discount plan and love it, then you will likely really love it, particularly if it is used in conjunction with traditional medical insurance. If you bought a medical discount plan thinking it was health insurance, you likely got a large shock the first time you used it. It is important to remember that traditional medical insurance does not offer discounts on services, tests or anything else for that matter. It covers you for medical expenses and pays back your claims.
On the other hand, a medical discount plan offers discounts for services but you cannot make any claims. In fact, you still pay for the service you get, but at a lower rate. This is great if you combine this with the standard medical health insurance. Understand the differences before you buy one.
To learn more and get a health insurance quote, visit https://www.benepath.com
No one will tell you that a health insurance plan will cover absolutely everything and if you do get told that, run for the hills. In reality, a good health insurance plan, along with consultation with a skilled health insurance agent, will cover you for pretty much anything you can think of and then some. But to not get health insurance because you cannot find a policy to cover everything is unrealistic.
Most insurance policies these days are pretty inclusive and will cover what you need and what your family needs when you need to see a doctor. Start by telling the agent what you need to have covered and then work backwards from there. You will find a health insurance policy that suits your needs and budget. You just need to know where to start looking and that would be by contacting an expert health insurance agent. The advice is free and it is often priceless.
To learn more and get a health insurance quote, visit https://www.benepath.com
