Don’t expect too many things to be different yet with the re-election of President Obama. This isn’t to say change won’t be coming, because the big ticket deal, health insurance or else, is coming next year. And that is still a can of worms for many Americans, being forced to buy health insurance. But let’s not get too concerned, not yet. Many things could happen between now and then.
For instance, there is the very large matter of the economy. We’re talking about the fiscal cliff and beyond. If spending, program cutting, cost cutting, and what not, are not wrestled under control, there isn’t much that can be done to the health care system. It may just find itself on pause. This is not to say the mandatory health insurance requirement will not kick in, as it is quite likely to proceed. The question is with other areas needing fixing, like immigration, where will the White House find money to do everything?
Don’t wait. Get your health insurance quotes now, and stay in control of your health care.
To read more and get a health insurance quote, 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.
Any time you have ever been involved in a debate over the Health Reform Act, you come away feeling confused and frustrated. While everyone seems to have ideas, no one knows how to go about making any difference in the long-term — even in light of the passage of the Health Reform Act. Not saying much, is it?
We all know the current health system just isn’t cutting it and something has to give some time soon. Is the answer making sure everyone has an e-medical file? Is the answer making everyone buy insurance or else they face a fine? What do you think?
To learn more and get a health insurance quote, visit https://www.benepath.com
You just get used to one way of doing things with your health insurance and suddenly it changes – again. It’s hard trying to keep up with all the changes let alone try and make sense of them. Frustrating, isn’t it?
Confusion in the world of health insurance isn’t too surprising. It was a bit of a mess before the Health Reform Act was passed and now, well it’s still a mess. Although there may be more changes coming next year to the health care system that will make a significant difference to Americans, no one seems to know what those will be.
In the meantime, it would be nice if the big insurance companies just talked to one another and worked together for the good of the people they insure, instead of jealously guarding their financial success.
To learn more and get a health insurance quote, visit https://www.benepath.com
Well, some people think health insurance is optional – those who are young and healthy and active and fit think they are immune to accidents, disease and death. They’re not. Sickness doesn’t discriminate when it comes to choosing a hapless victim. Those with health insurance have their bills partially paid and can still carry on with their lives and not be in financial distress.
Those without health insurance are faced with a bill big enough to buy a house and have no way to pay it. Their options are slim to none and many find themselves facing medical bankruptcy. Even if you are working, your salary won’t cover the bills. Dismal thought isn’t it? However, that is the reality we live in today. Having health insurance will bail you out of some really right spots. Buying it now will save you money. Waiting until you’re forced to buy it in 2014 may cost you more. Act now.
To learn more and get a health insurance quote, visit https://www.benepath.com
Still thinking you don’t need health insurance? Right now, you can live that way if you choose and hope that nothing happens to you medically speaking – like a broken leg or arm, a car accident or slip and fall. Some people go years without needing any medical help. Then, one day, something happens and they go to the hospital and – they can’t pay their bills, because they have no health insurance. Their options are very few and the lesson hits home hard.
With health insurance, the bills are less. Without it, debt and bankruptcy are intimate companions and this is just 2012. What do you think will happen when 2014 rolls around and you are mandated to have health insurance or be fined? It’s time to do serious thinking about getting health insurance before time runs out.
To learn more and get a health insurance quote, 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
When you start the process of searching for a health plan, the first step is getting quotes for yourself or your family. There are many places on the internet where you can do this, including Benepath, but there are also many places that tell you they provide quotes and then sell your information to multiple agents. Then all you get is a phone that will not stop ringing…
So, make sure you use a reputable site before you give anyone your information.
Once you have your quotes, you need to start your analysis and using a simple knock out process will help you get there a lot faster. Here is a summary of the best way to narrow your list of quotes:
- Set your budget as a range and eliminate all the quotes that are 10-15% more than your budget. Believe me, you want to consider quotes that are a little bit more because with health insurance – you get what you pay for and sometimes a few dollars more can mean big savings to you down the road.
- Decide if you want complete freedom of choice or whether you are willing to see just a select group of doctors. Then knock out all the plans that don’t provide you with the choice you want.
- Determine if having a copay for an office visit is worth the trade off for a much higher out of pocket expense in case you end up with a serious medical event. A broken leg can cost as much as $15,000 and I can tell you there are lots of consumers that bought plans with $30 copays thinking that was important and then ended up with a $5,000 bill from a broken leg. Then rule out the plans that don’t have the features you want.
After doing those 3 simple knockouts, you should be down to just a handful of plans. From there, you need to do a side by side comparison and decide which one gives you the most for your money.
At the end of the day, using an agent to help you through all of this is free and they have many plans you will not find online which may be a good alternative for you as well.
by: Clelland Green
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