The economy is beginning to look up and unemployment rate is declining. Did you or your friend just get hired by a Small Business? Are you worried about your Health Insurance?
As an employer; how do you decide on what benefits you can offer to your employees? Do you look at what your competitors are offerring? To learn more about what other companies in your industry and your region are offerring their employees, you may want to consider the Employee Benefits Benchmarking Report Benepath has compiled using data from more than 27,000 small businesses. To get competitive rates for Group Health Insurance Quotes, please visit Compare-Health-Quotes.com
To learn more about how the health reform will affect Group Health Insurance Quotes, click here to read an article on the Washington Post.
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
You have co-pay if you work for a company and only pay a part of the doctor’s office bill when you go. It’s that simple, and yet complicated all at once. Many people adore their co-pay and would be lost without it, and that’s the problem if they quit their jobs or get laid off – no more co-pay. If you want to opt to get co-pay later, that costs big bucks.
Many people don’t realize that co-pay is NOT insurance, it’s a benefit and companies pay out a lot of money to offer co-pay as a perk for their workers. This isn’t to say you can’t get co-pay if you’re on your own, but ask your local insurance agent about that first, as you may have to re-think that strategy and opt for something more affordable.
To learn more and get a health insurance quote, visit https://www.benepath.com
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.
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.
What does everyone want with a health insurance plan?
- Low copays
- Lots of doctors and hospitals in the network
- Extensive coverage
All at a low price.
On the surface, HMO’s can appear to be all of the above, but if you buy an HMO without looking at the details you could end up for a big surprise.
Many cheap HMO’s advertise the doctor’s office copay – the most widely used benefit in health insurance. But its when you end up in the emergency room or need surgery when you will be truly using your insurance benefits. And here is where you may end up with a problem.
Many HMO’s designed for individuals come with very high deductibles and coinsurance limits for those types of services. So everything is fine so long as all you need are a few prescriptions and to visit your doctor every once in a while, but then you end up owing $5,000 when you end up in the hospital.
So just be careful when you are selecting a plan and make sure you look at how much you might have to pay if you need expensive health care services.
Check out HMO Health Insurance Quotes at compare-health-insurance.com.
You should ask what you would pay because what you see quoted on company websites, might not apply to you or your situation. In addition to that, if you shop around you may find a deal with other companies wanting the business and willing to adjust their premiums.
Remember that health insurance rates are quoted based on your health. If you have a health issue or two, let the insurance agent know. They would find out later anyway. With a pre-existing health condition you may find your category and rate will change. So, ask questions and talk to a local insurance agent to get the “real” scoop about what your health insurance is going to cost you.
To learn more and get a health insurance quote, visit https://www.benepath.com
The Supreme Court ruling on health reform will have a lasting impact on what Americans pay for health insurance. The Affordable Care Act has multiple provisions that will directly impact the cost of insurance in both positive and negative ways:
Guaranteed Issue – We have already seen what has happened to the cost of individual health insurance in states where they eliminated underwriting like New York and New Jersey. They go up and their uninsured population expands. New Jersey has 12% of their population without coverage which is 25% higher than Pennsylvania – a neighboring state – in spite of New Jersey’s higher income and lower unemployment rates. Its because individual policies cost two times what they do in Pennsylvania.
Individual Mandate – This provision will offset the cost of guaranteed issue somewhat, but the penalties are not high enough to ensure the participation you would need from the healthy population to offset those costs. A quick look at the costs in Massachusetts will show you how premiums respond to both a mandate and guaranteed issue. Its not pretty.
Preventive care and covering children to age 26 – These two provisions are both popular and not very expensive (maybe 2-4% impact on premiums) – my bet is if health reform is stricken, we will see this passed into law very quickly. Aetna, UnitedHealthcare and Humana are all saying they will keep these provisions in their plans even if the law is stricken.
Medical Loss Ratio (MLR) Requirements – Carriers were required to keep non-medical costs below certain thresholds – most carriers were already there – so no real impact. Most carriers just used this provision to cut agent commissions, which cost this country thousands of jobs.
Premium Subsidies – My only thought here is how was this bill actually going to pay for this? This bill was not funded adequately or with much more than smoke and mirrors. The claim was for huge savings in Medicare – but that was offset by the expansion of Medicaid – which the states have to fund a chunk of… Its just too easy to punch holes in how this $100B plan would never generate $100B in revenues.
At the end of the day, most Americans will be better off if the entire bill is stricken but doing so will create a vacuum that will need to be filled by something else. Let’s hope our leaders can actually work together to create a truly bipartisan plan that has a decent chance of working.
To get excellent health insurance quotes, try Compare-Health-Quotes.
Are you sick and tired of people telling you to get health insurance? Are you fed up with trying to explain you don’t have the money to get health insurance? In other words, no one seems to understand that you can’t afford to have it. Most likely they do understand what you are saying, but are trying to point out that by not having it, even minimum, basic insurance, you could be overwhelmed by just one huge medical bill if something happened to you, like being involved in a car accident.
Without health insurance, you are on the hook for the whole kit and caboodle, which often runs into the thousands of dollars. Do you have that much on hand to pay those bills? If you don’t have health insurance of some sort or another, you are stuck. Maybe better to have minimum coverage than none. It may save your bacon one day.
To learn more and get a health insurance quote, visit https://www.benepath.com
Act now to get affordable health insurance, before you are mandated to buy it in 2014.
It’s a funny world when the government tells you that you must have health insurance – or else you will be fined. While they appear to mean well and are hoping to have universal access to health insurance for everyone, regardless of their condition(s), people don’t much enjoy being told what to do. They enjoy it even less when being told what to do and what to buy will cost them money they don’t have.
It’s a tough situation for many Americans. Buy health insurance now, or later? Choose to go with the flow, get covered and be safe or pay a yearly fine and save money? That’s a bit of a misleading question, largely because paying a yearly fine for not having health insurance will not mean saving money. On the contrary, not having health insurance will still mean someone will have to pay the doctor’s bills, and that would be you. There is no savings to be had in the scenario.
Come 2014, health care reform says state plans will be in place for everyone and they will be subsidized by the government. One wonders where they will get the money to do that without pillaging the health care system, the military and a variety of other larger programs, but for now, why look a potential gift horse in the mouth? So, based on what the government says, by 2014, absolutely everyone will have a chance to have affordable health insurance.
By hook or by crook, the plan seems to be slowly moving forward. However, as with most legislation, there are scores of people who vehemently oppose it. Many are not insured by choice, and feel it is their right to have health insurance or not, as they see fit. They are adamant that government should not force them into a health insurance plan. There doesn’t appear to be any other option to this conundrum, other than paying a fine every year and if you can pay a fine every year, you have enough money to pay for an affordable health insurance policy.
Despite the fact that the government says the states will have health insurance for everyone, no one really knows if the government health insurance plan will offer sufficient coverage. Then what does someone do? Buy insurance because it is there and they must have it because they don’t want to be fined? This begs the question of why pay for insurance if it does not meet your needs. This is food for thought.
In the final analysis, in order to maintain some control over your own life and health, and not be forced into buying a policy later, start searching for an affordable health insurance plan now. Do your homework. Compare policies. Compare prices. Compare coverage. There are affordable health insurance plans out there, and better you get them now, rather than 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.
