Looking for Instant Health Insurance Quotes

Saturday, March 8th, 2008
Guest post by: Kevin Dase

Where can one avail of instant health insurance quotes? Would instant health insurance quotes be accessible and affordable as regular health services are as the moment is? These are the questions that we tend to ask if we would like to avail of health insurance quotes in an instant. Most would say that time is precious, and since one don’t know what may happen in the future that would concern health problems, it is better that one could secure himself or his family members with a health insurance and acquiring it as fast as possible would be very advantageous.

You would definitely have access to almost anything on the Internet as well as looking for instant health insurance quotes that would be beneficial for you and your family’s ability to gain medical assistance when needed. The instant health insurance quotes available online are being backed up by various insurance companies and you don’t have to be concerned of it conforming to the standards needed for it to operate as well as giving you preconceived options according to the services that they cover.

In availing instant health insurance quotes online you may be able to have at least 45 percent savings. Aside from being affordable, it is very easy for you to avail of health service that is being offered. All you have to do is to fill out the online form that will be provided correctly and then after you will be provided with several quotes from various insurance companies. You will then after be able to compare and choose which instant health insurance quote would best comply with your medical needs.

This time around you don’t have to contact insurance agent and talk to them for hours just so you could get a picture of what they definitely could offer you. There are several websites online that includes an online operator that would be free to answer questions regarding the health insurance quotes and its terms and policies. This would be easier on your part to discuss about your financial means for availing the service and if the service meets your expectations.

So you do not have to hesitate in getting the best instant health insurance quotes that you can avail for yourself and your family. Health is as important as you being able to earn for a living and support your family. If you are looking for an inexpensive health service, all you have to do is to browse on the Internet and you’ll find a lot of options. It would just take a little research and having the time to examine resemblances and differences and you’ll be able to find instant health insurance quotes that would be suitable for you.

Submitted by Ilana

2 Steps to Small Business Health Insurance Plans

Saturday, March 8th, 2008
Jack Adams asked:

 

For small businesses, group health insurance covers are the most appropriate option. The group health plans are suitable for organizations that employ from 2 to 50 people. Due to the rising costs of health care in the US, group health plans have become essential.

This rise in healthcare costs creates a challenge for small businesses that need to provide health insurance is affordable to their employees. By offering an attractive health insurance benefit you will not only attract new talent, but will ensure that you retain the existing.

Options of Group Insurance Plans:

Diversifying the financial risk amongst the members, is the objective of the group health plans. This results in premiums for members of the group that are below those of individual plans for the same cover. The factors that determine the premiums are health status, occupational hazards, age and many more to a lesser extent.

There will be variations from state to state and service provider to another. The basic cover is generally the same for everyone, but for a slightly higher premium you may improve your cover by negotiated add-ons.

These health insurance policies for small businesses are available under many programs, like, fee-for-service, HMO, POS and PPO. The popularity of managed care plans over the group indemnity plans is the affordability of the premiums.

Designing Your Health Plan:

Ensure that you a very clear objective when you decide to get a health insurance package for your small business. Do a lot of research to ensure that the health insurance plan you select will meet both the requirements of the employees and that of the business.

You will need to provide the insurance service provider with the type of service required and the health and age profiles of the members. The exactness of the information will provide the service provider will decide the accuracy of quotes. The quotes provided will enable you to choose the payment options and the type of policy required. The employer meets from 25% to 50% of the premiums of each employee.

You may want to cover the spouses and children of the employees as well in which case you will be meeting part of the premiums although this is not a legal requirement.

Due to the publicity and bad publicity against managed healthcare, increasing cost of medication and an aging population has resulted in premiums rising sharply. Despite this diligent research can locate companies who have affordable plans. You manage to get good service providers through the chamber of commerce in your locale.

The small business health insurance plans lower the cost of healthcare to each individual in the group by spreading the risk. And affords employees an opportunity of getting better coverage. The health plans are now an critical to your business. Get for your business and employees an health plan that suits your needs.

Submitted by Regan

Group Health Insurance: 5 Reasons to Drop Your Plan

Wednesday, March 5th, 2008
Brad Miller asked:

Group health insurance plans can be a blessing to many individuals and families. They provide essential insurance coverage and, depending on the employer, cost little or nothing to the employee. However, some blessings can be a burden in disguise. Many individuals and families can actually be much better off by getting an individual health insurance plans. There are countless reasons for this. However, we will dive into the top 5 reasons here:

1. Individual Health Insurance Plans Can Be Less Expensive:

Depending on the plan and how much of your money goes into paying for the plan there is a good chance you would pay far less for an individual policy for either the entire family or just your spouse and children. You can look at your pay stubs to see how much you pay each paycheck for your group health insurance plan. Then, simply comparing this to individual/family quotes can be extremely fast and simple. There are countless websites on the Internet that provide free quotes from multiple carriers. So why are group plans more expensive? Here are a couple of reasons among many:

– Group plans accept all employees, which increases the risk for the insurance company and in turn, increases premiums for the entire group. This also makes group plans very risky for individuals in the company. For example, if Karen in the finance department got a life threatening condition, this would affect everyone in the company with dramatically increased premiums and dramatically decreased corporate profits. Maybe, this is already happening now and you don’t know it.

– Group plan groups are usually much smaller than the actual “group” participating in individual policies. This is because an individual’s group is all the insured individuals for the entire health insurance company group. This can be hundreds of thousands to multiple millions. Most individual insurance providers offer and insure people throughout your entire state. This affects the cost of the plan because the risk for an individual plan is spread against dramatically more people. The more people, the less risk and the lower the premiums.

2. Losing Your Job, And Your Health Insurance

Losing your job can be tough, but the stress of losing your health insurance can be even tougher. There is always the option for COBRA, but COBRA can be extremely expensive as it carries the exact same plan that you had with the group. To make things even scarier, if you or one of your family members were to get sick before losing your job it would be very difficult and expensive to get insurance due to pre-existing conditions. However, individual policies are not affected in anyway by your employment. So, if you were to lose your job, you can simply stay with your individual plan indefinitely regardless of work. If you and your family are healthy, this is the best time to get an individual policy. The plans will still be inexpensive and you will not have to worry about losing coverage due to job loss, or not getting coverage due to pre-existing conditions. And, if you or a family member develops a condition the premiums cannot be raised or coverage dropped. Group plans do not offer that protection. Employers are free to cut benefits, raise contribution amounts, or drop coverage entirely.

3. Shopping Around

Shopping around to get the best deal is a no-brainer, right? Well, group health insurance plans are often limited to one provider, or possibly two if your company is large enough. With individual plans, you can pick from any provider (often 10 or more) in your state. This means you can pick from scores to hundreds of competing plans, and find the one that fits best for you and/or your family, allowing you to actually shop around. With an individual policy, if you don’t like the chosen provider you can switch at any time.

4. Plan Flexibility

Group health insurance plans not only limit you to the number of provider options; they also limit the number of plan options. This includes anything from riders like dental, vision, chiropractic, co-payment options, HSA plans, deductible amount, and total out of pocket costs. Plan options are the way you customize a plan to fit your needs. Group plans are almost always set with no flexibility.

5. HSA HSA HSA

HSAs, or Health Savings Accounts, are the next best thing in the world of health insurance. HSA plans allow contributors to enroll in high deductible, but very inexpensive individual/family plans. These plans also provide tax-deductible savings accounts to help pay for deductibles and other eligible health expenses such as dental, vision, and over-the-counter medication. The contributions accrue and grow tax-free and can be used tax-free for any eligible medical expenses or withdrawn penalty-free after age 65 for any purpose. These plans are excellent options for individuals and families healthy or not and a great way to save money for retirement by saving now on insurance premiums.

Submitted by Wilma

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