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Do Not Get Tricked When it Comes to Health Insurance Quotes

Watch out when you get a health insurance quote. If you do not ask about the fine print and know what your policy actually offers, you might get a letter some day from the health insurance company that basically says “gotcha”. This is what happens when you find out that you are not covered for what you thought you were.

You need to know what to watch for when it comes to health insurance plans. It is not just the health insurance quote. Your health insurance plans are more than just what you need to pay for them. It is the little details you need to know for later when you use your policy. The stuff in the fine print that you need to know to compare health insurance plans. This is like the quote “Pay attention, there will be questions.”

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Posted on Monday, December 19th, 2011. Filed under Health Insurance.

What Is Your Take on Health Reform?

Health reform is still a hot issue, and why not? The major thing is that in order for health reform to be successful, the economy needs to be in good shape. It certainly is not right now. Does the government have ideas to shore it up? Yes, but really, they are spending most of their money on deporting illegal aliens and doing more to protect the borders; so much for health care reform.

While it makes for a good campaign headline, the simple truth appears to be that health care reform is no more possible than immigration reform – and we all know how that has not been happening. What is your take on health reform? Think it will work or not? Think it will be a benefit for you? If you do not have health insurance by 2014, are you going to pay the fine? Food for thought.

To learn more and get a health insurance quote, visit

Posted on Friday, December 16th, 2011. Filed under Health Insurance.

Health Insurance Plans are an Essential Part of Living

You are pretty sure you cannot afford to pay a health insurance premium. You will take your chances and wing it. So far, so good. So, what happens if you get into a car accident and wind up with busted ribs, a cracked wrist and head trauma? Think you can pay for the medical care? Bet not, as no one has that kind of money.

If you had health insurance, the end of the story would be entirely different. You would have coverage for a good portion of your medical expenses, and not have to go into bankruptcy or lose your home to foreclosure. Worth thinking about, isn’t it?

To learn more and get a health insurance quote, visit

Posted on Monday, December 12th, 2011. Filed under Health Insurance.

Compare Health Insurance Rates Now When There is a Chance at a Better Deal

If you want health insurance now, take the time to check the rates in effect and do not wait, because the closer we get to 2014, and the more changes made to the system, the higher the prices are going to be. Why? Because once the various changes have been implemented in the system, insurance companies are in the situation where they have to cover more for less. Guess who they will pass the difference onto? If you said you, you would be right. So expect higher premiums.

Someone will have to pick up the difference in profit loss for insurance companies, because they certainly will not do it. They are in business to make money, not give it away in free coverage and eat the difference. This is the reason why the insurance industry is not so happy with health care reform. Make it a mission to check the prices now and when you find a good one, buy what you need and hang in there.

To learn more and get a health insurance quote, visit

Posted on Thursday, December 8th, 2011. Filed under Health Insurance.

Health Insurance Rates Respond to Market Demand

In part, health insurance rates respond to the market. Not to necessarily reduce their rates, unless they want to attract customers, but they respond by offering new programs and options for those who need health insurance. Of course, the options come with a price tag, and if you want to get a good deal, you need to shop around for one.

Not many consumers appreciate that health insurance plans are predicated on what a private health insurance company can get from their customers. That’s right, what the market will bear, and so the insurance company will charge accordingly. That is why shopping around for the best price is a smart thing. Remember, insurance companies are in business for the bottom dollar – yours.

While there is government regulation for Medicare and Medicaid, private insurers can name their own prices. And that is why you end up paying (in some cases) more than you should have to pay. Be smart and shop smart.

To learn more and get a health insurance quote, visit

Posted on Tuesday, December 6th, 2011. Filed under Health Insurance, Medicare.

Health Insurance Quotes Are Constantly Changing

Do not be too surprised to find health insurance quotes changing frequently. This has to do with all the changes in the Health Reform Act – at least those that have been implemented so far. Day by day, you may find quotes varying because health insurance quotes respond to what is happening in the marketplace.

Right now the competition is hot for agents to land Medicare clients, as another wave of them come of age soon. Also right around the corner is 2014 and the looming specter of mandatory health insurance for everyone. Expect to see big changes as things progress. Tip: if you find a really good health insurance quote, take advantage of it now. Do not wait thinking you might get a better deal later. You might, but then again, you might not.

To learn more and get a health insurance quote, visit

Posted on Friday, December 2nd, 2011. Filed under Health Insurance, Medicare.

Transparent Medical Costs Needed to Have a Better Health Care System

It is no secret that the health care system is horribly abused. If everyone knew the cost of various procedures, this would improve the system. How? If you knew the price for something versus not knowing what you pay because a third party pays your bills, the term “budget” would take on a whole new meaning. You would be wiser about how your money is spent and where it goes.

Here is an example: if you knew that it cost you $350 to see a doctor about a cold, chances are you would think twice about going. If your three kids all had a minor flu, and you went to the doctor and got a $1,050 bill for the doctor checking drippy noses and telling the kids to stay warm, drink lots of fluids and call back if you get worse, you would be a lot smarter about home care options.

Be smart and think twice about going to the doctor unless you really need to go.

To learn more and get a health insurance quote, visit

Posted on Monday, November 28th, 2011. Filed under Health Insurance.

Lower Health Insurance Premiums Can Only Happen If We Take Responsibility For Our Own Health

A very common complaint heard on coffee row is the rising cost of health insurance premiums. This coming from a group of people who are smoking, eating a high-fat breakfast , and who drove to the local café despite the fact that they live just down the road from it is ironic. None of them exercise, other than to lift the TV remote and many of them drink in excess as well. Is it any wonder that those individuals have health problems that send them to a doctor more often than those who do not overindulge?

The bottom line here is that each and every one of us is directly responsible for our own health. If we strive to be healthy, we are healthy and we save money on health insurance premiums because of this. Bemoaning the high bills and the cost of premiums is counter-intuitive, when we are causing our own poor health because of our actions. If we want cheaper health insurance premiums, we have to commit to a healthy lifestyle. It is just that simple.

To learn more and get a health insurance quote, visit

Posted on Wednesday, November 23rd, 2011. Filed under Group Insurance, Health Insurance, Life Insurance.

Still Think Health Care Reform Will Get You Insurance At Work?

In revisiting what Obama said in his campaign trail speeches about health care reform, you may remember he said that all employers should continue to contribute to health care coverage for their workers. Or, they could pay into a public plan. What?

First of all, employers are in the midst of trying to cut their heath care costs for workers out of the equation altogether, or shift more of the cost to the workers. Why? They cannot afford to pay the bills any longer, plus the economy is not helping them either. So it is not too much of a surprise that workers who once had health coverage at work are now either without it or scrambling to find more money to pay a higher rate for it. In reality, how will health care reform deal with those issues?

He also said hospitals needed to be graded on their performance, improve their record keeping, and get more efficient. Nothing is wrong with those ideas, but honestly, doctors need to be stopped from charging such exorbitant rates for medical care and hospitals must stop gouging patients for everything from Kleenex to an extra pillow.

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Posted on Monday, November 21st, 2011. Filed under Health Insurance.

January 2012 Means It Is Time To Change Health Insurance Plans

Come January 2012, it will be time to revisit your health insurance coverage and make changes.

During the year, things change rapidly like the price of drugs, their availability, and whether you get generic or brand-name medications. Some new drugs may be added and some taken out of your drug regime. Various health insurance plans also change each year with new rules and regulations coming in and others being changed or replaced.

Before January arrives and you find yourself with health insurance that does not really suit your needs, do some in-depth personal evaluation of your health insurance coverage. You may find something else suits you better, particularly if you have changed employment, left employment, have new drugs in your cupboard or have changed networks.

To learn more and get a health insurance quote, visit

Posted on Friday, November 18th, 2011. Filed under Health Insurance.