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Small Business Health Insurance a Way to Retain Good Employees

As the economic conditions continue to be uncertain, it is not surprising that employee loyalty over the last 3 years has decreased. So business owners are searching for different ways to not only keep the employees they have from moving on, but search for new talent to join their company.

A good starting point for business owners is to take a look at their health insurance offering. If their current offering is no longer competitive compared to similar companies, they run the risk of losing employees during this time of dwindling employee loyalty.

Make sure you dont lose your most valuable resource because your employee benefits package is outdated. It’s the perfect way to improve your employees’ financial health without handing out raises.

Get connected with a local agent and get your group health insurance quotes at

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

When You Need Health Insurance the Most

Picture this, you get up one morning and promptly fall flat on your face. The room is spinning and you cannot move without help. You are taken to the hospital and told you have an inner ear disease that will require medication that could be needed for the rest of your life. The doctor sends you home and tells you how to manage the condition. The bill arrives. And you do not have health insurance.

Now what? You certainly do not have the $20,000 or more to pay for your two-day stay and the care and medications. You barely get by on what you make at work as it is. That is why you had stopped paying premiums on health insurance before. The reality of the necessity of having health insurance just hit home, because if you had still had your health insurance in place when you went to hospital, your bill would not have been so high.

This is a very hard way to learn a valuable lesson. Health insurance could save your life and keep you afloat financially if you need medical care. Think seriously about getting it.

To learn more and get a health insurance quote, visit

Posted on Wednesday, November 16th, 2011. Filed under Health Insurance, Life Insurance.

Lexington KY Group Health Insurance Quotes

Whether its Anthem Blue Cross, United Healthcare, Aetna, Humana or any other carrier getting group health insurance quotes in Lexington Kentucky couldn’t be easier with Benepath’s online system.

Posted on Tuesday, November 15th, 2011. Filed under Group Insurance, Health Insurance.

Health Care Questions of the Century

We all know, or most of us do, that Obama has said that the health care reform act is designed for everyone’s benefit and that everyone will have access to affordable, high-quality care. Sounds great. Sounds like an election promise (and it was). However, first of all, since when has health care been affordable? Secondly, with the number of medical malpractice lawsuits filed every year and the number of deaths due to medical malpractice every year, where does the high-quality health care remark come into play?

This is not to say that all medical professionals are negligent, as many are outstanding, caring, good doctors. However, it is evident that there are enough bad medical professionals that mess the system up for the rest of them. Nonetheless, none of this addresses the costs of medical care. Sure, there are many reasons why medical care is so high, but in reality, it is so high because doctors charge what the market will bear. Except now, more people are going bankrupt and the bills are not getting paid.

Maybe it is time for doctors and other medical professionals to re-evaluate what they are charging for their services.

To learn more and get a health insurance quote, visit

Posted on Monday, November 14th, 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 Friday, November 11th, 2011. Filed under Health Insurance, Life Insurance.

Further Thoughts On Health Care Reform

Some say one way to improve the cost of health care is to import prescription drugs. Well, it’s an idea, but Big Pharma would not go along with it. Of course, Americans are free to order online drugs from anywhere they want, including Canada, but use caution as you really have no guarantee that what you see online is indeed what you get in the mail.

What about mandated use of generic drugs? Much like mandated health care in 2014, should it actually come to pass, mandated use of generic drugs may well save the country billions. Of course the problem with that is the resistance the drug makers would put up about losing money.

Odd isn’t it that drug companies, who are supposed to exist to help make people better, actually create drugs that kill people and charge them astronomical amounts for the privilege. Even odder is the fact that at any time drug makers could make generic drugs of their own and sell them, making a nice chunk of change, but they choose not to because they prefer gouging patients for the big name drugs at three or more times the price of a generic drug.

It is time for consumers to do something about that and make a move to take more generic drugs instead.

To learn more and get a health insurance quote, visit

Posted on Wednesday, November 9th, 2011. Filed under Health Insurance.

When Isn’t Health Care Political?

Let’s face it, health care is expensive. That’s not news. And, it will likely get even more expensive over the next few years.

Here is a question to think about: If the mandated health insurance does come into effect in 2014, how do you think that will affect the cost of health care? How will that affect you? Your family?

This is still a hot issue, and will continue to be until the cost of providing care to Americans starts to come down. What do you think we need to do to start bringing down the cost of medical services? That is a question that has so many answers to it and would be a challenge to put it into effect. Perhaps that is the problem with the government as well. Too many things to try to change without really knowing how all the pieces fit together makes for a difficult scenario.

Until something that makes sense comes along, stay well and healthy and take care of yourself, because no one else will do that for you.

To learn more and get a health insurance quote, visit

Posted on Monday, November 7th, 2011. Filed under Health Insurance.

At One Time the Government Wanted to Allow People to Buy Health Insurance In Any State

Anyone recall that during one of the more recent election campaigns that one candidate, who should remain nameless, (but ok, it was McCain) talked about banishing borders between states and letting anyone buy health insurance anywhere they wanted. Somehow, he seemed to think that would save consumers money.

It might have done that, but ask yourself this question: If you live in New Mexico and buy insurance in Alaska, how is it relevant in terms of what hospitals to use, which doctors to see and what you can and cannot do inside or outside any networks. The folks in Alaska could only sell a generic, basic policy that may save bucks, but if it does not address your health insurance needs when you need it, ultimately, what good is it?

You might also recall the senator wanted to let medical professionals practice wherever they wanted. While that might extend their ability to care for more patients, it does nothing to address what they charge. So, anyone else got some good ideas? Or do we wait to see if health care reform does kick into effect, mandating health insurance or else you get a penalty in 2014?

To learn more and get a health insurance quote, visit

Posted on Friday, November 4th, 2011. Filed under Health Insurance.

Health Care Should Change Overnight

Wouldn’t that be something if health care could be changed overnight – right? Wouldn’t you like to pay out less money for health insurance and medical bills? Of course you would, but how do you accomplish that?

Unfortunately, this is an issue that rests squarely with the government, and one that they have evidently dropped the ball on for many years. At the present rate of price escalation for medical care, there will be millions of Americans who will not be able to seek medical care when they need it. This is something that goes against the rights entrenched in the Constitution.

While it would be nice if the system would change overnight, it is huge and slow to welcome or adapt to change. Furthermore, all the levels are linked together and if you make adjustments to one, it affects another level. Getting anything to change without a major battle is virtually impossible. It would take more than eight years as President to even scratch the surface of what needs changing in health care and make any kind of difference. So health care reform is a start, but where is it going?

To learn more and get a health insurance quote, visit

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Posted on Wednesday, November 2nd, 2011. Filed under Health Insurance.

Health Insurance Really is Affordable

The last thing you might want to be thinking about is health insurance. After all, you already have enough bills to pay right? While that may be true, if you do not have health insurance in place and you do something like break an ankle or wrist, do you have the close to $20,000 it will take to get it treated? Do you have the money on hand to pay the ER bill when it arrives?

Most Americans would answer no, as who has extra cash on hand these days? Most of the money they make goes to food and housing. If you do not have health insurance to defray medical expenses when you need it, you will not be able to take care of a mortgage and other big bills. This is not to scare you. This is the reality of living in a bad economy in the 21st century. You need health insurance or you could face bankruptcy.


To learn more and get a health insurance quote, visit

Posted on Tuesday, October 25th, 2011. Filed under Health Insurance.