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Health Insurance Debates Are Interesting, But Not Always Fruitful

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?

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Posted on Tuesday, December 18th, 2012. Filed under Health Insurance.

Health Insurance Rules Change Continually

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.

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Posted on Tuesday, December 11th, 2012. Filed under Health Insurance.

Health insurance is optional, right?

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

Posted on Saturday, December 1st, 2012. Filed under Health Insurance.

Health insurance policies for now and for later

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

Posted on Tuesday, November 6th, 2012. Filed under Health Insurance.

Do you really need health insurance?

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

Posted on Monday, November 5th, 2012. Filed under Health Insurance.

Health Insurance Means Being Well

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

Posted on Wednesday, October 17th, 2012. Filed under Health Insurance.

Sorting Through Health Insurance Quotes

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:

  1. 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.
  2. 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.
  3. 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

Posted on Wednesday, October 10th, 2012. Filed under Group Insurance, Health Insurance.

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Welcome to WordPress. This is your first post. Edit or delete it, then start blogging!

Posted on Monday, September 24th, 2012. Filed under Health Insurance.

What Is Term Life Insurance?

So your looking to do a little research on what exactly term life insurance is right? Term life can be easily defined as what it is, coverage for a specific term. Unlike whole coverage which is indefinite coverage. Generally you can buy a term life policy for periods of five years or more.

Your policy will be active until the term you chose is fulfilled. Your term life insurance rates can be determined by a number of different factors including age, lifestyle, etc.. a term life policy you can match a term to your specific needs. Like say you have a 15 year mortgage and you want to make sure your term policy will be enough to cover the cost of your mortgage as well as the term being as long as the mortgage.

There are many different types of benefits to a term life policy. Whether your single or married you can find a policy that best suits your needs. Planning for any type of life insurance doesn’t have to be a pain in the neck. In fact it can be quite comforting knowing your loved ones will be taken care. You can get free competitive term life insurance quotes by clicking here or visiting our website

Posted on Thursday, August 30th, 2012. Filed under Health Insurance, Life Insurance.

Finding Affordable Life Insurance Coverage

Affordable life insurance is a reality contrary to what else you may see floating around the internet. Low cost life insurance is readlily available in many different forms for those looking to protect loved ones. The key is finding a policy that provides you with best value and at the same time a reasonable monthly premium.

The easiest way to buy life insurance ultimately hinges on what you are looking for and the amount of coverage that your willing to invest in. The question becomes how much coverage do you need? Ayone can easily figure this out by going to one of the millions of life insurance quote engines available to you on the internet. Click Here to get free and instant life insurance rates based on your age and location.

Just simply browse through your rates and compare companies to see which is the best fit for you and your family. Or if you own a home you might want to look into a few different mortgage life insurance options that are available to protect you and your family. Either way it’s very simple to compare and find the right coverage for yourself.

Choose a rate and a company and contact one of their life insurance agents so they can answer any questions you have and take you step by step through the process of becoming insured.

Posted on Thursday, August 30th, 2012. Filed under Health Insurance, Life Insurance.