Running a small business is a real challenge, particularly in this kind of an economic climate. Well, that’s a bit of a no-brainer isn’t it? Sure it’s tough to run a company in this kind of economic climate, but what is even harder is finding reasonable health insurance for the self-employed.
Well, yes and no. Yes, it’s a bit harder to find, but it “can” be done. All you need to do to get health insurance for small businesses is to form a group of like-minded people – maybe in the same line of work you are in – and apply to a medical insurance company as a group.
Have all your ducks in a row and by the time all the people you need are onboard and really to roll, you will have good news for everyone – they will get to take advantage of lower rates because they now have group insurance. Sometimes the simplest solutions to problems are the right ones for the time and occasion.
To learn more and get a health insurance quote, visit https://www.benepath.com
Instant health insurance quotes are terrific. You know within minutes roughly how much you will need to pay for a health insurance policy. This of course is what you need to know if you are trying to work out a health care budget. Just remember though that the quote is just a quote for how much it may cost you for your health insurance premium.
What health insurance quotes don’t tell you is if there are any exclusions in your policy. For instance, will the policy you want to buy handle pre-existing conditions? Will it pay for x-rays? Does each item have a coverage limit? Is there a coverage level for the whole policy and everything in it? These are the things you need to know and this is why you need to ask questions. Knowing the answer to things like that will mean you can make the “right” health insurance choice for you.
To learn more and get a health insurance quote, visit https://www.benepath.com
Try not to get sick these days if you don’t have health insurance. Why? Because if you do get sick, sick enough to have to see a doctor, then it is going to cost you money; money you may not have. The thing is that even if you think the illness is minor, what if it is not and you need to spend time in the hospital? Do you hear those cash register bells pealing as the hospital tallies up the bill? Saying that health insurance is not affordable is a bit strange when you think that if you don’t have it, you won’t be able to pay your medical bills.
With health insurance, you would not only be able to handle your medical bills, but they’d be less than dealing with them if you don’t have any insurance. No health insurance can put you in the poor house. So you might want to rethink the position about not having “any” insurance now before it becomes mandatory later for you to have it.
To learn more and get a health insurance quote, visit https://www.benepath.com
Yes, the economy is bad and as a nation we are all struggling to try and get through it and find some light at the end of the tunnel. Many people know they need health insurance or they could be in a lot of trouble financially if something happened to them. But, where do they get affordable health insurance that won’t break their budget? What if you are self-employed and your income varies every month and you don’t know if you can pay for a health insurance policy?
These are good questions and the answer relates to how you personally budget things in your business and your personal life. Most often, there are corners that may be cut and money saved aside for a health insurance policy. It’s a matter of doing without something that could wait to allow you to buy cover now that will protect you and your family in the future. Remember that having a health insurance policy may be mandated in the near future. This means you will “have” to find a way to pay for a policy. Better to do it now on your own, than have it forced on you later.
To learn more and get a health insurance quote, visit https://www.benepath.com
In one of our last blog entries, we discussed the fact that there are two sides to the argument that health insurance rates are going to go up – those who say no, the competition will drive the rates down versus those who say with a higher medical loss ratio, the rates will go up. Since we don’t have any real way to figuring out what will “really” happen, we’re left trying to monitor online news about what is happening in the health insurance industry. What are some of the major carriers going to do when the medical loss ratio goes up to 80%?
Well lately, it seems there has been more speculation that when the loss ratio goes up, so does the price of the premiums. That actually makes sense because an insurance company is a business, and what business do you know will willingly run at a loss for their customers? If you said no business would do that or they’d go bankrupt, you’d be right. That means if the prices are quite likely to go up with the advent of health care reform, then you might want to think about getting health insurance NOW, and not later.
Your dollars, your health care, your choice – make it one that makes sense financially and health wise.
To learn more and get a health insurance quote, visit https://www.benepath.com
Some say that fit is best. Others say if you are fat you can still be fit, and some people have even proven that. What’s the truth? The truth is that each person is unique and what works for them won’t work for another individual. If a fat person is fit, then that worked for them and there you have it. If a fit person has terrible lifestyle choices when it comes to eating, are they really fit? Does it really matter a whole lot in the final analysis?
Frankly, any debate about health care issues tends to boil down to one side saying they are right and the other side saying no, they are right. Truth is that both of them are right – right for their particular points of view because that is what worked for them and thus is what’s right for them. If you want to just stay out of the hot debate over right versus wrong, then live well, eat healthy, be happy, reduce stress and do your best. That’s all you can do.
To learn more and get a health insurance quote, visit https://www.benepath.com
Any time you have ever been involved in a debate over the current health care system since the advent of health care reform, you come away feeling more confused and frustrated than ever. While everyone seems to have ideas, no one knows how to go about making any difference in the long-term. Sure there are changes in the wind, but you wonder if they will actually “do” what they are intended to do. Debates are great, but rarely are there answers on either side.
Well, now that health care reform is officially “here,” you have to wonder what is coming next. Will mandated health insurance fly? Will insurance companies do their part and not charge people and arm and a leg for health insurance? Will everyone really have to have health insurance by 2014 and if so, how is that going to be enforced? So many questions, and not enough answers. What do you think?
To learn more and get a health insurance quote, visit https://www.benepath.com
There is nothing wrong with buying a health insurance plan recommended by an agent. It might be just the thing you need. The problem is that if you do accept a recommendation at face value and don’t do some of your own checking, you might find that you have a policy that doesn’t really suit you and it costs more than you wanted to pay. This isn’t to say that the agent did a poor job; it just means that they don’t totally know “you,” but, you do know what you want. Knowing what you want and need is one of the smartest moves possible when it comes to buying health insurance plans. After all, it’s your body, your health and your money, so you will want something that fits your budget, addresses your health requirements and keeps the body running.
Ultimately, you need to delve deeper into what plans are recommended to you. They may suit you and they may not, but if you take the time to find that out, then you won’t be wondering what you may have missed out on that might have been less expensive and covered more.
To learn more and get a health insurance quote, visit https://www.benepath.com
Since health care reform “is here” and more changes will be coming, one of the biggest questions people are asking relates to the price for their health insurance plans. That seems to be up in the air, as one side of the great debate says the prices will be lower because the competition will be stiff. If insurance companies want more business, they will have to price their policies cheaply to attract customers.
On the other side of the debate are those that say the prices will go up because the insurance companies will want to pass on their “losses” to the consumer. What does that mean? It means with health insurance companies taking a hit in the medical loss ratio of 80%, that health insurance companies may raise their prices to hedge their bottom line.
The market is still in flux right now and no one is sure what will happen by the end of the year, but one thing is for sure, it’s going to be interesting to see how the pricing structure shakes out.
To learn more and get a health insurance quote, visit https://www.benepath.com
On one hand, some health care industry analysts say that a higher deductible is a good idea because it keeps your premium costs lower. That’s true, higher deductibles do keep your premiums lower. But, what if you happen to always be sick because you have a chronic condition that needs medical care frequently? Well, if you happen to always need medical care for your condition, you might just prefer to pay a higher monthly premium and know you are covered for all contingencies.
It’s a great debate and there are good points to be made on each side. The thing most of the industry analysts seem to be forgetting is that what you choose is a personal choice and that choice will reflect what works for “you.” So, while it’s nice to have other opinions, the bottom line is you will choose what you need to choose to have it work for you.
To learn more and get a health insurance quote, visit https://www.benepath.com
