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FAQ Top ten myths

FAQ-Top ten lies major medical companies want you to believe

There are many things that major medical companies would like you to believe, in order to get you to purchase their health insurance. If you’ve heard these myths, you may have heard them so often you believe them to be true.
Myth #1 - No one covers pre-existing conditions.
This is one of the most dangerous lies that major medical companies want you to believe. This is because if you buy a major medical plan, they don’t have to cover your pre-existing conditions. Luckily for you, there are plans out there that are specifically designed for people with pre-existing conditions and high-risk health conditions.
Myth #2 - There’s no point in shopping for health insurance, the quotes will all be approximately the same.
This lie is an easy way to get you to pay more for your health insurance. The more quotes of different types of insurance you can obtain, the better off you’re going to be when shopping for health insurance. You can not only see for yourself that not all insurance quotes are the same, but the services they cover vary greatly as well. For this reason, our company has combined quoting information of over 40 different health insurance companies under one roof. We will do all the comparing for you, so you don’t have to. The great thing is our specialists will listen to your needs and make sure that you get the best coverage for the most affordable price.
Myth #3 - Guaranteed issue health insurance isn’t comprehensive.
This is absolutely false, and is used to get you to stay away from guaranteed issue health insurance coverage. In fact, guaranteed issue health insurance can be completely comprehensive, and includes inpatient, outpatient, emergency room visits, lab work, diagnostic tests, doctor visits, and sometimes even prescription coverage.
Myth #4 - Guaranteed issue policies require you to be employed.
This would be considered a half-truth. While some guaranteed issue health insurance policies require you to be employed, many of them allow for waivers of that clause. As long as you can pay the premiums when they are due, employment is not an absolute requirement for guaranteed coverage.
Myth #5 - Guaranteed issue health insurance costs way more than major medical coverage.
Again, this lie is generated in an attempt to steer you away from guaranteed issue policies and straight into the lap of major medical insurance. Don’t be fooled. Sometimes, guaranteed issue health insurance is a bit more expensive, but sometimes, it is actually cheaper than major medical coverage. Again, the best solution to disprove this lie is to obtain several different quotes comparing prices of major medical and guaranteed issue policies, not forgetting to take into consideration what the policies will and will not cover.
Myth #6 - You’re better off getting major medical coverage through your employer. It’s the cheapest.
This lie is designed to get you to spend more through a group policy than shop on your own. That way, the major medical company will make more off of your hard-earned dollar. While your employee benefits might include a great medical insurance plan, try to see if you can get the same coverage for a better price through an individual plan by comparing quotes and services. You may be able to negotiate a better price for yourself or for your family. All it takes is some shopping around.
Note: You may also find that obtaining quotes online is cheaper than through an agency, due to the fact that you can get the insurance directly rather than through a “middle man.” Fewer fees from an agent typically mean a lower price overall.
Myth #7 - You can’t choose your own physician with guaranteed issue health insurance.
This is another lie designed to make you choose a more expensive POS or PPO health insurance plan, rather than go with a guaranteed issue policy. The truth is, a guaranteed issue health insurance plan will often allow you to choose from HMO/PPO/POS style policies that will enable you to choose your own physician, and they have just as many physicians to choose from in their own networks. Ultimately, the choice will be yours as to whom you see for your primary health care needs.
Myth #8 - Guaranteed issue policies should be a last resort.
Wrong! Guaranteed issue health insurance has often been made out to be a last resort, or a worst-case scenario option, when in fact, many guaranteed issue policies stack up just fine against major medical insurance policies. Instead of going to guaranteed issue policies when you think nothing else will cover you, do side-by-side comparisons of what those policies have to offer against major medical plans. You may find yourself delightfully surprised, as many of those plans are just as comprehensive and price competitive as “regular” health insurance policies.
Myth #9 - You won’t likely be able to renew a guaranteed issue health care plan.
This lie is a fear mongering one — it makes people believe that once they get a guaranteed issue health care plan, it will be like short term health insurance, and they won’t be able to renew it when the term expires. Completely and utterly untrue. Guaranteed issue health care plans are quite similar to major medical plans, and they can and are often renewed once the term expires. This means that you’re covered, guaranteed, for as long as you need your health care plan — and as long as you are able to keep up with the premiums.
Myth #10 - Pre-existing conditions still aren’t covered with guaranteed issue health care plans.
This is a falsehood wrapped in a semi-truth. In some cases, a pre-existing condition will not be covered for a certain period of time with a guaranteed issue health insurance policy. However, that period of time will depend on the type of condition and other factors. For the most part, a waiting period of three months to one year can be expected before pre-existing conditions will be covered. Of course, that might seem like a long time, but most major medical plans will never cover a pre-existing condition. One year is much better than never! Additionally, in some cases, waivers for the waiting period can be made. This information can be obtained during the quote phase of your policy.
Don’t let the major medical companies fool you. Stay informed to get the best health care at the best price.

Medical savings health plan

Savings on Medical Health Plans

Though there are several health insurance plans or health card options available in the market these days, not every plan provides you a complete coverage. Majority of the insurance plans provide limited indemnity, which covers only 50% of the expenses. But with the increase in the rates of drugs and other essentials, you may not be able to afford even the remaining 50% of your medical expenses, which may include your drug bills, hospital expenses, the required test strips and syringe for your diabetic test, etc.

Savings on Medical Plans

A good medical savings health plan, when combined with the conventional guaranteed health insurance, could really be a boon for you. Such a plan would certainly keep your expenses for prescription drugs and doctor’s visits within affordable limits.

The Best Health Plan

It is easy for you to pick the right medical health plan when you understand what really a best health plan would offer you. Here are some pointers to keep in mind:

  • Coupled with a medical insurance plan, the best health plan can offer you huge savings on your medical expenses.
  • The best health plan offers huge discounts on prescription drugs, as well as expenses on health care assistance.

 

  • A guaranteed health plan provides you with instant coverage during any emergency situation.
  • Backed by contractual obligations with quality pharmacies and doctors, medical savings health plans let you enjoy up to 50% discount on doctor's visits and prescription drugs. This way, you no longer need to get bogged down by spiralling medical costs.

 

  • Such medical plans can also help you enjoy considerable savings on surgery costs, check-ups, hospital stays, blood tests, x-rays, and much more.

Pitfalls

Some dishonest merchants posing as real insurance agents or providers may lure unsuspecting people into buying medical savings health plans that provide non-realistic promises of discounts. Such scam plans often substitute non suitable generic drugs for branded drugs and do nothing more. So, you should beware of such medical heath plans that simply exchange one problem for another and don’t really help you manage your healthcare expenses.

Conclusion

Make an informed decision to select the most reliable and guaranteed health plan, which can help you save a lot on your medical bills.  

 

Choosing the right health insurance

Choosing the Right Health Insurance Stressfree

Too often one feels rushed into buying health insurance & end up choosing the wrong plan for them. Know the facts before making a selection.

 Health Insurance Companies

In today’s age of information overload where a deluge of private, public, and community programs are available to meet your healthcare coverage needs, it really becomes a daunting task to sift through all the available information and select the one that best suits your needs and budget. This is why finding affordable health insurance companies become important. Since no two plans are the same, you need to get a quote from multiple companies, compare the rates and other factors before selecting one.
Picture: Decision making” Finding Health Insurance can be very stressful”

Pitfalls of choosing in a hurry

In their hurry, people often end up choosing the first plan that they come across, or select plans that they later find doesn’t cover a sudden major medical expense. To avoid such pitfalls, you should invest in comprehensive and affordable health insurance from reputed health insurance companies. Remember – your health is your most important personal asset, and you shouldn’t leave yourself to the mercy of fate. 
 Steer clear of detrimental situations by seeking clear, professional advice from reliable and reputed insurers and agents of insurance companies. You can also opt for guaranteed health insurance plans that offer pre existing health insurance coverage in case your claim for a standard health insurance is denied.

Choosing the right insurance company: Things to know

Picture: Couple on computer “Finding Health Insurance should be a stress free task. Let us do the hard work”

In order to choose the right insurance company and the ideal health insurance plan, you should have adequate knowledge about:

  • Your rights and consumer protection
  • Available insurance choices (like PCIP - Pre-Existing Condition Insurance Plan, Young Adult Coverage, CO-OP Insurance Plans and Affordable Insurance Exchanges – the last two being about to start from 2014 under the Affordable Care Act)
  • Insurance costs
  • Tax credits and new programs available to organizations and businesses

Knowing about your choices as a consumer, and knowledge about rules and regulations that hold insurance companies accountable will help you select the right insurance company and affordable health insurance plans that meet your needs.

 

FAQ Top ten myths

FAQ-Top ten lies major medical companies want you to believe

There are many things that major medical companies would like you to believe, in order to get you to purchase their health insurance. If you’ve heard these myths, you may have heard them so often you believe them to be true.
Myth #1 - No one covers pre-existing conditions.
This is one of the most dangerous lies that major medical companies want you to believe. This is because if you buy a major medical plan, they don’t have to cover your pre-existing conditions. Luckily for you, there are plans out there that are specifically designed for people with pre-existing conditions and high-risk health conditions.
Myth #2 - There’s no point in shopping for health insurance, the quotes will all be approximately the same.
This lie is an easy way to get you to pay more for your health insurance. The more quotes of different types of insurance you can obtain, the better off you’re going to be when shopping for health insurance. You can not only see for yourself that not all insurance quotes are the same, but the services they cover vary greatly as well. For this reason, our company has combined quoting information of over 40 different health insurance companies under one roof. We will do all the comparing for you, so you don’t have to. The great thing is our specialists will listen to your needs and make sure that you get the best coverage for the most affordable price.
Myth #3 - Guaranteed issue health insurance isn’t comprehensive.
This is absolutely false, and is used to get you to stay away from guaranteed issue health insurance coverage. In fact, guaranteed issue health insurance can be completely comprehensive, and includes inpatient, outpatient, emergency room visits, lab work, diagnostic tests, doctor visits, and sometimes even prescription coverage.
Myth #4 - Guaranteed issue policies require you to be employed.
This would be considered a half-truth. While some guaranteed issue health insurance policies require you to be employed, many of them allow for waivers of that clause. As long as you can pay the premiums when they are due, employment is not an absolute requirement for guaranteed coverage.
Myth #5 - Guaranteed issue health insurance costs way more than major medical coverage.
Again, this lie is generated in an attempt to steer you away from guaranteed issue policies and straight into the lap of major medical insurance. Don’t be fooled. Sometimes, guaranteed issue health insurance is a bit more expensive, but sometimes, it is actually cheaper than major medical coverage. Again, the best solution to disprove this lie is to obtain several different quotes comparing prices of major medical and guaranteed issue policies, not forgetting to take into consideration what the policies will and will not cover.
Myth #6 - You’re better off getting major medical coverage through your employer. It’s the cheapest.
This lie is designed to get you to spend more through a group policy than shop on your own. That way, the major medical company will make more off of your hard-earned dollar. While your employee benefits might include a great medical insurance plan, try to see if you can get the same coverage for a better price through an individual plan by comparing quotes and services. You may be able to negotiate a better price for yourself or for your family. All it takes is some shopping around.
Note: You may also find that obtaining quotes online is cheaper than through an agency, due to the fact that you can get the insurance directly rather than through a “middle man.” Fewer fees from an agent typically mean a lower price overall.
Myth #7 - You can’t choose your own physician with guaranteed issue health insurance.
This is another lie designed to make you choose a more expensive POS or PPO health insurance plan, rather than go with a guaranteed issue policy. The truth is, a guaranteed issue health insurance plan will often allow you to choose from HMO/PPO/POS style policies that will enable you to choose your own physician, and they have just as many physicians to choose from in their own networks. Ultimately, the choice will be yours as to whom you see for your primary health care needs.
Myth #8 - Guaranteed issue policies should be a last resort.
Wrong! Guaranteed issue health insurance has often been made out to be a last resort, or a worst-case scenario option, when in fact, many guaranteed issue policies stack up just fine against major medical insurance policies. Instead of going to guaranteed issue policies when you think nothing else will cover you, do side-by-side comparisons of what those policies have to offer against major medical plans. You may find yourself delightfully surprised, as many of those plans are just as comprehensive and price competitive as “regular” health insurance policies.
Myth #9 - You won’t likely be able to renew a guaranteed issue health care plan.
This lie is a fear mongering one — it makes people believe that once they get a guaranteed issue health care plan, it will be like short term health insurance, and they won’t be able to renew it when the term expires. Completely and utterly untrue. Guaranteed issue health care plans are quite similar to major medical plans, and they can and are often renewed once the term expires. This means that you’re covered, guaranteed, for as long as you need your health care plan — and as long as you are able to keep up with the premiums.
Myth #10 - Pre-existing conditions still aren’t covered with guaranteed issue health care plans.
This is a falsehood wrapped in a semi-truth. In some cases, a pre-existing condition will not be covered for a certain period of time with a guaranteed issue health insurance policy. However, that period of time will depend on the type of condition and other factors. For the most part, a waiting period of three months to one year can be expected before pre-existing conditions will be covered. Of course, that might seem like a long time, but most major medical plans will never cover a pre-existing condition. One year is much better than never! Additionally, in some cases, waivers for the waiting period can be made. This information can be obtained during the quote phase of your policy.
Don’t let the major medical companies fool you. Stay informed to get the best health care at the best price.

Medical savings health plan

Savings on Medical Health Plans

Though there are several health insurance plans or health card options available in the market these days, not every plan provides you a complete coverage. Majority of the insurance plans provide limited indemnity, which covers only 50% of the expenses. But with the increase in the rates of drugs and other essentials, you may not be able to afford even the remaining 50% of your medical expenses, which may include your drug bills, hospital expenses, the required test strips and syringe for your diabetic test, etc.

Savings on Medical Plans

A good medical savings health plan, when combined with the conventional guaranteed health insurance, could really be a boon for you. Such a plan would certainly keep your expenses for prescription drugs and doctor’s visits within affordable limits.

The Best Health Plan

It is easy for you to pick the right medical health plan when you understand what really a best health plan would offer you. Here are some pointers to keep in mind:

  • Coupled with a medical insurance plan, the best health plan can offer you huge savings on your medical expenses.
  • The best health plan offers huge discounts on prescription drugs, as well as expenses on health care assistance.

 

  • A guaranteed health plan provides you with instant coverage during any emergency situation.
  • Backed by contractual obligations with quality pharmacies and doctors, medical savings health plans let you enjoy up to 50% discount on doctor's visits and prescription drugs. This way, you no longer need to get bogged down by spiralling medical costs.

 

  • Such medical plans can also help you enjoy considerable savings on surgery costs, check-ups, hospital stays, blood tests, x-rays, and much more.

Pitfalls

Some dishonest merchants posing as real insurance agents or providers may lure unsuspecting people into buying medical savings health plans that provide non-realistic promises of discounts. Such scam plans often substitute non suitable generic drugs for branded drugs and do nothing more. So, you should beware of such medical heath plans that simply exchange one problem for another and don’t really help you manage your healthcare expenses.

Conclusion

Make an informed decision to select the most reliable and guaranteed health plan, which can help you save a lot on your medical bills.  

 

Choosing the right health insurance

Choosing the Right Health Insurance Stressfree

Too often one feels rushed into buying health insurance & end up choosing the wrong plan for them. Know the facts before making a selection.

 Health Insurance Companies

In today’s age of information overload where a deluge of private, public, and community programs are available to meet your healthcare coverage needs, it really becomes a daunting task to sift through all the available information and select the one that best suits your needs and budget. This is why finding affordable health insurance companies become important. Since no two plans are the same, you need to get a quote from multiple companies, compare the rates and other factors before selecting one.
Picture: Decision making” Finding Health Insurance can be very stressful”

Pitfalls of choosing in a hurry

In their hurry, people often end up choosing the first plan that they come across, or select plans that they later find doesn’t cover a sudden major medical expense. To avoid such pitfalls, you should invest in comprehensive and affordable health insurance from reputed health insurance companies. Remember – your health is your most important personal asset, and you shouldn’t leave yourself to the mercy of fate. 
 Steer clear of detrimental situations by seeking clear, professional advice from reliable and reputed insurers and agents of insurance companies. You can also opt for guaranteed health insurance plans that offer pre existing health insurance coverage in case your claim for a standard health insurance is denied.

Choosing the right insurance company: Things to know

Picture: Couple on computer “Finding Health Insurance should be a stress free task. Let us do the hard work”

In order to choose the right insurance company and the ideal health insurance plan, you should have adequate knowledge about:

  • Your rights and consumer protection
  • Available insurance choices (like PCIP - Pre-Existing Condition Insurance Plan, Young Adult Coverage, CO-OP Insurance Plans and Affordable Insurance Exchanges – the last two being about to start from 2014 under the Affordable Care Act)
  • Insurance costs
  • Tax credits and new programs available to organizations and businesses

Knowing about your choices as a consumer, and knowledge about rules and regulations that hold insurance companies accountable will help you select the right insurance company and affordable health insurance plans that meet your needs.