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Will Healthcare Reform Help Part Time Employees

Healthcare Reform – Will it Benefit Part-Time Employees?

One of the most important and primary concerns today is the lack of availability of affordable and adequate health insurance for all. In fact, despite healthcare coverage being extremely important, not all are insured, either because their employers do not offer it or they are not able to afford it on their own. Since health benefits are available only to full time employees and not part time ones, the situation becomes really difficult for many as they struggle to get good insurance coverage.

Businesses usually do not offer healthcare coverage to those employees who work only for a limited number of hours or are deemed part time. In fact, certain businesses actively seek part time employees to avoid having to consider healthcare benefits for them. In recent times, with the economic downturn, it was seen that more and more employees were working at multiple part time jobs, all of which put together made a full time job. However, considering that for each job, they were part time workers, they were not given any health benefits.

In an attempt to ensure that individual health insurance for all is readily available, the new healthcare reform proposes certain changes. Experts believe that this reform bill will definitely change the way insurance is looked at in the country. One such move, which is definitely beneficial to part time employees, is the setting up of exchanges, which will go a long way in providing insurance to all.

 

Reasons Not to Wait any Longer for Health Insurance

Health Insurance: 4 Reasons why you should opt for it now!

Escalating healthcare costs, rise in health issues, and the threat of chronic conditions are all factors that increase the need for health insurance. Despite these facts, many people still lie in the uninsured bracket for various reasons, chief of which is the cost of health insurance. However, these four reasons show why you should not wait for health insurance.

  • Risk of pre existing medical conditions: Earlier, insurance companies could and did refuse pre existing condition health insurance coverage, largely because the risk was too high. However, today with new regulations and mandates, there are other high risk pools for you to gain insurance from. Additionally, by 2014, the government seeks to ensure that no insurance company can actually refuse insurance due to such conditions.
  • Expensive healthcare: Healthcare costs are increasing at a steady rate. Under these circumstances, the onus of payment is entirely on the individual, where there is no insurance. Moreover, without health insurance, you do not qualify for any discounts that others with insurance can boast of.
  • Risk of being uninsured: Financial debts and bankruptcy are the highest amongst those who are uninsured against health emergencies.
  • Insurance for young adults: Young adults believe that their youth and good health do not require any insurance against health emergencies. However, studies have shown that a large percentage of young adults visit emergency rooms every year, and adequate coverage by health insurance plans can help them deal with costs of such treatment.

For these reasons, if you are contemplating getting health insurance, make sure you do not delay the process any longer and end up losing out financially.

 

 

A Limited Benefit Medical Plan can be the Answer

A Limited Benefit Medical Plan can be the Answer

Health can be a gamble when we go uninsured.  Ask Kate and Josh. As a young new couple with no plans of having children and a lot of student loans to pay back, they decided to cut costs by going without health insurance for a few months. The figured they were relatively healthy and almost never went to the doctor. It didn’t seem like a risk to them at all.

Life throws us a curb ball sometimes.

Kate was diagnosed with early stage ovarian cancer a few weeks later. They were shocked. It seemed like they had nowhere to turn to.

Life with a pre-existing condition can seem miserable. It's constant rejection everywhere you go.

Thankfully, Kate and Josh had the wherewithal to call us.

Limited Benefit Medical Plans Changed their Lives

We were able to find them a limited benefit medical plan that accepted them right away. This plan was a fee-for-service plan that paid exact amounts for every kind of service. This left them knowing exactly how much they would have to pay out of pocket for any kind of service.

Kate and Josh were able to get the medial attention that they needed and were able to stop and eliminate the cancer from spreading.

How a Limited Indemnity Plan can Help You and Your Loved Ones

Kate chose an indemnity plan with a PPO network. Not only was she able to get large cash payments for each service she needed, but she was also able to get PPO network repricing. What that means, is that for every $300 specialist doctors visit she had, she was able to get at least 50%-75% off the price since her doctor was in network.  After that, the indemnity portion of the plan paid $120 towards the remainder of the visit. That meant she paid anywhere from $30 to zero dollars for her specialty doctors visit.

No Strings Attached

Kate was apprehensive at best when we first showed her the plan. She thought it just sounded too good to be true. We let her know that there were no strings attached. She could cancel at any time. The greatest part is that she had 30 days with the plan in which she could cancel if she was not pleased.

We can help you! Sign up Today!

 

Will Healthcare Reform Help Part Time Employees

Healthcare Reform – Will it Benefit Part-Time Employees?

One of the most important and primary concerns today is the lack of availability of affordable and adequate health insurance for all. In fact, despite healthcare coverage being extremely important, not all are insured, either because their employers do not offer it or they are not able to afford it on their own. Since health benefits are available only to full time employees and not part time ones, the situation becomes really difficult for many as they struggle to get good insurance coverage.

Businesses usually do not offer healthcare coverage to those employees who work only for a limited number of hours or are deemed part time. In fact, certain businesses actively seek part time employees to avoid having to consider healthcare benefits for them. In recent times, with the economic downturn, it was seen that more and more employees were working at multiple part time jobs, all of which put together made a full time job. However, considering that for each job, they were part time workers, they were not given any health benefits.

In an attempt to ensure that individual health insurance for all is readily available, the new healthcare reform proposes certain changes. Experts believe that this reform bill will definitely change the way insurance is looked at in the country. One such move, which is definitely beneficial to part time employees, is the setting up of exchanges, which will go a long way in providing insurance to all.

 

Reasons Not to Wait any Longer for Health Insurance

Health Insurance: 4 Reasons why you should opt for it now!

Escalating healthcare costs, rise in health issues, and the threat of chronic conditions are all factors that increase the need for health insurance. Despite these facts, many people still lie in the uninsured bracket for various reasons, chief of which is the cost of health insurance. However, these four reasons show why you should not wait for health insurance.

  • Risk of pre existing medical conditions: Earlier, insurance companies could and did refuse pre existing condition health insurance coverage, largely because the risk was too high. However, today with new regulations and mandates, there are other high risk pools for you to gain insurance from. Additionally, by 2014, the government seeks to ensure that no insurance company can actually refuse insurance due to such conditions.
  • Expensive healthcare: Healthcare costs are increasing at a steady rate. Under these circumstances, the onus of payment is entirely on the individual, where there is no insurance. Moreover, without health insurance, you do not qualify for any discounts that others with insurance can boast of.
  • Risk of being uninsured: Financial debts and bankruptcy are the highest amongst those who are uninsured against health emergencies.
  • Insurance for young adults: Young adults believe that their youth and good health do not require any insurance against health emergencies. However, studies have shown that a large percentage of young adults visit emergency rooms every year, and adequate coverage by health insurance plans can help them deal with costs of such treatment.

For these reasons, if you are contemplating getting health insurance, make sure you do not delay the process any longer and end up losing out financially.

 

 

A Limited Benefit Medical Plan can be the Answer

A Limited Benefit Medical Plan can be the Answer

Health can be a gamble when we go uninsured.  Ask Kate and Josh. As a young new couple with no plans of having children and a lot of student loans to pay back, they decided to cut costs by going without health insurance for a few months. The figured they were relatively healthy and almost never went to the doctor. It didn’t seem like a risk to them at all.

Life throws us a curb ball sometimes.

Kate was diagnosed with early stage ovarian cancer a few weeks later. They were shocked. It seemed like they had nowhere to turn to.

Life with a pre-existing condition can seem miserable. It's constant rejection everywhere you go.

Thankfully, Kate and Josh had the wherewithal to call us.

Limited Benefit Medical Plans Changed their Lives

We were able to find them a limited benefit medical plan that accepted them right away. This plan was a fee-for-service plan that paid exact amounts for every kind of service. This left them knowing exactly how much they would have to pay out of pocket for any kind of service.

Kate and Josh were able to get the medial attention that they needed and were able to stop and eliminate the cancer from spreading.

How a Limited Indemnity Plan can Help You and Your Loved Ones

Kate chose an indemnity plan with a PPO network. Not only was she able to get large cash payments for each service she needed, but she was also able to get PPO network repricing. What that means, is that for every $300 specialist doctors visit she had, she was able to get at least 50%-75% off the price since her doctor was in network.  After that, the indemnity portion of the plan paid $120 towards the remainder of the visit. That meant she paid anywhere from $30 to zero dollars for her specialty doctors visit.

No Strings Attached

Kate was apprehensive at best when we first showed her the plan. She thought it just sounded too good to be true. We let her know that there were no strings attached. She could cancel at any time. The greatest part is that she had 30 days with the plan in which she could cancel if she was not pleased.

We can help you! Sign up Today!