 |
|
About |
|
|
|
 |
||
Providing Benefits for Groups and Individuals since 1985 WHY SHOULD I USE AN INDEPENDENT HEALTH INSURANCE BROKER?
|
||
-
Health Insurance - There is no perfect health insurance plan. Obtaining the coverage you want is a series of trade-offs. The bottom line: If you want your health insurance to pay for more, you’re going to pay more for your health insurance. There are daily stories in the national news about the escalating costs of health insurance. Union employees are striking over health benefits. Retiree health benefits are being reduced or eliminated. More costs are being shifted to employees through “consumer driven” health plans. State and federal mandates have driven many insurers out of the health insurance business altogether. On the other hand, with $10-15 co-payments for an office visit or a prescription, most health insurance subscribers have been insulated from what these costs actually are. They pay more for a haircut than for a doctor visit! There exists an “entitlement mentality” that continues to drive the costs of health insurance up. Health insurers are not going to knowingly pay more out than they take in and they design their medical plans accordingly. Health insurance plans were designed to insure against unanticipated illness or injury. They have evolved into programs that now pay for many elective procedures (routine physicals, well childcare, etc.). Someone has to pay for all this and, one way or another, that someone is you (or your employer). Those who take greater personal responsibility for their health and wellness do not want to carry the load for others who live reckless lifestyles and invite major illness into their lives. If you’re self-employed, you have many options available that would enable you to create a cost-effective program that insures you (and your family) against catastrophic or major illness or injury and provides limited benefits and substantial savings for more routine medical expenses. You may deduct 100% of your medical expenses from state, federal, and self-employment taxes. Qualified participants can deduct health insurance premiums, deductibles and co-pays, dental, vision, doctors office visits, prescriptions, chiropractic, acupuncture, homeopathic doctor fees, and other medical-related expenses. They can even deduct long-term care premiums. New health insurance plans are now available that lower premiums by not including benefits you are less likely to use. Creative programs can be designed that combine benefits from more than one insurance company to develop a program that meets your needs. |
||
|
|
Alternative Health Insurance Services |
|
|
|
|
 |