Posted: Thu Jul 06, 2006 5:59 am Post subject: health plan for me !!
Hi...This is Stella....and I have been looking for a health plan of late !
Is it really necessary for me to look for health insurance company quotes before I opt for one ?
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Posted: Thu Jul 06, 2006 7:05 am Post subject: insurance brokers !
Ofcourse my friend ! Its always important that you look before you leap !
Your efforts towards hunting an affordable plan won't go invain..believe me its time for you to visit the different brokers online or offline, as also compare the quotes offered by the websites of numerous service providers. I personally feel that would get you a much better platform to begin with.
regards, Simon
Posted: Thu Jul 06, 2006 8:04 am Post subject: I'm back...
Hi...Brokers ?? Do you mean there exists such things as 'brokers' even in this field ! Who all are these people ? ...n how do I know about them ?
thanx _________________ Register Now to have your Insurance queries solved.
Posted: Thu Jul 06, 2006 8:39 am Post subject: brokers..
Hi !
The insurance brokers are just like any other professional brokers, only that they have experienced this field for quite sometime. They are just performing the job of introducing the prospective customers to their clients.
So this necessitates them to be perfectly aware of the different trends and quotes available in the market in order to suit the needs of the prospects. These brokers are more likely to be self-employed or might even possess any pre-designed conditions, but they would never form a part of any group insurance policy !
regards..
Sasha
Posted: Fri Jul 14, 2006 2:30 pm Post subject: Quotes?
No one can give you an accurate quote till you go through the insurance carrier underwriting. Yet depending up what State you reside in will pretty much determine which Carriers you'll be able to deal with.
Exactly what is it you're looking for? An HMO, PPO or maybe an HSA?
Also take this into account, if you are healthy and fairly young an HSA is great! Very competitive pricing, once you meet the deductible the insurance picks up 100%.
Now more then likely if you are healthy your not going to spend your savings in the HSA Account. So after a year or so you have more money in it then you need. So what do you to? Take that savings and fund your Long Term Care Insurance! An automatic savings of your tax rate, may that be 15, 20, 25 etc etc % of premium, since you are taking the premium from the HSA Account. Now at the end of the year you still take off the allowable amount of deductiblility that the IRS allows you, it fluctuates with ones age. Now add in spousal, family and health savings that the carrier provides one can save up to 40% there. So basically your LTCI can be very affordable if not just down right cheap. Savings overall can amount to 80% of the actual cost per hundred dollars increments of benefits.
Go here to find out exactly how you can use the monies one places in a HSA Account.
