Recent Insurance Topics
Consumer-Driven Health Care: Health Reimbursement Arrangements
In this article we will discuss the least-utilized tool in health care: the Health Reimbursement Arrangement. HRAs allow a company to fund claims expenses that its employee incur. It is a great way to enter into the self-insured arena without having to leave the fully insured marketplace. HRA’s and HSA’s are great opportunities to control the cost of health insurance to both the employer and the employee.
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Government Run Health Care
There has been much debate in society regarding the health care “crisis” in America, and recently a lot more on the municipality, state and on the federal level. Public polls show that most of us are unhappy with U.S. health care spending. Of those, a smaller percentage prefers a universal coverage system to the private marketplace. Yet when asked if going to a government run single-payer system means higher taxes or health premiums, those same people are opposed to the idea especially if treatments currently covered by insurance were no longer covered. The polls seem to reflect that Americans value freedom of choice and access too much for single payer limits. Read More...THE MYSTERY OF INDIVIDUAL HEALTH INSURANCE
So you find yourself looking for health insurance. Maybe your employer has stopped offering coverage and thrown you into this new world of discovery. You may be surprised with what you find. Hopefully this article will help guide you through the process. To start off, there is no “easy button” when it comes to individual health insurance. We need to eliminate “discount cards&plans” that portray themselves as health insurance. Discount plans are not insurance. The discounts are generally taken off the cash price and you may end up paying more for a service than the discounted rate that insurance companies have already negotiated for. Read More...
Independents vs Captives
Independent Insurance Agents = ChoiceInsurance policies, insurance billing and the overall insurance industry can be confusing and intimidating. Please read a little further and I will help you understand the channels to purchase your personal insurance. The Channels or “distribution systems” are the methods used by insurance companies to sell or distribute their products to the consumer. Read More...
Disability Insurance, who needs it?
Many people buy life insurance after giving serious thought to how their death might impact their families' living standards. Few, though, give the same level of consideration to disability insurance. Ironically, the typical worker faces a much higher risk of extended disability than of premature death. Ironically, disability insurance remains one of the most overlooked and misunderstood forms of insurance. Read More...Insurance Quotes
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