With all the health insurance options that are available today you might be wondering which company is right for me. Most of us purchase health insurance based on impulse. We look at the next TV ad or some mailer that we got. The reason I can say that is because I’ve been in health insurance industry as insurance broker for over a decade. I will share with you things you should look for when shopping for health insurance. Also I will share with you a company which offers best options you can possibly get in health insurance coverage.
The reality is most of us are educated by insurance companies on what to look for in health insurance coverage. We are misled in looking for featured in coverage that insurance companies tell us we should look for. We go to insurance company’s websites to educate our self about insurance, which is completely absurd. I can reassure you that insurance companies are not going to tell you on what you truly should be looking for. I bet if I was going to ask you what to look for in health insurance coverage you might tell me things like; Deductible, co-pays, low monthly premiums. Well…. Maybe. Let ask our self’s on why do we have health insurance coverage in the first place? To protect our self from large unexpected medical bills. That would be a true statement that is what insurance is intended to do.
There is more to health insurance plans and companies than you ever thought. Let me ask you this question… If god forbid critical emergency did happen to you and you required a specialist, would you would to have access to the best specialist in the world or some local doctor? There are literally millions of people die every year because they did not have access to the specialist. Most presidents of the United States if ever required a specialist were taken to Mayo Clinic. Mayo Clinic is a world class hospital known around the world as the best medical facility for major illnesses and accidents. Do you think your insurance company will let you get treatment at Mayo Clinic? The answer is absolutely not, not a chance. What if you were in a car accident and there decision had to be made where your leg had to be cut of because the place that you were treated at did not have the right specialist to reconstruct the leg and your health insurance company was not willing to pay for reconstruction surgery at a facility like Moyo Clinic. Well at least you know you saved couple of buck on your health insurance that you called from one-eight hundred number that you saw on that TV commercial.
The coverage that I wanted to share with you is offered by not yet very known insurance company. The company itself has been around longer than any other health insurance company in the world. They have been in business since 1892 and the name is Fortis. Fortis in early 2006 was the 26th largest company in the world. The health insurance is marketed under name of Assurant Health. Assurant Health is know a quality company that provides health insurance to families, self-employed, individuals, small businesses and large businesses. Assurant Health has a slogan that goes like this “Our Health Plan is Based on Yours”. Why Assurant Health is so much better that anything that is available on health insurance market today.
Assurant Health has easy and flexible portfolio of plans to choose from. Also every plan that Assurant Health offers is customizable. Some plans lets you choose how many doctor visits you want the insurance company to pay for. How much of a co-pay do you want to have. Every option that you ad or delete, accordingly lowers or increases your monthly premium. For example for someone like me who is healthy and has not been to a doctor for over five years and do not have coverage for doctor visits and save myself almost one hundred dollars per month. Considering that average doctor visit is sixty five dollars. That means over five years I saved myself almost six thousand dollars. As we discussed earlier let take a look at what is truly important in health insurance coverage. First I am going to mention options that Assurant Health Plans offer that other companies do not. If you think it is not the case with your coverage just stop reading this because it will be just waist of your time. I’ve been in the industry long enough to tell you how plans work. If you think you know how your plans work than obviously you are the expert and you should stop reading this article.
Options that Assurant Plans Include that your plan does not.
Worldwide coverage, 24 hours a day.
It doesn’t matter whether you’re nearby or
Far from home-you’re covered.
Initial rate guarantees-up to 36 months available.
You’ll lock in your premium rate for at least the first 12 month. With many deductibles you have a 24-month rate guarantee-and the option to extend it to a full 36 month!
Lifetime benefit maximum options up to $8 million
You choose the amount of protection you want.
Your choice of doctors and hospitals
You’ll have access to some of the largest and best preferred provider (PPO) networks in the nation.
No referrals necessary to see a specialist
You don’t have to jump through hoops when you need a specialist’s care-simply make an appointment.
Single deductible for accidents.
In the event there’s an accident involving more than one person in your family you’ll pay only one deductible.
No limit on Intensive Care Unit (ICU)
With no daily dollar limit when confined in an ICU, you’ll have the peace of mind you need at a critical time.
Healthy Discount
Available in most states, Healthy Discount rewards you for maintaining your good health by providing 10% off your renewal rates.
Some of these benefits will not make any sense and I can share story after story how not having even one of those benefits could cause tragic consequences to you or your family. Assurant Health is your number one most reliable and most affordable choice for health insurance. For more information on Assurant Health Plans visit http://www.AssurantHealthCoverage.com
Here this nice Video about health insurance
Future of Music Coalition presents a video chat with Alex Maiolo, project director of FMC’s Health Insurance Navigation Tool (HINT).
CountArtha, nice jab, but I’m not a “socialist,” so I don’t use the word “Proletariat.” I’m very familiar with how free markets are supposed to work in theory. However, I’m also familiar with how free markets work in practice. In reality, free markets are some of the most oppressive regimes in the world. The pursuit of self-interest can fail the entire system when the consequences of that pursuit are either not taken into account, or are presumed to be absorbed by the population as a whole.
All right, shame on me for judging you.
Since we haven’t seen a free market in a hundred years or so, a lot of the oppression you’re alluding to can be attributed to government corruption and crony capitalism, or to excessive regulation that throws a wrench in the workings of the market.
And just so you don’t misunderstand me, I’m not an anarchist. I’m not averse to laws limiting extralegal activities, such as copyright infringement and slave labor. That’s not what Laissez-Faire means.
The examples held up in this stupid video as not having health insurance because they don’t want to pay for it……..actually ALREADY HAVE HEALTH INSURANCE…..CALLED “THE EMERGENCY ROOM”. None of these examples have any assets…..they are people living hand to mouth. The existing health care system is ALREADY treating these people. When you hear of the trillions that Health Care reform will cost, you have to understand that the existing system is ALREADY covering these people.
Of course, the funny thing about Japan’s system is that those covered can’t be charged more than what the gov’t will reimburse them for. So they end up underfunding their system, paying a measly 8% or so. Even Switzerland pays 11% of its GDP.
So the poor sick little girl is supposed to die because her family is too poor to pay for insurance and you’re to miserly to cough up a little bit extra in taxes each year? I also love you Gillespie put clothes and food in his list of things people buy instead of insurance, so if I want insurance all I have to do is go naked and hungry, GOD BLESS AMERICA.
Michael Moore is such a jackoff. Everyone who’s research the NHC systems of nations like Canada or France KNOWS that huge waiting times is one of the downsides. “Dead Meat” is a good short film you can find on youtube that talks extensively about the long-ass waiting times (sometimes as much 2-3 years for surgery). Very few people in the states, I’m sure, have to wait nearly that long for treatment, unless it’s a very rare illness or there’s just not enough organ donors, for whatever reason.
When the US system, about 70 years ago operated on a wholly free market system, our medical care was the envy of the world. Ever since government started getting its paws into it, only funding certain drug companies and insurance companies became mandatory, everything’s gone to pot. If we had a truly free market system, the rest of the world would benefit as well. Already most of the innovation for medical technology comes from the U.S. If it’s nationalized, this will end pretty quickly.
Consumer Driven Health Care is the answer.
So….as diametrically opposed as I am to government Health Care……..or government anything for that matter………………I am really pulling for the part of the Obama Plan that includes a government GROUP that anyone can buy into……………….I’m for it because it is the only hope I have of being able to hold onto any of my assets if I get really sick.
Yes…….Entrepenuers and the Self Employed ……can buy insurance. A 55 year old man can buy a policy with a $5000 deductable for about $400 per month……for the first year. Now, it won’t cover him for the first $5000……or anything else the the Insurance Company can claim to be a pre-existing condition. Laws have been passed to allow them to call just about anything a pre-existing condition. So basically, the only thing covered are accidental injuries. They cover nothing else.
the health care crisis is absolutely not a myth. the great majority of americans want it taken care of
In year two…….the policy STILL does not cover any of the so-called Pre-Existing Conditions………………….but the premium still goes up from 20 to 35%…………just as it will every single year………..every year…..until the person finally says Uncle and drops the policy. So…the Insurer gets ridiculously high rates for the first two years without covering snot……and by the end of year two…..the rate is nearly $800 per month…..still with $5000 deductable.
The healthcare crisis is the myth that never fails to help candidates win so many votes. If only 15% or less of the country is uninsured, ,and even less truly CAN’T afford healthcare, what’s the justification for national healthcare? There is none! You cannot justify making the other 85% suffer under a single-payer system just to satisfy 15%. It does NOT add up! It ’s stupid! Don’t you UHC proponents realize that? You can’t force us 85% to pay for the 15% who don’t have healthcare.
The other option is to look for a fee-for-service clinic nearby that doesn’t accept insurance. They keep the overhead down and pass the savings onto you.
I was hoping Nick would use Henry Rollins’ “Get Some Go Again,” but I guess he’d think that was too edgy.
Singapore has a very free-market healthcare system, and guess where they were ranked in that WHO study? Number 6! Maybe we could learn a thing or 2 about better healthcare from foreign nations, but France, Britain and Canada, with their extremely nationalized systems, aren’t the ones to follow. Japan, Switzerland, Singapore, and Germany, among others, do have “universal health care”, but it’s not national health care. It’s more about getting people covered with private insurance.
Hong Kong has an increasing gini coefficient (increasing gap between rich & poor, increasing income inequality) & Hong Kong does not have a representative democracy, because if they allowed universal suffrage, the population would vote en-masse against so-called “free-market” plicies and in favor of populist democratic reforms.
CountArtha, that’s how great purely free markets are! Free markets oppress people.
The people who benefit most from the free market are the working poor. You probably know them better as the “Proletariat.” Low prices = good for the poor.
Free markets remove all coercion from the system and allow individuals to pursue their separate interests. Producers are free to produce most anything, but if a producer fails to meet its consumers’ needs, consumers vote with their dollars and that producer ceases to exist. No one is powerless in a free market except the elite.
Which free market? The one in Hong Kong ot the one in Singapore?
‘Cause those are the only free markets left on the face of the Earth.
If you are insured through a Group……your rates are going up too……and you are really raising hell about it. Yes….your rates have gone up 50% over the past 6 years. So…….it will be comforting for you to know that because of the power of your Group……your insurance only went up 50%……while coverage for the Self Employed went up about 300%. Most of those suckers had to drop it all together…..and will lose everything they own if they get sick.
So, what was the plan? Get 11 million hooked up on the govt program? That is not half, that’s not even a quarter of the uninsured.
Why the hell don’t we do it without govt intervention? Why can’t we pool the money like they are going to?
Can anyone name 1 govt agency that runs efficiently? No? Why? Because there isn’t one.
Just listen to the politicians talk. They admit they are going to steal the money. They talk shit about the govt but they are part of the govt.
We’re screwed.
How many of the medical advances made in the last fifty years came from Australia?
…That’s what I thought.
Stupid solution. Single payer health care is the way to go. The free market system is a complete failure.
For those who are not educated in economics, health care has many of the features of a “natural monopoly.” One important factor is “barriers to entry.” In health care, one example of this factor is the way medical doctors control their numbers starting with the way MDs are trained. Another example is the high development cost and complexity of medical technology.
Laissez-faire is not an option, unless one is willing to choose premature death.
A hundred dollars a month???? What drugs is this guy taking???? Sure….a young union plumber might be able to buy a limited health insurance plan for $100 a month because his union is a huge powerful GROUP. None of the young dudes this guy shows in his video is part of any GROUP at all. These guys are in bands or waiting tables…..they get NO BENEFITS!!!!!……………………….THE WHOLE PREMISE OF THIS PIECE IS STUPID……MORONIC…….AND A COMPLETE LIE.
Here is WHO doesn’t have Health Care in America……………50-65 year old self-employed Americans. People who are not part of a “GROUP”. America’s Health Insurance system…..is an EMPLOYER/GROUP system. This is because the only power individuals can have over the Insurance Companies…..is if they band together in HUGE groups…..that the Insurance Companies cannot afford to lose. This gives them power to protect their members from being denied coverage by the Insurers.