We believe you can find the best health care plans and/or insurance through an ethical licensed independent agent who has no captive loyalty to any one insurance provider. In today’s market with pre-existing conditions monthly premiums and/or benefits are not always the major issue. With no allegiance to any one provider, we can search the market place to find the provider that best fits your needs and budget. We believe we have at least a partial solution for almost everyone including individuals with pre-existing conditions.
A study published in The Journal Health Affairs estimated that medical bankruptcies affect about 2 million Americans every year. A survey of bankruptcy judges in California, Illinois, Tennessee and Texas involved about 931 individuals and about half cited medical causes. Unless you’re a very wealthy American you’re only one illness away from bankruptcy.
While many individuals balk at obtaining individual health care coverage because many plans do not have physician co-pays, it’s important to note that it’s unlikely you would go broke from going to the doctor alone. Rather it is the lack of major medical benefits where a 2 to 4 day hospital stay can easily run up a $30,000 bill or more! One caveat most people don’t understand is the uninsured are often charged the highest prices for hospital services. One Florida couple caught without insurance fought a $116,000 hospital bill they claim would be only $25,000 if it was being paid by insurance. Without insurance it is best to try to use a discount plan and negotiate your cost beforehand when not an emergency. Easier said than done as the best discounts usually require cash payment!
While almost everyone has fire insurance to protect their home the likely event of your house burning vs. acquiring a major medical health issue are not even comparable. It is our opinion the two things you don’t want to do without are auto insurance and health insurance. The consequences can simply be financially devastating! While we don’t commonly think of health insurance as a foundation of asset protection that is in fact what health insurance has become.
As independent agents we can place you with the vast overwhelming majority of providers to best fit your needs. Depending upon your state of residence and individual situation any of one them could be the right choice for you. We have found the companies in our quote engine and listed at the bottom of our home page to be as good as any providers available. Some of the providers are linked to their individual websites. Should you fill out an application with any of them, please let us know with a simple email to us?