Health Insurance Network
THE HEALTH INSURANCE INDUSTRY CHANGE IN 2011 and 2012 Second I observed that most of the cost factors where indeed due to Hospital and Surgical procedures. HOWEVER, THESE WERE NORMAL and NOT RESTRICTED TO "CATASTROPHIC CONDITIONS"
Even now, no one really knows what will finally constitute good and affordable Health Insurance Coverage in America. Its interesting to note that the Health Insurance Companies actually do not desire premiums to be raised.
It is believed that health Insurance Companies would like health supplies and equipment necessary for treatments to be lowered and malpractice law suits to be limited. This would help the Physicians, Hospitals, All Ancillary services (MRI, XRay etc), and of course Retail Drug Stores to sustain a reasonable profit without having to resort to price gouging to cover their overhead
Ideally, For the client, this hopeful situation would lower the monthly premium costs due to having a President Regan "Trickle Down" effect.
_Until If and When this ever happens____________________
There is a Solution and it is not any possible New Law. Its one that my company thinks will improve your health coverage and significantly reduce your cost. The U.S. government may offer some Medical Coverage but is not yet Mandated into a Law
This is what is currently believed to have transpired.
Congress apparently chose a rather inept solution to the Health Crisis in America. Hopefully, a better situation will eventually be offered through amendments. Many problematic areas currently exist.
The current government coverage is very weak
Especially due to it's RATIONING FEATURES
They are: $5,000 for an individual, $10,000 for a family per year
Have you checked out what the total cost of a Hospital with Surgery stay is today?
It is believed that Clinics will help with Physician services but their total support will probably be on a Limited basis where Ancillary Services are concerned.
What about Ancillary Services? Whats that you might ask. Its the Lab work, MRI's, Xray's, Physical Therapy, Podiatry, Opthalmology (Cateracts), Lasik Surgery, Cosmetic Surgery, Hearing Services, Mental Health Services, Chiropractic Services, Diabetic Supplies, Dental including Orthodontic Requirements (Braces), and Prescription Drugs. The government has no provision for all of these.
Hypothetical Rare Case thought and statement:
"I Can Afford Major Medical and not worry about these matters". Are You Sure ? Of course
Major Medical coverage is available. It equals a house payment at a minimum for a family of four (4)
Maybe the Golfer (in the above Picture) has a family of 4
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NOW THE GOOD NEWS My company has a health coverage program that WORKS GREAT !
As an Insurance Man, I saw the Health Insurance cost skyrocketing and prepared for it. Heres what I found out and now gladly share with you.
First I explored what was being paid under the terms and conditions of the policy and then translated that into percentages I.E. Hospital, Medical Doctors, Ancillary Services (Outlined Above), Pharmaceuticals, and Supplies (Diabetic etc.).
Third I Quickly learned that Health Insurance Companies are connected to whomever the designated PPO is (Preferred Provider). Some companies have multiple PPO's to choose from. The trick here is to find out which one(s) your Doctor and Hospital are affiliated with and whom they prefer to be paid through.
A WORD TO THE WISE : Each PPO has a different pre-negotiated discount percentage % of billing and payment time schedule to adhere to. This may or may not affect your broad spectrum of medical treatment availability.
Fourth I found the Irony to be with the "Ancillary Coverage" fees. The health Insurance companies Charge More (a higher percentage) built into the monthly premium for the M.D. visits, pharmaceuticals etc. than they do for the high cost of Hospitals and Surgeons (Drugs and Supplies while Hospitalized included).
Fifth I found out that the great Majority of "Ancillary Coverage" had either Co-Pays or Discount Percentages (%).
An Astute Health Insurance Client for Major Health coverage will look into the exact terms and conditions of this type policy as well as all insurance policies.
Personally, if I were shopping for Major Medical Insurance, I'd take a GOOD HOSPITAL SURGICAL ONLY section of a POLICY being offered with 100% coverage [possibly no deducible] and combine it with GOOD SOLID ANCILLARY MEDICAL PROGRAMS. [ REFERRED TO BELOW ]
The above combination will provide one approximately 95% of what the best Major Medical Insurance will cover AND IT IS APPROXIMATELY 50% CHEAPER!
Health Companies We Use: Aetna, Blue Cross / Blue Shield, Celtic,
Humana, United Health Care
A FULLY INSURED PACKAGE IS OFFERED THROUGH A VARIETY OF INDEMNITY AND SPECIALIZED PROGRAMS WITH INDIVIDUAL HEALTH INSURANCE PRODUCTS (I.E. CANCER, CRITICAL ILLNESS and HEART COVERAGE) PROVIDING THE BEST DOLLAR VALUE.......
THESE ARE ALTERNATIVE WAYS FOR OUR CLIENTS TO GET GOOD SOLID AFFORDABLE HEALTHCARE COVERAGE. IN SOME SITUATIONS PRE-EXISTING CONDITIONS MAY BE ACCEPTABLE.
IT ALSO ENABLES ONE TO BE ABLE TO PICK AND CHOOSE THEIR DESIRABLE BENEFITS BUILT INTO THEIR OWN PERSONALLY DESIGNED HEALTHCARE INSURANCE. WITH OUR PERSONAL GUIDANCE, ONE SHOULD EXPECT .......
95% to 100% OF WHAT MAJOR MEDICAL WOULD PROVIDE FOR 50% OF THE COST
Few people are aware that Individual Health Insurance is significantly cheaper than Group Health Insurance. However, a person must be in reasonably fair health to qualify for it.
The above listed companies seem to be the most popular. Also please note that not all Health Insurance Companies are licensed in all States.
With so many Health Insurance Companies now are discontinuing or limiting service in many areas, it is difficult to continually know what can or cannot be offered in any particular State or Area. Even the zip code that an applicant lives in affects the price of coverage.
I'll be glad to provide you with the details about all of this. There is absolutely no obligation on your part. No one will call or even email you without your request to do so.
Please learn to navigate www.armbest.com Asset Reliance Management LLC
Sincerely,
Roy Callaway
Asset Reliance Management LLC
6730 Everhart Road Suite J-1
Corpus Christi, TX 78413
RoyCallaway@LifeInsUSA.com Office
roycallaway@sbcglobal.net Direct
361-986-1544 Direct