Health Insurance
1. Health Insurance costs a lot but having none costs more.
There are sensible ways to save money on insurance, but skipping health coverage isn?t one of them. Medical bills from even a minor car accident can deplete your savings - a major illness can push you into bankruptcy.
2. If your employer offers health insurance, grab it.
Group coverage, particularly when it?s employer-subsidized, is almost always a better deal than anything you can get on your own, even if you?re young and healthy. If you?re NOT young and healthy, it?s definitely a better deal.
3. Comparing plans is tough but necessary.
Unfortunately, there is no such thing as standard coverage. Benefits and costs vary widely from plan to plan. If you have choices, we will examine each one closely to find the best deal for you - saving you time, frustration, and money.
4. The lowest premium isn?t always the cheapest plan.
What your health insurance covers is just as important as, and sometimes more important than, what you pay up front. Ultimately, the cheapest plan is the one with the best price for the benefits you?re most likely to use.
5. Even good coverage can have big loopholes.
You can count on your health insurance to cover you for a hospital stay. Most policies cover doctor visits, but benefits for mental health, prescription drugs and dental care are strictly optional.
6. You?ll pay more for freedom.
Plans with the most comprehensive coverage at the lowest out-of-pocket cost require you to use a specified network of hospitals, doctors, labs, and other providers. The more flexibility you demand, the more you?ll pay, in either premiums or co-payments.
7. You can check out networks before signing up.
A growing number of public and private sources compile information on the track records of individual doctors, hospitals, and health plans. You should check www.weissratings.com to know the true financial picture for any insurance company.
8. You can keep your insurance if you lose your job.
State and federal regulations protect you from losing your health coverage in the event you lose your job. Unfortunately, they offer little protection from high premium costs.
9. Working couples have more to think about.
If you and your spouse both get health insurance at work, you must sort out whether it makes more sense to have two policies or for one of you to cover the other. If you have kids, you need to decide who?s going to cover them.
10. Tax breaks can help
Ordinarily medical expenses, including insurance premiums, are not tax deductible until they exceed 7.5 percent of your income. However, if you?re self-employed or your employer offers a flexible spending account, you can get a tax break without meeting the threshold. If you are self employed and buy an HSA health plan, bith premiums and expenses become tax deductible (consult with yoour tax advisor).
BELOW ARE SOME RESOURCES TO HELP YOU IN YOUR QUEST TO MAKE SURE YOU ARE LOOKING AT ALL YOUR OPTIONS? If you need assistance with this, we can help.
NOTE TO INDIVIDUALS:
IF YOU ARE LOSING YOUR HEALTH INSURANCE and are facing EXPENSIVE C.O.B.R.A. benefits, there are a significant amount of alternatives before going to COBRA or the STATE RISK POOL.
BELOW ARE LINKS TO HEALTH INSURANCE COMPANIES: THE FIRST SET OF LINKS ARE MAJOR MEDICAL CARRIERS AVAILABLE IN THE STATE OF INDIANA,
THE LAST HEALTH LINK TO (AIM HEALTH) IS FOR PEOPLE WHO CANNOT GET HEALTH INSURANCE ANYWHERE ELSE BECAUSE OF A PRE-EXISTING CONDITION. ALL PLANS ARE HIPAA COMPLIANT.
At the BOTTOM of this page are links to DENTAL, & VISION & ACCIDENT insurance quoting tools. you can instantly compare all plans available in your area.
( If you have any questions or need help, please contact Ben McCann at 317.441.4321 or email to ben@catalistfinancial.com
COLLEGE STUDENTS: CLICK HERE FOR A QUICK EASY QUOTE FOR INSURANCE
MAJOR MEDICAL CARRIERS BELOW:
FORMERLY GOLDEN RULE: Click here to get rates and apply online
CLICK HERE TO GET ANTHEM RATES AND APPLY ONLINE
CLICK HERE TO GET RATES FROM USH&L & APPLY ONLINE
CLICK HERE TO GET RATES & APPLY FOR ASSURANT MAJOR MEDICAL CLICK HERE TO APPLY FOR ASSURANT SHORT TERM POLICY IF YOU ARE IN BETWEEN JOBS AND PLAN ON ONLY BEING ON INDIVIDUAL COVERAGE FOR A SHORT AMOUNT OF TIME (i.e. 6 months or less) you can renew short term policies, but if you plan on being insured for more than 6 months, we recommend getting MAJOR MEDICAL COVERAGE.
If you would like quotes from FSL, American National, World Insurance, or MEDLIFE 360 plans, please call 317.441.4321 or CLICK HERE FOR A QUOTE TO BE EMAILED TO YOU
PLEASE NOTE:
IF YOU HAVE BEEN TURNED DOWN BY OTHER INSURANCE COMPANIES AND THE STATE RISK POOL IS TOO EXPENSIVE, or you WOULD LIKE ALTERNATIVES… PLEASE CLICK BELOW:… We recommend you supplement these plans with an Additional ACCIDENT & CRITICAL ILLNESS POLICY: CONTACT Ben at 317.441.4321 for help and assistance with these options: to view plans and pricing, click below:
CLICK HERE TO APPLY FOR GARANTEED ISSUE HEALTH INSURANCE!!! YOU WILL BE APPROVED… APPLY TODAY!
FOR DENTAL & VISION PLANS: SEE BELOW
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