Hello?! Attention 50 year olds: Get a physical!!!
It seems like every week I sit down with someone, mostly men, who are over 50 years old and they tell me how healthy they are, “Why I haven’t been to the doctor in 20 years! I’m in great shape!” Maybe.
Pretty much every health insurance company insuring individuals requires someone 50 or older to have had a physical with bloodwork done in the last 2 years. No physical? Case closed. Period. No insurance. It’s too much of a risk for the insurance company. Plenty of these so-called healthy folks will drop dead tomorrow! Do you really have to think for more than a minute to come up with the face of a fifty something friend or c0-worker that “seemed to be in good shape”, that collapsed with a heart attack or stroke?
Geez, if you already have insurance, a preventive physical is FREE as a mandate of health care reform. And even if you forget the wise old adage that an ounce of prevention is worth a pound of cure, if you are in the market for health insurance for yourself…you won’t get coverage without a physical!
So suck it up you wimps that fear all doctors. What? You’re TOO BUSY! Heart disease and cancer thrives on people who are just “too busy”. And stop being so self-centered, it’s not all about YOU. I have a hunch some people you know might also have an interest in you getting a physical. So what are you waiting for? Make that appointment!
No More Pennsylvania Adult Basic!
As of 2/28/11 the state of Pennsylvania ran out of dollars to fund its’ Adult Basic health coverage. About 40,000 individuals across the Commonwealth are scrambling to get something in place. The options are many, the affordable options are few. I may be able to help. Give a call: (717) 468-0130.
Vision Insurance
This is the best deal in the business! For $3/mo for one person or $7/mo for the whole family you can have really affordable coverage for eye exams, glasses and contacts. Wathc the video, send me an e-mail (broweems@ptd.net) or give me a call (717-468-0130).
Do You Have Dental?
When I talk to prospective clients for health insurance, about half the time the question, “Do you have dental?” comes up. There are no really fabulous dental insurance plans and you can probably imagine why. An insurance company makes money when they don’t have to pay claims. Most people are very healthy and rarely have a claim, so the insurance company is making $$$. But give someone dental insurance and they’ll go as often as they can! That COSTS the insurance company money. Nonetheless, they are some possibilities. Watch the video, send me an e-mail (broweems@ptd.net) or give me a call (717-468-0130).
Am I Paying Too Much for Health Insurance?
Whether you are looking at your pay stub and looking at the deduction for your health insurance, or looking at your bank statement and seeing the autodraft of another month’s health insurance premium…from time to time you wonder if you are paying too much for health insurance. What should you do?
Should I Self Insure or Use My Employer’s Health Plan?
As the cost of health care rises in this country, employers may be paying less and less toward your health benefits. It’s very common for the company to pay a lot for you the employee, but very little for your spouse and/or kids. It’s worth it to look at options to self insure.
Catastrophic Health Insurance
Okay, so you’re super healthy, and rarely go to the doctor…AND you don’t want to spend a lot on health insurance. Perhaps the answer is coverage just for catastrophic events, major illness or horrible accident. But is this all you need?
Wow, Term Life Insurance is Cheap!
Rates have come down dramatically in term life insurance in the last few years, due to the fact that we are all living longer, and the insurance companies haven’t had to too many claims.
What is an HMO?
HMO is a health maintenance organization. It’s managed health care. Your doctor is your “primary care physician” or PCP. You must see your PCP to get a referral to see a specialist. It’s a “closed” network of providers, meaning you have no coverage if you go outside the network. Is it right for you? Watch the video to see.
What is a PPO?
A PPO is a Preferred Provider Organization. The preferred providers, doctors and hospitals, are your “in network” service providers. You get a negotiated, reduced cost for services in network, you pay more outside the network. The vast majority of health plans are PPO.