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.
Insurance for the Self-Employed
If you are self-employed you do not have the luxury of having insurance benefits offered by the company you work for. The good news is…you can build a personal policy that includes what you want and leaves out what you don’t want. Group insurance is one size fits all, take it or leave it. When you’re on your own, it only has to fit you.
What Does it Mean to “Self-Insure”
There are many reasons why you might have to “self-insure”. Maybe you quit your job, got laid off, your company doesn’t offer insurance, your self-employed, an independent contractor or commissioned sales person. Perhaps it’s too expensive to be added on to your spouse’s plan. Whatever the reason, you’re on your own, but not alone. I may be able to help you get benefits.
HSA’s Health Savings Accounts
Is an HSA the best option when you self insure?