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Health insurance

Affordable health insurance is within reach of most individuals who are not covered by health insurance through their employers. Even if your health is less than perfect or if you have a pre-existing condition, guaranteed coverage assures you that you can obtain a health insurance plan that fits into your present needs. When it comes to selecting health insurance there is no one size fits all plan that is right for everyone. Each individual and each family has its own unique needs, health situation and budget. When you are selecting a plan, it is advantageous to have a wide range of options, including flexible insurance rates, at your fingertips. An insurance agent that is not restricted to one plan or one type of insurance puts you at a definite advantage.

Because the Healthcare Solutions Team provides its clients with options of choosing plans from such companies as Assurant, Humana One, Aetna, UnitedHealthcare and Blue Cross Blue Shield, clients are assured of obtaining a health insurance plan that provides everything they need at a cost that is within their budget. The National Association of Insurance Commissioners concurs, advising, “Consider shopping for private insurance. This option allows you to customize care to your lifestyle, health and budget.” Further the Association states, “recent tax law changes make it possible to deduct the cost of premiums from your taxable income,” thus reducing the overall cost of health insurance premiums over the course of the year.

Why is health insurance necessary?

As medical technology has advanced over the past decades, continuing to move forward, the cost of Healthcare has also risen “drastically,” according to the National Association of Insurance Commissioners organization. The NAIC states, “If you do not have medical insurance to help pay bills, a serious injury or illness can be financially devastating to you and your family.” Additionally, “if you have too little or the wrong kind of coverage,” you will not have the protection necessary to cover your Healthcare costs.

Blue Cross Blue Shield similarly notes that the “most important reason you need health insurance is to protect your family’s finances if you’re in a serious accident or are diagnosed with a serious disease,” noting that “the needed surgeries, treatments, medications and visits to specialist can easily cost hundreds of thousands of dollars.”

Forbes Personal Finance advises, in an article entitled 5 Things You Need to Know Before Buying Health Insurance, warns consumers, “getting hit by the proverbial bus can land you deep in debt (medical bills are the biggest cause of bankruptcy), and you’ll even have to pay a federal penalty (...tax) starting in 2014.” Obtaining adequate health insurance, with attention to getting the right health insurance policy for your needs will be a protection against possible deep debts or bankruptcy in the event of a serious medical condition, as Forbes notes.

In addition to these points, the U.S. Department of Health and Human Services and the U.S. federal government organization, Agency for Healthcare Research and Quality (AHRQ) www.ahrq.gov, states that “health insurance” “protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive.” Your health will in all likelihood be positively affected if you have health insurance, as the AHRQ states that “you are more likely to get routine and preventive care if you have health insurance,” and “there is a link between having health insurance and getting better Healthcare.”

The AHRQ further guides consumers, “you cannot predict what your medical bills will be.” “If you have health insurance, you will have peace of mind in knowing that you are protected from most of these costs.” Additionally, the AHRQ encourages consumers not to put off purchasing health insurance stating, “You should not wait until you or a family member becomes seriously ill to try to purchase health insurance.” Summary of points on the advantages of obtaining health insurance - by the U.S. federal government organization, Agency for Healthcare Research and Quality (AHRQ) as archived by U.S. the U.S. Department of Health and Human Services:

1. Protects you and your family financially

2. Better health through routine and preventive care

3. Better overall Healthcare

4. More likely to have a regular doctor

5. More likely to get needed Healthcare when necessary

Healthcare Solutions Team Health Insurance Plans

The Healthcare Solutions Team provides its clients with a wide range of flexible choices in health plans and will provide you with health insurance quotes to meet your unique needs. You can have confidence in the Healthcare Solutions Team, that has won 10 awards from 2008 through 2012, including the “Complaint Free Award” from The Better Business Bureau, and the “#1 Managing General Agency” by Assurant Health for two consecutive years.

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