I visited your website and it is quite comprehensive and full of really good information.
That FSA is a nice option. Having a debit card for it makes it easy to access for prescriptions and for over-the counter items like bandaids although I haven`t seen where they pay for over-the-counter vitamins.
Yesterday, I heard about a loophole in some states or locales whereby the auto insurance policy states that if someone has a car accident and they are at fault and there are passengers in the car of that driver at fault, their auto insurance covering that car may not cover the passengers` medical bills - those passengers would have to have their own medical insurance. They also said that many people don`t know that is contained in their policy.
Competition for health care insurance or not having it for whatever reason is with the local in-store clinics even when people can afford some type of medical insurance. I`ve actually found those folks who like the service. A visit may only cost $50 and available 7 days per week and a number of locations to choose from. Of course, that doesn`t cover anything major but many who elect not to pay a premium every month, especially young people, don`t think they need any more coverage which may be none even if their employer provides the option. Then when something happens and they don`t have it, then they wished they did.
When trying to make a final decision for whichever route to find the right balance in securing coverage with affordability, one must decide whether to separate each type of coverage - using multiple companies based on the type of insurance needed or whether to find one that covers more than one to possibly get a better packaged rate.
The other question is whether and employer or employee is whether to sign up with an insurance broker or sign up directly with an insurance company(ies). Regardless of the resources out there with more than enough (overwhelming at times) information, it can still be a difficult question to answer especially when most people most times are not getting apples-to-apples quotes in the first place and they don`t seem to realize it.
What I`m finding out is many employers are changing insurance companies a lot more often just to keep their premiums and co-pays at a steady annual level and/or dropping certain portions of their coverage. Some, of course where possible, are hiring more part-time help to avoid having to provide it when possible. In some situations, some employers still have to offer it to part-timers.
There are additional published resources that are found in the daily news and elsewhere that address health-related challenges including insurance as well as medical breakthrough solutions at http://www.HealthCareStatistics.org
among so many resources available. Hearing stories from others` experiences can also be used to try to get those types of questions answered. Often times it just boils down to knowing someone who has insurance and going with whoever they use, be it right, wrong, or indifferent.
One resource more people seem to be using more after they`ve short-listed their options is to check Angie`s
List (1-866-943-9727) to see what they say about a given insurance company (or physician) and whether that company pays their claims or tries to find excuses not to.
Keep up the good work at your website, John as it adds a lot of depth to this subject.
profitizer7/30/2009 1:45 PM
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