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Small Business weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan1″>
Unfortunately, insurance companies are driven by profits, not people (albeit weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan2″>they have people weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan3″>to form profits). If the weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan4″>insurance firm can find a legal reason weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan5″>to not pay a claim, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan6″>likelihood is that weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan7″>they’re going to find it, and you weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan8″>the buyer will suffer. However, what weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan9″>most of the people fail weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan10″>to understand is that there are weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan11″>only a few “loopholes” in an weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan12″>policy that give the weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan13″>insurance firm an unfair advantage over weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan14″>the buyer . In fact, insurance companies weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan15″>attend great lengths to detail weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan16″>the restrictions of their coverage by giving the policy holders 10-days (a 10-day free look period) to review their policy. Unfortunately, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan17″>most of the people put their insurance cards in their wallet and place their policy weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan18″>during a drawer or weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan19″>file during their 10-day free look and weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan20″>it always isn’t until they receive a “denial” letter from the weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan21″>insurance firm that they take their policy weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan22″>bent really read through it.The majority weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan24″>
of individuals , who buy their own weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan25″>insurance , rely heavily on the weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan26″>insurance broker selling the policy weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan27″>to elucidate the plan’s coverage and benefits. This being the case, many individuals who purchase their own weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan28″>insurance plan can tell you weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan29″>little or no about their plan, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan30″>aside from , what they pay in premiums weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan31″>and the way much weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan32″>they need to pay to satisfy their deductible.For many consumers, purchasing a weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan34″>
insurance policy on their own weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan35″>are often weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan36″>a huge undertaking. Purchasing a weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan37″>insurance policy weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan38″>isn’t like buying a car, in that, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan39″>the customer knows that the engine and transmission are standard, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan40″>which power windows are optional. A weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan41″>insurance plan weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan42″>is far more ambiguous, and weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan43″>it’s often very difficult for weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan44″>the buyer weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan45″>to work out what weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan46″>sort of coverage is standard and what other benefits are optional. In my opinion, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan47″>this is often weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan48″>the first reason weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan49″>that the majority policy holders weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan50″>do not realize that weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan51″>they are doing not have coverage for weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan52″>a selected medical treatment until they receive weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan53″>an outsized bill from the hospital stating that “benefits were denied.”Sure, we all complain about insurance companies, but we do know that they serve a “necessary evil.” And, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan54″>
albeit purchasing weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan55″>insurance weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan56″>could also be a frustrating, daunting and time consuming task, there are certain things weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan57″>can do as a consumer weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan58″> that you simply simplyto make sure that you are purchasing weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan60″>the sort of weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan61″>insurance coverage weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan62″>you actually need at weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan63″>a good price.Dealing with small business owners weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan65″>
and therefore the self-employed market, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan66″>I even have come to weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan67″>the belief that weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan68″>it’s extremely difficult for people weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan69″>to differentiate between weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan70″>the sort of weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan71″>insurance coverage that they “want” weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan72″>and therefore the benefits they really “need.” Recently, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan73″>I even have read various comments on different Blogs advocating health plans weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan74″>that provide 100% coverage (no deductible and no-coinsurance) and, although I agree that those weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan75″>sorts of plans have weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan76″>an excellent “curb appeal,” I can tell you from personal experience that these plans weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan77″>aren’t weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan78″>for everybody . Do 100% health plans offer the policy holder greater peace of mind? Probably. But weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan79″>may be a 100% weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan80″>insurance plan something weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan81″>that the majority consumers really need? Probably not! In my professional opinion, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan82″>once you purchase a weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan83″>insurance plan, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan84″>you want to achieve a balance between four important variables; wants, needs, risk and price. weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan85″>a bit like weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan86″>you’d do if you were purchasing options for weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan87″>a replacement car, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan88″>you’ve got to weigh weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan89″>of these variables before you spend your money. If weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan90″>you’re healthy, take no medications weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan91″>and infrequently weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan92″>attend the doctor, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan93″>does one weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan94″>actually need a 100% plan with a $5 co-payment for weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan95″>prescribed drugs if it costs you $300 dollars more a month?Is it worth $200 more a month weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan96″>
to possess a $250 deductible and a $20 brand name/$10 generic Rx co-pay versus an 80/20 plan with a $2,500 deductible that also offers a $20 brand name/$10generic co-pay after you pay a once a year $100 Rx deductible? Wouldn’t the 80/20 plan still weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan97″>provide you with adequate coverage? Don’t weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan98″>you think that weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan99″>it might be better weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan100″>to place that extra $200 ($2,400 per year) in your weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan101″>checking account , just weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan102″>just in case weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan103″>you’ll weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan104″>need to pay your $2,500 deductible or buy a $12 Amoxicillin prescription? Isn’t it wiser weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan105″>to stay your hard-earned money weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan106″>instead of pay higher premiums to an insurance company?Yes, there are weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan107″>
some ways weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan108″>you’ll keep more of weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan109″>the cash weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan110″>that you simply would normally give to an weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan111″>insurance firm weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan112″>within the weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan113″>sort of higher monthly premiums. weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan114″>for instance , the weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan115″>federal encourages consumers weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan116″>to get H.S.A. (Health Savings Account) qualified H.D.H.P.’s (High Deductible Health Plans) weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan117″>in order that they have more control over how their health care dollars are spent. Consumers who purchase an HSA Qualified H.D.H.P. can put weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan118″>extra cash aside weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan119″>annually in an interest bearing account weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan120″>in order that they can use weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan121″>that cash to weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan122″>buy out-of-pocket medical expenses. Even procedures that weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan123″>aren’t normally covered by insurance companies, like Lasik eye surgery, orthodontics, and alternative medicines become 100% tax deductible. If there weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan124″>are not any claims that year weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan125″>the cash that was deposited into the tax deferred H.S.A weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan126″>are often rolled over to weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan127″>subsequent year earning weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan128″>a good higher rate of interest. If there weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan129″>are not any significant claims for several years (as weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan130″>is usually the case) the insured weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan131″>finishes up building a sizeable account that enjoys similar tax benefits as weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan132″>a standard I.R.A. Most H.S.A. administrators now offer thousands of no load mutual funds to transfer your H.S.A. funds into so weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan133″>you’ll potentially earn weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan134″>a good higher rate of interest.In my experience, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan135″>
i think that individuals who purchase their health plan weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan136″>supported wants weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan137″>instead of needs feel weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan138″>the foremost defrauded or “ripped-off” by their weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan139″>insurance firm and/or weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan140″>insurance broker . In fact, I hear almost identical comments from almost every business owner that I speak to. Comments, such as, “I weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan141″>need to run my business, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan142″>i do not have time to be sick! “I think weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan143″>I even have gone to the doctor 2 times weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan144″>within the last 5 years” and “My weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan145″>insurance firm keeps raising my rates weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan146″>and that i don’t even use my insurance!” As a business owner myself, I can understand their frustration. So, is there weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan147″>an easy formula weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan148″>that everybody can follow weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan149″>to form weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan150″>insurance buying easier? Yes! Become an INFORMED consumer.So what weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan151″>
does one think happens almost 100% of the time weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan152″>once I ask these individuals “BASIC” weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan153″>questions on their weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan154″>insurance policy? weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan155″>they are doing not know the answers! weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan156″>the subsequent weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan157″>may be a list of 10 questions that I frequently ask a prospective weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan158″>insurance client. weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan159″>let’s examine weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan160″>what percentage weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan161″>you’ll answer without weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan162″>watching your policy.1. What weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan163″>
insurance firm are you insured with and weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan164″>what’s the name of your weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan165″>insurance plan? (e.g. Blue Cross Blue Shield-“Basic Blue”)2. weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan166″>
what’s your weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan167″>civil year deductible and would weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan168″>you’ve got to pay a separate deductible weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan169″>for every weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan170″>loved one if everyone in your family became ill at weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan171″>an equivalent time? (e.g. weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan172″>the bulk of health plans have a per person yearly deductible, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan173″>for instance , $250, $500, $1,000, or $2,500. However, some plans will only require you to pay a 2 person maximum deductible weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan174″>annually , weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan175″>albeit everyone in your family needed extensive weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan176″>medical aid .)3. weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan177″>
what’s your coinsurance percentage and what dollar amount (stop loss) weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan178″>it’s based on? (e.g. weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan179″>an honest plan with 80/20 coverage means you pay 20% of some dollar amount. This dollar amount weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan180″>is additionally weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan181″>referred to as a stop loss weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan182″>and may vary weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan183″>supported weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan184″>the sort of policy weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan185″>you buy . Stop losses weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan186″>are often as little as $5,000 or $10,000 or weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan187″>the maximum amount as $20,000 or there are some policies on the market that weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan188″>haven’t any stop loss dollar amount.)4. weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan189″>
what’s your maximum out of pocket expense per year? (e.g. All deductibles plus all coinsurance percentages plus all applicable access fees or other fees)5. weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan190″>
what’s the Lifetime maximum benefit the weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan191″>insurance firm weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan192″>can pay if you become seriously ill and does your plan have any “per illness” maximums or caps? (e.g. Some plans may have a $5 million lifetime maximum, but may have a maximum benefit cap of $100,000 per illness. weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan193″>this suggests weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan194″>that you simply would weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan195″>need to develop many separate and unrelated life-threatening illnesses costing $100,000 or less to qualify for $5 million of lifetime coverage.)6. Is your plan a schedule plan, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan196″>
therein it only pays weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan197″>a particular amount for weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan198″>a selected list of procedures? (e.g., Mega Life & Health & Midwest National Life, endorsed by the National Association of the Self-Employed, N.A.S.E. weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan199″>is understood for endorsing schedule plans) 7. Does your plan have doctor co-pays and are you limited to weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan200″>a particular number of doctor co-pay visits per year? (e.g. Many plans have a limit of weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan201″>what percentage times you weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan202″>attend the doctor weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan203″>per annum for a co-pay and, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan204″>very often the limit is 2-4 visits.)8. Does your plan offer weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan205″>
prescription coverage and if it does, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan206″>does one pay a co-pay for your prescriptions or weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan207″>does one weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan208″>need to meet a separate drug deductible before you receive any benefits and/or weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan209″>does one just have weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan210″>a reduction prescription card only? (e.g. Some plans weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan211″>provide you with prescription benefits weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan212″>directly , other plans require weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan213″>that you simply pay a separate drug deductible before weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan214″>you’ll receive prescription medication for a co-pay. Today, many plans offer no co-pay options and only provide you with weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan215″>a reduction prescription card weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan216″>that provides you a 10-20% discount on all prescription medications).9. Does your plan have any reduction in benefits for organ transplants and if so, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan217″>
what’s weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan218″>the utmost your plan weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan219″>can pay if weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan220″>you would like an organ transplant? (e.g. Some plans only pay a $100,000 maximum benefit for organ transplants for a procedure weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan221″>that really costs $350-$500K and this $100,000 maximum weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan222″>can also include reimbursement for expensive anti-rejection medications weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan223″>that has got to be taken after a transplant. If weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan224″>this is often the case, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan225″>you’ll often weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan226″>need to weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan227″>buy all anti-rejection medications out of pocket).10. weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan228″>
does one weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan229″>need to pay a separate deductible or “access fee” weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan230″>for every hospital admission or weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan231″>for every weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan232″>ER visit? (e.g. Some plans, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan233″>just like the Assurant Health’s “CoreMed” plan have a separate $750 hospital weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan234″>entrance fee weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan235″>that you simply weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan236″>buy weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan237″>the primary 3 days weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan238″>you’re weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan239″>within the hospital. This fee is weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan240″>additionally to your plan deductible. Also, many plans have benefit “caps” or “access fees” for out-patient services, such as, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan241″>physiotherapy , weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan242″>therapy , chemotherapy, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan243″>radiotherapy , etc. Benefit “caps” weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan244″>might be as little as $500 weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan245″>for every out-patient treatment, leaving you a bill for the remaining balance. Access fees are additional fees weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan246″>that you simply pay per treatment. weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan247″>for instance , weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan248″>for every outpatient chemotherapy treatment, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan249″>you’ll be required to pay a $250 “access fee” per treatment. So for 40 chemotherapy treatments, weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan250″>you’d weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan251″>need to pay 40 x $250 = $10,000. Again, these fees would be charged weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan252″>additionally to your plan deductible).Now weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan253″>
that you’ve got read through the list of questions that I ask a prospective weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan254″>insurance client, ask yourself weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan255″>what percentage questions you were weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan256″>ready to answer. If weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan257″>you could not answer all ten questions weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan258″>do not be discouraged. weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan259″>that does not mean weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan260″>that you simply weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan261″>aren’t weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan262″>a sensible consumer. weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan263″>it’s going to just mean weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan264″>that you simply weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan265″>addressed a “bad” weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan266″>insurance broker . So how could you tell if you weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan267″>addressed a “bad” weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan268″>insurance broker ? Because a “great” insurance agent would have taken the time weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan269″>to assist weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan270″>you actually understand your insurance benefits. A “great” agent spends time asking YOU questions so s/he can understand your insurance needs. A “great” agent recommends health plans weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan271″>supported all four variables; wants, needs, risk and price. A “great” agent gives weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan272″>you adequate information to weigh all of your options so weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan273″>you’ll make an informed purchasing decision. And lastly, a “great” agent looks out for YOUR best interest and NOT weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan274″>the simplest interest of the weight: 700; letter-spacing: 0.3px; position: relative; text-align: start;” tool-tip=”faizan275″>insurance firm .
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