Health Insurance for Small Business – The best plan is a great agent Pt 1
I have been practicing as a health insurance broker for more than a decade and each day I read many “horror” tales published on the Internet about health insurance firms that pay no claims, denying coverage for specific diseases and doctors are not reimbursed for services doctors Unfortunately, insurance companies motivated for benefits, not for people (although they need people to earn revenue). If the insurance company can find a legal reason not to pay a complaint, they are likely to find it and the consumer will most likely suffer. Meanwhile, what most people cannot perceive is that there are just few gaps in any insurance plan that give the insurer an unfair advantage over the consumer. Actually, insurers do their best to detail the limitations of their coverage, giving the insured 10 days (a 10-day free period) to review their plan. Unfortunately, many individuals keep their insurance cards in their purse and keep their plan in a filing cabinet or drawer during the 10-day free appearance and usually it is not until they get a “denial” letter from an insurance firm that take their plan to really read through it.
Most people, who buy their own health insurance, depend a lot on the insurance agent who sells the plan to explain the coverage and benefits of the plan. In this case, many people who buy their own Health Insurance 2020 @ https://www.healthinsurance2020.org can say very little about their plan, in addition to what they pay in prizes and how much they have to pay to satisfy their franchise. For many consumers, buying a health insurance plan on their own can be a huge task. Acquiring a health insurance plan is not like buying a car, since the buyer knows that the engine and transmission are standard and that electric windows are optional. A health insurance policy is much more ambiguous, and it is usually very challenging for the consumer to decide what type of insurance is standardized and what other benefits are optional. In my opinion, that is the main reason why most of the insured do not perceive that they do not have insurance for a particular medical treatment till they get a large hospital bill stating that “the benefits were denied.”
Of course, we all complain about the insurance companies, but we know that they serve a “necessary evil”. And, although buying health insurance can be a frightening, frustrating, and time-consuming event, there are some things you could do as a consumer to make sure that you are buying the type of health insurance coverage you really need at a fair price. Dealing with small entrepreneurs and the autonomous market, I came to the conclusion that it is extremely difficult for people to distinguish between the type of health insurance coverage they “need” and the benefits they really “require”. Of recent, I have read several comments in different blogs that defend health plans that offer 100% coverage (without deduction and without insurance) and, although I agree that these types of plans have a great “brake appeal”, I can say experience that these plans are not for everyone.