Have you made plans for your Health Insurance deductible?

I've been browsing some of the comments from Twitters that I'm following, particularly the healthcare related ones. Many of the accounts dealing with the ACA are very complimentary and are actually bragging about how the country is so much better off now with millions more Americans able to afford insurance. I would have to say that it is a much better place because fellow Americans now have some form of health insurance. One of my prospective clients is considering an Obamacare plan for his ex-wife becuase he is now paying over $750 a month just for her. This is partly due to the fact that she has been diagnosed with hepatitis. If not for the insurance her medication would cost him another $1500/month. I have been assisting him in finding a more affordable plan for her without losing the prescription benefit. So far, no luck. There are certainly more affordable plans on healthcare.gov but that's all you can say about them. In this case, he could cut his monthly premium in half but the medication is not covered. His motivation for trying to find an option for her now is that his divorce decree stipulates that in one more year she will be responsbile for paying the insurance premium. He doesn't like the idea of her not being able to afford a decent plan on her own. His other dilemna is the deductible. For her to get ample coverage she would need to take on a $6300 deductible. OUCH! I would venture to say that a lot more Americans are facing the same dilemna. Yeah, get insurance now, but how do I pay for the deductible later? Most bankruptcies in this country consist of $15000 in medical bills. So definitely, deductibles are causing havoc on most families budgets. However, very few seem to consider how they're going to pay for this bill when it comes. It seems that in the past most were willing to play Russian roulette just to get affordable coverage. Time to pay the piper folks. Your health insurance deductible is not something to take lightly. Your best option is to research and find a plan that will minimize your deductible while providing supplemental coverage that provides a cash benefit to you that will help offset the deductible. For more information on this option visit www.ushagent.com/luiscastillo and request a quote. It will only take a few minutes to see if you qualify for one of the best plans in the country that offers you coverage with zero deductible and a 3 year lock on your rate.

Rising Premiums

A recent article addressed the latest concerns of Floridians and their health insurance. Insurance carriers are expected to increase premiums an average of 15% for 2015. In addition many who have enrolled through the exchanges are now finding out that doctors are no longer accepting patients with insurance issued through the Obamacare exchanges due to the dropping reimbursement rates. As Americans begin to use their new insurance many are in for a rude awakening. What is hurting most is the huge deductible they will face when hospitalization is incurred. The subsidy that is provided my lure many in to the exchanges but the out of pocket expense will drive many into financial ruin. One of the first inconvenient attributes of Obamacare insurance is the lack of doctors. Some people are having to drive over an hour to find a doctor. Among these many may not have a doctor for very long or be able to get in to be seen. One segment of the country that is really feeling the pinch are the self-employed. Most are unaware of any options available to them. Used to risk takers and constantly living without the guarantee of a paycheck, the cost of health insurance is their #1 concern. So what are the clever ones doing these days. They are choosing to go with a little known but capable insurance company called US Health. What they're finding is flexibility to design a plan that fits their health needs as well as their budget. They're finding that when compared to Obamacare they can get a plan that has no annual deductible, first dollar coverage for outpatient visits, access to any doctor and any hospital (but save more when they stay in network), lock in their rates for up to 3 years, flexible plan options, portable coverage, and 24 hour coverage on or of the job. Even is you're currently getting insurance through your employer US Health is worth looking at. If your fairly good health then have them propose a plan that will meet your need and then quote you a price. You can get a free quote at any time and get personallized service throughout the whole process.