Many people are unaware of all the changes in the health insurance industry and
market. Many people think because they were declined before, or because they heard
a horror story from a friend, that there is not anything available for them. Below
are some of the most common objections, concerns, and myths that we hear and dispel
on a daily basis.
Myth: "You are going to charge me a broker fee."
Myth: "Health insurance is just too expensive."
Myth: "I'm self-employed, so I can't qualify."
Myth: "I can get a better deal going direct."
Myth: "I don't speak English well enough."
Myth: "The only option I have is COBRA."
Myth: "I just can't afford it."
Fact: HealthInsurancePlus.com's services are free to you! One of our experts will
review your needs, discuss what plans may be the best option for you, and email,
or mail you the plans to review before you make this important decision. You never
pay us directly. The price you pay is the exact same as you would pay to go direct
with the carrier, and you have the expert advice of a HealthInsurancePlus.com representative
on your side to give you the best information possible.
Fact: Many people feel that the costs of health insurance has gotten out of hand.
And although it is true that many plans have taken large increases in recent years,
there are also many new plans with great benefits that are very reasonably priced.
Also, the perceived costs are much higher. Many plans start at as low as $45 dollars
a month depending on age and health conditions. Also, there is no cost or obligation
to buy just for getting an online rate quote. Take a look at the rates for yourself,
then ask a professional at HealthInsurancePlus.com and see for yourself.
Fact: Health insurance premiums are eligible to be tax deductible for the self-employed.
Many self-employed individuals find health savings accounts an excellent option
to maximize their independent lifestyle, and minimize their tax liability. Also,
if you have a partner, or an employee, you can apply for guaranteed issue small
group coverage. As a small group with 2 members, you can’t be rejected.
Fact: Health insurance premiums are determined by the health insurance company and
regulated by the state of California through the Department of Insurance. You will
not find a lower premium for any of the insurance plans quoted on our website. The
price you pay is the same as if you were to go direct with one of the carriers we
offer. And many times the knowledgeable HealthInsurancePlus.com advisors can assist
you in finding the best priced plans available that still fit your needs.
Fact: Most insurance providers have literature and customer service support in a
variety of languages. And most plans offer a language directory of doctors that
speak you specific language of choice. Morgan Hege Insurance Services is committed
to providing you with helpful literature and information that provides the support
and information presented in a language that you are comfortable with.
Fact: COBRA is a last resort. Although we never advise you to go without coverage,
we recommend shopping for coverage other than COBRA or Cal-COBRA when you leave
an employer. Many of HealthInsurancePlus.com's customers are unaware that an Individual
insurance policy is far more cost effective, and less expensive than their COBRA
or Cal-COBRA options. Also, there are a variety of short-term plans available for
as short as one(1) month, and as long as eight teen(18) months. If you plan to be
between employers longer, there are other options too. Contact HealthInsurancePlus.com
for free information.
Fact: Health Insurance comes at many different price points for individuals and
families. HealthInsurancePlus.com specializes in shopping the market for you, and
suggesting not one, but several plans to find the best one that is affordable, and
fits within your budget. A typical hospital stay (about four days, and two follow
up visits) is now more than $29,000. With hospital costs continuing to rise, the
question is not, can you afford to have it, the question is, “Can you afford NOT
to have it?”
Now that you are aware that there are easy solutions to many health insurance myths,
please take a moment to complete a fast and easy online quote. You will see that
there are many affordable health insurance plans available. And once you have seen
some of the rates and plans, feel free to give a HealthInsurancePlus.com licensed
agent a call.
A HealthInsurancePlus.com specialist will be happy to discuss the plans in further
detail and help you make a decision as to which benefits are most important to you.
We can even make cost cutting suggestions about how to structure coverage for your
family or business. Back to Top