Business Health Insurance Expert Frank Saltzburg Exposes Secrets of Obtaining Best Health Coverage at Most Affordable Price
PR Newswire Association LLC |
Business owners always ask
"There are several strategies that will allow millions of business owners and families to acquire excellent, affordable health coverage. Unfortunately, unless the business owner does their homework with a state-licensed insurance professional holding a Certified Health Care Reform Specialist designation, they will be unaware of these simple solutions for their businesses and families," said Saltzburg, a partner with
He offers four secrets of obtaining the best affordable health coverage:
- Always use a professional, state-licensed broker or agent who is certified as a health care reform specialist. They are trained and educated to be aware of the best plans in the ever-changing current market, both in the private and public exchanges. It does not cost you any more to use a broker as major medical rates are already approved by your State Insurance Commissioner.
- Don't use a public online quote engine as your final answer. It is only a starting point and is susceptible to data breaches leading to identity theft.
- Be aware of "public exchange" call center navigators who do not hold a state-issued health insurance license.
- Utilize the "bundle" concept to give you better coverage at a more affordable price with less out-of-pocket financial exposure.
"To further add to the confusion and frustration for businesses and families looking for affordable health care, there has been a new influx of online insurance quote engines through the public insurance exchanges. The problem here is these public exchange quote engines will list 'bargain health plans' that typically have the smallest network of doctors and hospitals. Many people are shocked to learn their plan's network is limited to one county within their state and their doctors are not part of these networks. A recent
"One other major challenge to getting the best medical insurance coverage is the increase in 'public exchange call center navigators' that, in most cases, are not state-licensed to represent Major Medical coverage. In addition, the majority of these call center exchange navigators are not even government-certified as health care reform specialists in the Affordable Care Act," Saltzburg said.
One big, ongoing concern is the average deductible today is estimated at
"We design our plans strategically so that the deductible and the maximum out-of-pocket exposure are no longer a major issue. According to industry analysts, about 80% of hospitalizations occur due to accidents. Up to 18% of hospitalizations happen due to critical illnesses such as heart attacks, cancer, stroke, kidney failure, severe burns, loss of limbs, blindness, deafness, and coma," he stated.
"We 'bundle' our plans to include accidental coverage to pay up to the deductible amount and cover out-of-pocket expenses. Plus, we offer critical illness coverage to also offset the deductible and any out-of-pocket expenses. The critical illness coverage offers the ability to have a lump sum payout allowing the insured to have an extra
About
With more than 20 years of health benefits, health care reform, and financial services experience, Frank helps clients obtain the health care coverage that best solves their needs. His expertise includes designing affordable health care plans for business owners, families, and individuals. He is a partner with
For information, go tohttp://www.ushcre.com.
SOURCE
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