Category Archives: health insurance

Taking Care of Everyone’s Medical Needs With Group Health Insurance

Taking Care of Everyone’s Medical Needs With Group Health Insurance | JT Insurance ServicesWhen someone is looking for a job, there are many things that they look for in an employer. They want to know how much money they will be able to make, if the job offers a good retirement plan, and having paid vacations is a great advantage. While all of these benefits are wonderful, and anyone who gets a job that provides these things is considered lucky, most people want to find a job that will give them health insurance. Everyone knows that obtaining health insurance can make all of the difference in the world if one should happen to get a critical illness, or get into an unfortunate accident. This is why employers do their best to find a group health insurance policy that they can offer to their employees.

Anyone who is trying to find a group health insurance policy wants to find the best possible coverage for a reasonable price. Employers know that providing their employees with health insurance can be an expensive endeavor. People who work for companies that are willing to take care of their employees are more likely to find satisfaction in their work, and they often perform better than people who feel like they are not being taken care of. This is why many insurance companies help employers out by providing group insurance policies at affordable rates. This way everyone can be happy.

An advantage of this type of insurance is that it makes it possible for some individuals to get great health insurance that may otherwise find it difficult to do so.  Someone who has a history of medical problems will be able to obtain affordable insurance with a group insurance plan, because the overall cost of the insurance is spread out among everyone who has the group policy. This way everyone can be taken care of, and the cost of the insurance does not get too high. Group health insurance plans are an excellent way to take care of a large group of people, and ensure that their medical needs will be taken care of.

If you are reading this on any other blog than JT Insurance Services or via my RSS Feed, it is stolen content without credit.
You can find me on Twitter via @Obamacare_Guru
Come and visit our blog at http://healthplansforyou.com/blog/

Myths vs. Facts: Affordable Health Insurance

Myths vs Facts: Affordable Health Insurance | JT Insurance ServicesWhile there has been much discussion surround affordable health insurance and reform, there are still many areas of confusion. Can you separate the myths from the facts? More information about insurance plans, options, and the marketplace can be discovered and are clearly explained.

Click here to read the full article for WebMD.

Affordable Care Act Exchange Plans Cost Less

Affordable Care Act Exchange Plans Cost Less | JT Insurance ServicesA new study has shown that premiums under the Affordable Care Act exchange cost less than those that are outside of the ACA. Four large insurers within the United States offer coverage plans on and off ACA’s exchange, and the latest information shows that off-exchange coverage is more expensive than those based on the ACA exchange.

Click here to read the full article for California Healthline.

CSU Students Benefit from Affordable Care Act

CSU Students Benefit from Affordable Care Act | JT Insurance ServicesFollowing the launch of the Affordable Care Act and enrollment process, a study has found that the rate of uninsured students at CSU schools has dropped by 60%. The university system received a grant through Covered California to establish the CSU Health Insurance Education Project.

Click here to read the full article for California Healthline.

Keep Smiling With a Dental Insurance Quote

Keep Smiling With a Dental Insurance Quote | JT Insurance ServicesA beautiful smile is often one of the first things that people notice about someone. Unfortunately, keeping that smile beautiful is something that can often require frequent visits to the dentist’s office. It is recommended that someone visit the dentist every six months to prevent cavities and other dental problems. Visiting the dentist every six months can be extremely expensive for people who do not have dental insurance. This problem is compounded when a person has children that need to go to the dentist every six months as well. Individuals who do not currently have dental insurance should contact a health insurance provider to receive a dental insurance quote.

Finding a coverage plan that includes dental insurance can take some time and effort. Fortunately there are health insurance companies who are dedicated to helping their customers find adequate coverage at a price that they can afford. Individuals and families who take the time to contact a health insurance provider to receive a dental insurance quote will be able to find a plan that will work for them. The time and effort it takes to find an adequate plan will be well worth it in the end. Frequent visits to the dentist can help to prevent cavities. Cavities that are found early on and quickly filled do not create big problems. If the cavities remain undiscovered for long periods of time however, they can cause permanent damage to one’s teeth. The process of getting a tooth that has gone bad fixed can be painful, and extremely expensive. It is much better to stop the problem before it starts.

Avoiding painful and expensive dental procedures begins with frequent checkups. Most people cannot afford frequent visits to the dentist if their insurance does not cover these visits. Individuals who want to avoid the hassle of a root canal should contact a health insurance provider, and receive a free dental insurance quote so they can immediately begin finding a dental plan that will work for them. A great dental plan will keep people smiling for many different reasons.

If you are reading this on any other blog than JT Insurance Services or via my RSS Feed, it is stolen content without credit.
You can find me on Twitter via @Obamacare_Guru
Come and visit our blog at http://healthplansforyou.com/blog/

Many California Health Exchange Programs Offer Variety

Many California Health Exchange Programs Offer Variety | JT Insurance ServicesA new study conducted by consultants at McKinsey & Company has said that many health exchange programs, including California Health Exchange programs, offer wide networks that “include at least 70 percent of the hospital in the [qualified health plan]’s area.” This study confirms that those with qualified health plans can obtain access to a broad network, and price differences are not terribly significant between plans.

Click here to read the full article by Allison Bell for LifeHealthPro.

Affordable Health Insurance When You’re Out of Work

Affordable Health Insurance When You're Out of Work | JT Insurance ServicesReplacing your health insurance when you are out of work may seem like a daunting task, but there are certainly affordable health insurance options for you to choose from. COBRA allows you to keep your health insurance for up to 18 months after losing your job, while enrolling in your partner’s plan or seeking a new plan in the marketplace are also good options.

For more information on affordable health insurance options, click here to read the full article from WebMD.

Insurers to Propose Changes to Obamacare Law | JT Insurance Services

Insurers to Propose Changes to Obamacare Law

Insurers plan to seek changes in the Obamacare health laws to include financial assistance for catastrophic, “bare-bones” coverage plans. These plans are not currently eligible for subsidy assistance, but this financial aid may make bare-bones coverage more desirable for the highly coveted demographic of millennials, ages 18-34.

Click here to read the full article by Ricardo Alonso-Zaldivar for Associated Press.

Different Ways to get Low Cost Medical Insurance | JT Insurance Services

Different Ways to Get Low Cost Health Insurance

Having health insurance coverage is important, not only to fulfill government regulations but also to protect your finances and other assets. However, if the lack of funds has prevented you from signing up for coverage, there are ways to receive low cost medical insurance. Some may be subsidies from the government, while others have to do with the type of plan you choose. Speaking with a medical insurance professional is a good idea, as he or she can advise you as to the best path for you to take.

Your first plan for low cost health insurance is to see if you qualify for help from the government. This may be in the form of Medicare or Medicaid, depending on your age and income level. If your income is too high to qualify for subsidy programs, you may qualify for a tax credit, which can help lower your coverage premiums. You can also save money based on the different plan options.

For most people, the least expensive type of healthcare coverage is a major medical, or catastrophic, plan. This tends to have a high deductible, but your monthly premium remains lower. Plus, if you need major medical attention, the plan will cover your costs once your deductible is reached. If you have more medical issues, and you visit the doctor more often, a traditional plan is recommended. There are many diverse options, however, if you want low cost health insurance.

Each plan comes with a deductible amount. Generally speaking, the higher the deductible the lower your premiums will be. You will need to weigh the money you would save in premiums with the amount of money you have to pay before the insurance company will start contributing. There is also a co-insurance amount that you are responsible for in terms of medical costs after the deductible has been met. The higher percentage that you are expected to pay, the lower your premium will be. Because there are so many considerations to keep in mind for low cost medical insurance, it is always smart to use a health insurance consultant to help make the right choice.

If you are reading this on any other blog than JT Insurance Services or via my RSS Feed, it is stolen content without credit.
You can find me on Twitter via @Obamacare_Guru
Come and visit our blog at http://healthplansforyou.com/blog/

Covered California Urges Provider Network Expansion

Covered California Urges Provider Network Expansion | JT Insurance ServicesIn preparation for the next enrollment period, Covered California has begun urging insurers to expand provider networks. This push has followed consumer complaints as the Affordable Care Act required many of the insured to change doctors under their new plans. Covered California hopes to make the transition painless for consumers and facilitate their access to healthcare.

Click here to read the full article for California Healthline.