This is a free website and it's only purpose is to educate you on Health Insurance!
Health Insurance made simple!
This site was developed to help consumers get the answers they need to questions about Health Insurance in a safe non-sales environment. Unfortunately, when you try to get answers on Health Insurance you're forced to call an Insurance Company or Insurance Agent . . . which starts the intense sales process. So, we started a site where you can get the answers without being pressured to buy, but we offer resources to buy insurance if that is what you need and want.
Deductibles: My clients would always ask me "how does the deductible work ... do I have to meet the deductible BEFORE I receive any benefits"? [click here to read more on this topic]
Health Insurance Plans: Individual health insurance is a type of health insurance coverage that is made available to individuals and families, rather than to employer groups or organizations. [Click here to read more on this topic]
How Insurance Companies Underwrite: Your broker MUST be an expert in this area. This area can be the difference between being approved, declined and/or having your insurance premium rated up. [Click here to read more on this topic]
Using an Independent Broker: There is a misconception out there that you will pay more for your Health Insurance if you use an Independent Broker to purchase it. Nothing could be further from the truth! [Click here to read more on this topic]
Contracted Rates: We have all heard the horror stories of someone going to the hospital and being charged $25 for an aspirin and we all say that’s not true. Unfortunately, it is true . . . this is not an urban legend it happens every day to people who don’t have Health Insurance. [Click here to read more on this topic]
Obesity: Can be corrected by surgery when dieting and exercise can't control your weight, because of other medical conditions. Find out how you can control or cure your obesity by clicking on [Fix My Obesity.]
Health Insurance doesn't have to be complicated when you know the facts and the right questions to ask. You can get more info on Health Insurance, Health Plans, and Insurance Quotes by visiting our Resource Page, Links, and Glossary sections. Everyone needs Health Insurance but not every plan is right for everyone and that is why it is so important to understand Health Plans and how they work. Make sure you get plenty of Health Insurance Quotes from several Brokers before you buy a plan and don't buy the first plan from the first Broker you talk to. Learn about In Networks and Out of Networks. What is the difference between a PPO and HMO? Check out all the areas on this website and you will have a much better understanding of Health Insurance, Health Plans, Insurance Companies, and most of all how your premium is determined by the Health Insurance Companies.