While the introduction of the Affordable Care Act has been confusing, misleading, difficult and beneficial for many people; it is our responsibility as consumers to take advantage of and learn these new guidelines when purchasing health insurance. My previous articles on health care reform will also enlighten you in your search for answers regarding health insurance.
We can always purchase insurance from carriers willing to sell health plans without complaints. Once the heavy goods vehicles (insurers) understand this for themselves; I recommend carriers to go back to underwriting and lowering premiums for consumers who are willing to go through underwriting to eventually pay lower premiums and have the freedom they once enjoyed by being able to choose their own providers in PPO type networks. Of course, carriers should have reasonable negotiable tariffs to entice providers to join their network.
Consumers will be able to buy as they do now directly over the counter (directly from carriers) or on exchange (ACA) if they need government financial assistance to pay for coverage. Although there is a lot of confusion with this law; the reality is that as an individual you can always purchase whatever type of insurance you want. People who are in good health and can get through the underwriting process should get coverage like the good days. It can help reduce premiums depending on how carriers organize their new product lines once they realize it’s always about making money and finding ways to cut costs; without making consumers suffer financially.
Two essential health benefits that most consumers do not need are maternity and pediatric dental coverage. While it is important for children to have dental insurance, it should not be the U.S. taxpayer’s responsibility to pay for dental insurance as part of their health plan, especially when that particular benefit is not. not necessary for a person purchasing coverage. The same is true for a person unable to produce offspring, there should be no reason why anyone who cannot have children or who is past the stage of childbearing should also have maternity or neonatal coverage in the family. his health insurance. These two health benefits in most no-complaint plans will eliminate coverage that you wouldn’t need or even want.
Why pay for benefits that you will never use? There are millions of people who have insurance and can afford to absorb the tax penalty. Compliance and new guidelines are a necessity for people who were previously unable to obtain insurance. Be encouraged as you navigate your way through the various learning curves with these new guidelines for buying insurance.
The purpose of this article is to help educate you and encourage you to purchase health insurance, as well as other types of coverage, such as, but not limited to: accident, annuity, critical illness, life and compensation to help protect your income. and assets when an accident occurs in your life. The financial blow will be minimal because you will have insurance in place to soften the blow. In the analogy of a boxer; you have to wind and weave, run, prick, catch, throw a false punch, a counter punch; a hook on the body and head, then knock out the opponent with the right life and health insurance products.