i was rejected by fortis
because of an existing condition. I
have given up on getting any kind of
coverage.
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Larenc
New User, Becoming EHEALTHy
Joined: 18 Aug 2005 Posts: 1 Location: Florida
Info About Health Insurance In the Individual Market Posted: 08-18-05 12:48pm
Hi everyone,
i wanted to help everyone out so that
perhaps some things about health insurance
can be cleared up. As we all know, the
days of group insurance being a "free"
benefit is long gone. Going forward, we
can expect to take on more of the
financial risk of our health care. There
are many factors that cause this to
happen, and although I am not saying that
insurance companies are not as concerned
about whether you truly understand the
policy you are bying [in the individual
market], I am saying is that people who
have abused their health insurance (for
example: waiting to buy health insurance
until they need it, then filing a claim
before really paying into it, then
canceling their policy) are also
responsible for the hike in health care
costs as well as the strict nature by
which insurance companies determine who is
an acceptable risk or not.
My advice to everyone shopping around is
to understand that the insurance industry
is a heavily regulated industry. Your
agent is not a sales person, but rather an
educator, and you should buy from the
agent that explained the policy to you to
the point that you understood how to use
your insurance when and if you have to.
The fact is that there is no such in
surance out there that is cheap, and also
good insurance.
Please do not make the mistake of thinking
that your money is wasted either. You
should not be insurance poor, but also
consider what insurance was intended to
do: protect you from financial losses that
would otherwise be catastrophic to you and
your family to the point where you are
bankrupts or even worse than that,
homeless.
Many people spend their money on items and
things that will not protect them from
financial losses, and yet when it comes to
buying insurance, everyone wants the "best
deal". The only way to determine what is
the best deal is to fully understand your
benefits, maximums, exclusions and
limitations. If you are buying for
price, you will get what you pay for.
Remember that if you put little into the
reserve (small, cheap premiums), that is
what you will get paid when a claim comes
in.
Hopes this helps.
Larenc
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wiseone
New User, Becoming EHEALTHy
Joined: 19 Oct 2005 Posts: 5
Posted: 10-19-05 00:27am
Hi, you should check out www.Deliveringonthepromise
.Com/40289469 my family and I have
been using these benefits for a while now
and they have saved us a lot of money.
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suckerforhealth
New User, Becoming EHEALTHy
Joined: 24 Jun 2005 Posts: 11 Location: Georgia
$750 Is Only the Beginning Posted: 11-28-05 09:31am
We started at $750 about a year ago. It
went up to $990.12 and this month, without
notice, it went to $1200 month. These
people are criminals. The government is
sorry for not doing something to these
crooks. What right do they have to steal
40% of my income and steal from my
childrens christmas this year. Something
must be done.
