Wednesday, 08.09.2010

Tag: insurance

Scott Fenstermaker
The ''Real'' Uninsured
2009.08.06 21:31:30

 

       You  keep hearing about the uninsured.  Who are they?  How many people in
America are really uninsured?

      Sources say, 9.1 million people who earn over $75,000 a year
chose to be without health insurance.  This is over 20% of the 47 million Congress tells us are uninsured. 
50% of the uninsured are illegals.  We insure them at the time of claim...in the ER.

      When
you boil it down, somewhere between 5-10 million are trult without health insurance and cannot afford it. 
This is a different picture than the 47 million we are continually told exist.

      

 



Tags: insurance | health insurance | benefits | Uninsured | tallahassee

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Scott Fenstermaker
Health Reimbursement Accounts (HRA)
2009.08.03 15:34:16
HRAs are the newest way to set up your health insurance benefits.  They allow your employees to carry a debit
card to cover day to day expenses and then to be ''reimbursed'' for them.

The idea behind them is
that the employer can implement a higher deductible (providing lower premiums) and offer the HRA to cover the
smaller expenses that drive up the cost of insurance.

The HRA legislation has been around for over
5 years, but few companies have taken advantage of them yet.

Tags: insurance | tallahassee | health insurance | benefits | Tallahassee HRA

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Scott Fenstermaker
Individual Health Insurance
2009.07.31 16:58:57
Health Insurance is still available on a stand alone individual basis.  One may take advantage of short term
major medical for those times during job changes, or times when life offers short term needs.

Blue
Cross, Assurant and Golden Rule are a few of the companies offering health insurance to individuals.  They
are medically underwritten so your current health status is important and you can be turned down.  This may
change in the future as health care undergoes current reform.

Check with your agent or feel free to
give us a call for more information...

Tags: individual health insurance | tallahassee | insurance

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Scott Fenstermaker
Packaging Health Insurance
2009.07.30 13:16:34
If you have 4 or more employees, you can offer more than one health benefits level.  For example, you can
have a low deductible plan and an Health Savings Account.  This way your employees have a choice in their
benefits and their premium.

It also works well for the employer.  The employer can offer two or
three levels of plans and make their contribution on the middle or lower cost plan.  This will during these
tough economic times keep the ER in the hunt with the benefits they offer.

Check with your
insurance agent for more details...

Tags: Blue Cross and Blue Shield | tallahassee | health insurance | insurance

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Scott Fenstermaker
The Uninsured Population in America
2009.07.29 23:22:34

How many uninsured in America are there?  Many numbers are flying off the presses withour any real
explanation as to what it all means.  45,000,000 is the total population most often on the evening news./>
When we break this down, over half that number are illegal aliens.  That's correct, over half.  Many
others are uninsured as a matter of choice.  We hear about unaffordability and the numbers who don't even
have the option to purchase health insurance.

Realistically, about 10,000,000 are uninsured at the
most.  Do we require them to buy insurance?  Is the Government really going to make it more affordable? 
If so, how and at what real expense?



Tags: insurance | tallahassee | Employee Benefits

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Scott Fenstermaker
ObamaCare
2009.07.28 18:40:25

 

 

In the news nearly every day is Obama touting his new plan options for AMerica's
Health care.



Tags: tallahassee | healthcare | Obama | insurance

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