Auto Insurance Principles Should Apply to Health Insurance

WHY HEALTHCARE COVERAGE IS SO IMPORTANT TO EVERYONE INVOLVED

Have you ever noticed that sometimes your auto policy has more coverage than your actual healthcare coverage? It's a sad fact, but it's true. Healthcare coverage options should be given more consideration. Allow me to illustrate this with a few examples.

SMALL EMPLOYER HEALTH INSURANCE SAN FRANCISCO: A SMALL TIME BUSINESS OWNER GETS REALLY SICK

1) Let’s say a small business owner takes out insurance on his company. He takes out everything from auto insurance to a small employer health insurance San Francisco plan. Let's say one day he gets really sick. Say he only gets one or two options with his plan. The hospital refuses to pay some of the bills due to these limited options. What is he supposed to do? Is he supposed to suffer? Isn't this partly the responsibility of the plan coverage itself?

FAMILY HEALTH INSURANCE SAN FRANCISCO: A CHILD LEFT BEHIND

2) Let’s take a look at a second example. Say a father of four takes out a really good family health insurance San Francisco plan for him, his kids and his wife. Say that the coverage doesn't extend to one of the kids due to a pre-existing illness. What is he supposed to do? Have everyone else taken care of in the family, everyone except that one child. Will that one child suffer at the hands of a health insurance plan that is not looking out for their best interest?

Now these are just a few short examples, but I feel they illustrate my point. No person should go without proper health insurance, regardless of their circumstances or pre-existing health conditions.

Please refer to the site below for more information, for any and all information: claimsplusinsurance.com

The Pros and Cons of Group Health Insurance

Should you sign up for group or individual health insurance? Many people never even consider the question. If they work for an employer offering group health insurance, they take it. If they don't, they often will go uninsured.

However, there are significant advantages for most people to enroll in business health insurance plans San Francisco if at all possible.

It's easy. It's convenient. You work for that employer. It'll be one of the many pieces of paper the Human Resources Department completes with you on your first day. The premiums will come out of your paycheck so you don't notice. If you sign up for an individual plan, you must receive and pay the bills. If you're late, even accidentally, that may affect your coverage when you most need it. You'll then wish you had small employer health insurance San Francisco.

If the group plan on your job is free, there's no reason to turn it. It's not really free. Your employer is paying the premium for you, it's part of your total compensation package, so don't let that go to waste.

Even if you have to pay for it, you'll probably pay less than what you would pay on your own. That's because of the economies of scale. With a group plan, the insurance company can include you for less, because there are so many other members of business health insurance plans San Francisco.

Also, with small employer health insurance San Francisco group plans, they cannot turn you down for a per-existing condition.