You have heard the saying, "You get what you pay for..." right? The insurance world is not excluded from that concept. There are a lot of health plans being marketed right now that are dirt cheap, but may have huge gaps in their coverage. You may see limitations on ambulance coverage, organ transplants, doctor visits, cancer treatment, surgery, and the list goes on... I spoke with the VP of a major health carrier after seeing the limitations for a new product that they were launching. I asked him why a person would purchase this plan that had extremely low outpatient and inpatient surgery benefits, low organ transplant coverage, and very little doctor visit coverage when there are other plans that don't cut corners. The answer was price. These plans are designed to give the consumer something if they can't afford a more comprehensive plan. It is not designed for a replacement of a more comprehensive plan unless the client is willing to take a major risk.

 My fear is that when the consumer goes on-line and doesn't know to look for the details, or if there agent doesn't take the time to expose the details, there will be some very unhappy clients!

By all means use our site to get a free quote, but please make sure that you ASK us any questions and let us guide you through your next healthcare purchase. Enjoy the technology, but please take advantage of our service.

877-835-6075 x 104

If you are between jobs, waiting for underwriting decisions, or just shopping for permanent health coverage... DON'T go uncovered! Assurant health has a very affordable option that may allow you to have coverage start as soon as TODAY! Simply "click" on the link below, follow the instructions, and you can have up to $2,000,000 of comprehensive medical coverage for as long as one year at a fraction of the cost of COBRA or standard insurance plans! Pre-existing condition limitations do apply so read the details to see if this great solution can work for you. For help or questions please feel free to call InsGuide at 877-835-6075. For long-term health coverage scroll down...

As part of the tax releif bill that was signed into law for 2007-2008, HSAs get a much deserved facelift. The already popular healthplans will become a lot easier to set up and manage for both agents and clients. Some highlights are:

• Maximum deposits: $2900 Single; $5800 Family... NOT based on deductible.
• Can set up employer match (in conjuction with 125 plan)
• Can fully fund the HSA accounts no matter when you start your qualified plan
• Self employed, and s-corp officers can have their company fund their HSA plan differently than they fund the employees of the company
• Can do a one time flex (125), or IRA roll-over to the HSA plan.

These are just some of the highlights for the 2007-2008 HSA plans. For more details on how these plans may benefit you or your company call Matt at 877-835-6075 x 104.