Family Health Insurance Expert and Author Frank Saltzburg Exposes Secrets of Obtaining Best Health Coverage at Most Affordable Price Both Off-Exchange and On-Exchange
"Beware of Online Quote Exchanges," Warns Small Business Health Insurance Specialist Frank Saltzburg and Co-Author of Forthcoming Book "Boom" with Mark Victor Hansen of "Chicken Soup for the Soul" Fame
BOCA RATON, Fla., Nov. 3, 2014 /PRNewswire/ -- Health insurance costs continue creating struggles for millions of families, individuals, and small businesses today. Families and individuals are experiencing up to 40% increases in premiums while small business owners have seen up to 100% in premium increases.
Families are asking Frank Saltzburg, an expert in individual health insurance, "How can I lower my health insurance costs yet still help my family obtain first-rate health coverage?"
"There are several strategies that will allow millions of families and small businesses to acquire excellent, affordable health coverage. Unfortunately, unless the individual or business owner does their homework using the free services of a state-licensed insurance professional, they will be unaware of these simple solutions for their families and businesses," said Saltzburg, a partner with Healthcare Solutions Team (www.ushcre.com) which helps families and small businesses lower their health care premiums and provide the most comprehensive health plans.
He offers four secrets of obtaining the best affordable health coverage:
- Always use a professional, state-licensed broker or agent who is also certified as a health care reform specialist. They are trained and educated to be aware of the best plans in the ever-changing current market, both on the private and public exchanges. It does NOT cost you any more to use a broker as major medical rates are already approved by your State Insurance Commissioner.
- Don't use a public online quote engine as your final answer. It is only a starting point, does not reflect all plan options available both publicly and privately, and may be susceptible to sensitive data breaches.
- Be aware of "public exchange" call center navigators who do not hold a state-issued health insurance license. As such, they are unaware of your options that are available through private insurers.
- Utilize the "bundle" concept to give you better coverage at a more affordable price with less out-of-pocket financial exposure.
"To further add to the confusion and frustration for families and small businesses looking for affordable health care, there has been a new influx of online insurance quote engines through the public insurance exchanges. The problem here is these public exchange quote engines will list 'bargain health plans' that typically have the smallest network of doctors and hospitals. Many people are shocked to learn their plan's network is limited to one county within their state and their doctors are not part of these networks. A recent Associated Press survey found that most cancer hospitals do not accept Obamacare," he stated.
"One other major challenge to getting the best medical insurance coverage is the increase in 'public exchange call center navigators' that, in most cases, are not state-licensed to represent Major Medical coverage. In addition, the majority of these call center exchange navigators are not even government-certified as health care reform specialists in the Affordable Care Act," Saltzburg said.
One big, ongoing concern is the deductible. "However, what everyone should really be looking at is the out-of-pocket maximum for 2015 which is $6,600 per person. This is the true financial exposure we all experience," Saltzburg indicated.
"We design our plans strategically so that the deductible and the maximum out-of-pocket exposure are no longer a major issue."
"Our plans are 'bundled' to include accidental coverage to pay up to the deductible amount and cover out-of-pocket expenses. Plus, we offer critical illness coverage to also offset the deductible and any out-of-pocket expenses. The critical illness coverage offers the ability to have a lump sum payout allowing the insured to have an extra $5,000 - $200,000 living expense money. While they are recuperating from their critical illness, they won't worry about paying daily living bills. Bundling allows the insured to have a more comprehensive plan with true peace of mind," he said.
About Frank Saltzburg
With more than 20 years of health benefits, health care reform, and financial services experience, Frank helps clients obtain the health care coverage that best solves their needs. His expertise includes designing affordable health care plans for families, individuals, and small businesses. He is a partner with Healthcare Solutions Team based in Lombard, IL and is licensed in Arizona, Florida, Pennsylvania, Oregon, Washington, Georgia, Texas, California, Alabama, Nevada, and Utah.
Frank is co-authoring book "Boom" with Mark Victor Hansen of "Chicken Soup for the Soul." He is a Certified Health Care Reform Specialist (CHRS) and speaker on the current Health Care Reform Act as it relates to families, individuals, and small businesses.
For information, go to http://www.ushcre.com.
Contact
Frank Saltzburg
561-756-8030
SOURCE Frank Saltzburg
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