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Affordable Plans do Exist

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Insurance is not as out -of-reach as many think

National Association of Health Underwriters members are “America’s Benefits Specialists.” NAHU represents more than 20,000 licensed health insurance agents, brokers, consultants and benefit professionals who every day service the health insurance needs of large and small employers as well as people seeking individual health insurance coverage. To find an NAHU member to meet your insurance needs go to www.nahu.org, and click ‘search’ at the top of the page. Here are some examples where knowledge makes the difference.

Scenario #1 When Mary’s husband retired a few years early, their health insurance coverage was thrown into disarray. Although Mary was able to stay covered through a COBRA plan offered by her husband’s former employer, the coverage was only guaranteed for 18 months. At the end of that period in the fall of 2007, she had two options to gain coverage: purchase benefits through the same insurer for a price beyond her financial means or find another solution.

Searching for answers, Mary contacted a National Assn. of Health Underwriters member insurance agent who helped her.

Mary was surprised to find several coverage options that would fit her needs. Since Mary had always been healthy, she chose a plan with a high deductible and a low premium, which cost her $400 less than if she had purchased benefits from her husband’s former insurer. “When we got to the end of the COBRA, I didn’t know what we were going to do,” said Mary. “Thanks to my insurance agent we were able to find a great plan at an affordable price.”

Scenario #2 When their father’s company unexpectedly closed its doors during the fall of 2007, the children of the owner were left without health care coverage. Due to the girls’ preexisting medical conditions, their

parents struggled to find an insurance company that would cover them at a reasonable price; many calls to various resources got them nowhere. Soon, they were forced to find ways to pay on-going medical bills, and the girls were compelled to give up the activities they loved for fear that they might get injured.

Finally the parents found an NAHU member agent, who was able to step in and find the family the medical coverage they desperately needed. By putting the girls into the Idaho High Risk Pool, they were able to obtain coverage at an affordable premium and avoid any exclusion of pre-existing illness and/or injury.

Without coverage, the family would have had to incur all the costs associated with a surgery for one girl, an emergency room visit for the other and several prescription medications in early 2007. They are thankful the costs have been covered and for their insurance agent’s ‘I can fix this for you’ attitude.

Scenario #3 When Diana’s husband became ill last year, she came to a startling revelation: her husband was lucky enough to have health insurance through his employer, but because they were unable to afford the dependent premiums for their three children, if one of them fell ill, they had no health coverage to pay for the costs. Their children had been lucky enough to grow up healthy, but Diana suddenly realized how critical it was to get them medical coverage in case of an emergency.

Her NAHU member agent recommended that Diana’s children be enrolled in Idaho’s State Children’s Health Insurance Program. Within a month of applying in January 2008, all three children were covered. A short time later her eldest son wound up in the hospital with a knee injury. “It was such a relief to have insurance because they covered everything.” “Before I was afraid to take my children to the hospital for fear of what it might cost. Now, my worrying can stop.”

You can’t afford to be uninsured. Contact a member of NAHU to help you find the right coverage at the right price.

 

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Author info

Angela Oakes Angela Oakes Angela Potts-Bopp is the owner of Summit Insurance Resource Group in Sandpoint, Idaho. A former professional ice skater, her passions are providing insurance for the uninsured, creating bike paths throughout town, and running marathons.

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