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Business Health Insurance Expert Frank Saltzburg Exposes Secrets of Obtaining Best Health Coverage at Most Affordable Price

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Posted: Tuesday, July 8, 2014 8:56 am





Business Health Insurance Expert Frank Saltzburg Exposes Secrets of

Obtaining Best Health Coverage at Most Affordable Price

BOCA RATON, Fla., July 8, 2014 /PRNewswire/ -- Health insurance costs

are creating struggles for millions of business owners, families, and

individuals today. Within many companies, from small to large, the

cost of supplying employees health insurance coverage has become so

expensive between 80% - 90% of businesses are expected to eliminate

their group health plans over the next eight years.

Business owners always ask Frank Saltzburg, an expert in group health

insurance, "How can I lower my health insurance costs yet still help

my employees obtain first-rate health coverage?"

"There are several strategies that will allow millions of business

owners and families to acquire excellent, affordable health coverage.

Unfortunately, unless the business owner does their homework with a

state-licensed insurance professional holding a Certified Health Care

Reform Specialist designation, they will be unaware of these simple

solutions for their businesses and families," said Saltzburg, a

partner with Healthcare Solutions Team, LLC ( which

helps businesses lower their health care premiums and provide the most

comprehensive health plans.

He offers four secrets of obtaining the best affordable health


Always use a professional, state-licensed broker or agent who is 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 in 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 and is susceptible to data breaches leading to identity theft.

Be aware of "public exchange" call center navigators who do not hold a state-issued health insurance license.

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 businesses and

families 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 average deductible today is estimated

at $5,000. "However, what everyone should really be looking at is the

out-of-pocket maximum per calendar year. 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. According

to industry analysts, about 80% of hospitalizations occur due to

accidents. Up to 18% of hospitalizations happen due to critical

illnesses such as heart attacks, cancer, stroke, kidney failure,

severe burns, loss of limbs, blindness, deafness, and coma," he


"We 'bundle' our plans 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 of living expense money. While people 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 business owners, families,

and individuals. He is a partner with Healthcare Solutions Team, LLC

and is licensed in Arizona, Florida, Pennsylvania, Oregon, Washington,

Georgia, Texas, California, Alabama and Nevada. He is also a Certified

Health Care Reform Specialist (CHCRS) and speaker on the current

Health Care Reform Act as it relates to businesses, families and


For information, go to

SOURCE Frank Saltzburg

-0- 07/08/2014

/CONTACT: Media: Frank Saltzburg, 561-756-8030,

/Web Site:

CO: Frank Saltzburg; Healthcare Solutions Team, LLC

ST: Florida



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