[IN] HEA HIN
TO BUSINESS EDITORS:
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 (www.ushcre.com) 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 tohttp://www.ushcre.com.
SOURCE Frank Saltzburg
/CONTACT: Media: Frank Saltzburg, 561-756-8030, email@example.com
/Web Site: http://www.ushcre.com
CO: Frank Saltzburg; Healthcare Solutions Team, LLC
IN: HEA HIN
-- PH64642 --
0000 07/08/2014 12:55:00 EDT http://www.prnewswire.com