Five Critical Criteria used to compare California carriers. 1. Health Plan pricing in the market. Ultimately, benefits need to be priced well relative to other similar plans on the market. Also, the plans have to make sense financially in today’s world of ever-increasing cost. Some large multi-line carriers like Principle offer extremely rich benefits that […]
Introduction To California Health Insurance In 5 Easy Pieces
Okay…so you’ve visited countless websites, received instant health insurance quotes and colorful benefit descriptions with enough small print to make you scream…WHAT DOES IT ALL MEAN (and who writes this stuff)!!! Well we didn’t write it but after years of reading it, we have boiled down the various plans to 5 key elements…and if you […]
The 1st Step Toward Consumer Driven Health Plans – Why supplemental benefits make the transition easier
Part of the reason that I initially got my insurance license, was that as a business consultant focused on change management, nearly every business owner, CFO and HR director that I spoke to asked me what I could do about the rising cost of their healthcare benefits. Up until recently, with regard to their major […]
It’s Important To Know What’s Not Insured!
Around 7 million people in the UK are covered by health insurance, the majority being covered through their employers. The problem is that few have really studied their policy documents and many misunderstand what is covered. And perhaps just as important, what isn’t. If you expect health insurance to pay all your health costs, you’re […]
Health Insurance – Is Some Better Than None?
About 50 years ago, health insurance started to be an attractive incentive offered by employers to attract and keep good employees. Overall, group plans tended to be inexpensive for employers, with employees contributing a small amount of money or none at all to secure health insurance for themselves and their families. It was more expensive […]