Don’t Waste Your Money on Health Coverage You Don’t Need and Other Tips From the Health Insurance Savant

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Health coverage costs for the self-employed and small businesses have skyrocketed over the past few years as insurance companies continue to drop out of the “Obamacare” health insurance markets. “I speak to many small businesses and entrepreneurs. Budget is always an issue. The number one complaint is the cost of health insurance,” said Kenneth Wright, The Health Insurance Savant.

REDUCING HEALTHCARE COSTS PROVIDES A COMPETITIVE ADVANTAGE

The healthcare landscape is complicated. Having a trusted advisor to find the right solution for a business is critical in this competitive marketplace where limiting expenses is crucial to business success, if not, survival. The Health Insurance Savant plays such a role for many entrepreneurs and small businesses. “Offering healthcare in a small business environment provides a competitive advantage in attracting and retaining employees. I can find plans that can work for any workplace budget,” says Wright.

THE RIGHT HEALTH COVERAGE MAY BE THE ONE YOU ALREADY HAVE

The Health Insurance Savant reviews coverage for anyone that feels they may be paying too much for health coverage or would like to explore other options. There are dozens of plans available each with different co-pays, deductibles and coinsurances. What is appropriate for someone may not be appropriate for the next person. Healthcare is not a “one size fits all” enterprise. After consultation on which type of plan the client wants, Wright will provide options. Sometimes the right plan for the client is the plan they already have.

PAY ONLY FOR WHAT YOU NEED WITH NO DEDUCTIBLES NOR CO-PAYS

One of the reasons health coverage is expensive is it covers expensive services. What if a business didn’t want/need certain coverages? Wouldn’t it be nice be able to pay only for coverage wanted? A business can. There are also plans with limited coverages, for example, excluding drug and alcohol rehab. There are also plans with no deductible nor co-pays. “The Health coverage landscape is complicated. It’s not rocket science but can seem as complicated. And if you have the wrong plan it can be expensive,” says Wright.

WELLNESS PROGRAM THAT MAY PUT MONEY INTO YOUR POCKET

More and more businesses are realizing spending money on wellness makes sense. Making sure an employee is healthy can save healthcare costs down the road. And there are plans out there that provide a fixed benefit (payment) for wellness services. If the service received costs less than the benefit, a check for the balance is mailed to the insured.

The Health Insurance Savant helps individuals, families, the self-employed and small businesses find the right coverage at the right price. And maybe even put money into your pocket. If you have any questions about your health coverage or health insurance in general, call 917-710-2453 or email kennethwright@ thehealthinsurancesavant.com


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