Gather Little by Little

Insurance. Every time this word is heard, we frown; we get sceptical. We all know someone who has a “story about an insurance salesman. Since it is a commission based environment (if they don’t sell, they don’t get paid), many clowns become desperate and turn into i-want-to-make-a-quick-sale insurance agents. They hijack your emotions (look your wife and kids in the eyes and tell them how much you love them”¦ don’t you think they deserve financial security when you pass away?).

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With increasing budget restraints, I have been struggling with health insurance premiums just like many others in the current economic situation. However, being in the business, I am considering some options to lower my rates while making sure I still have the best coverage when I need it.

Although it is more difficult, it is still possible to find affordable health insurance, you just have to know what to look for! As you probably know, your rates for individual health insurance will depend upon many factors. We need to examine these to determine what we can control.

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Photo by ppdigital

The end of the year is coming up soon, and if you have a balance remaining in your Flexible Spending Account, you need to spend it by December 31st or you’ll loose the remaining balance. Here are a just a few ways to spend that money!

Get a Physical

Most health insurance plans pay for one yearly physical but it never hurts to get more than one especially if your other one was early in the year. Use your Flexible Spending Account balance to pay for that extra physical.

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On July 1, 2007 new rules for the Health Insurance Portability and Accountability Act (HIPPA) went into effect. These new rules provide additional clarity around how employers can reward or penalize employees based a specific health results.

Clarian Health Partners Inc. was among the first companies to take advantage of these new rules. I first read about Clarian’s changes in an article published by MoneyNing. Since then further details have been announced and along with them a tremendous amount of controversy and discussion on the web.

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Let’s face the facts, bad things happen and usually unexpectedly. Regardless of your age and how healthy you think you are, accidents and sudden illness can happen to anyone. Various studies show that medical debt is one of the leading causes of financial chaos and turns out to be one of the main reasons people file for bankruptcy.

With statistics like this, it may surprise you that 18 million people ages 18-34 don’t have health insurance. Why so high? Well, people in this age category are finishing school, or between jobs, or new to their jobs and don’t yet quality for heath benefits, or work for small companies that don’t offer health benefits. These people could purchase their own insurance, but it can be expensive especially for someone just graduating or in a new job.

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James 1:12 – “Blessed is the man who perseveres under trial, because when he has stood the test, he will receive the crown of life that God has promised to those who love him.”

Update: 10/9/2007 – This post is dedicated to “Rich”. “Rich” passed away on September 26th. He was surrounded by his family when he took his last breath. He is dearly missed here at work, and my only wish is I had gotten to know him better.

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