HSAs Bring Additional Health Care Savings
Now that your paying for you're health care services with your HSA and your money, ask for a discount. One of the major problems with health care in this country today is paperwork and forms. When you are paying with insurance or other type product, your doctor or health care provider must fill out forms. After they fill out the forms and send them in, then they still have to wait 60 to 90 days, and sometimes even longer, to get paid. So of course they will give you a discount of 20% to 30% to get paid when the goods or services are provided.But don't be fooled.
This is their true cost. The forms and the costs for waiting to be paid are built into their higher fees. These costs are passed on to the insurance company, and then to you. Payment right away deserves a discount. Here is an email from Donna of MVP Insurance, giving a recent example.
We hope all agents go the extra mile for their customers like Donna.Healthcare cost will only be reduced by consumer involvement.
Just yesterday one of my clients called and asked me to help her understand a bill from an emergency room visit. After reviewing the bill the insurance company had promptly paid the amount over the client's deductible. Being a high deductible plan the client still owed a large some of money.
I called the hospital (in Florida) and they agreed to accept 25% of what they were charging my client.
Having an HSA further reduces her expense, because the expense is also tax deductible.
The short of it. Within 5 minutes the $2600 bill was reduced to $700 and at her 25% tax bracket her total expense is $575.00. A 77% savings.
Truly amazing.Just as price is important when purchasing your HSA insurance it is also important when choosing where to open your HSA account.
Just because your insurance company offers a plan doesn't mean you have to take it. Some have fees as high as $80 a year, with added charges for using checks or debit cards. You are allowed to open your HSA with any HSA provider you wish. You are not obligated to use your insurance providers plan.About HSA Trustee Services HSA Trustee Services has been opening HSAs for individuals, families and groups since the inception of the HSA program in January. hsa Trustee Services was the first TPA to offer the "no monthly fee" HSA, and also gives each member a free discount prescription drug card.
hsa Trustee Services also offers bank and credit union HSA set-up so more Americans nationwide can take advantage of this program. If you would like more information on this program or the other benefits of using hsa Trustee Services, please call 866-hsa-2010. HSA Trustee Services, helping to keep the savings in the Health Savings Account..
Insurance Leader Michael R. Slade Takes Worksite Benefit Communications High-tech with NaviTech
Atlanta (ContentDesk via ContentDesk Direct) June 29, 2006 -- As the pioneer of the insurance industrys innovation of benefit communication to employees at the worksite, Michael R. Slade, CLU, turned to technology, taking this concept one step further with the introduction of his new company, NaviTech, Inc.
???? NaviTech, formerly SouthCorp HR Services, has developed one-of-a-kind tools, through The NavigatorTM software, designed to take advantage of professional technology and deliver customized benefit information and enrollment options through visual, verbal and interactive education. NaviTech is the first company to offer an easy-to-use, cost-effective technology solution to fill the education...
Insurance > Insurance Leader Michael R. Slade Takes Worksite Benefit Communications High-tech with NaviTech
Continental Warranty's Consumer-Direct Extended Auto Warranty Service Offers Comprehensive Coverage at Wholesale Prices
(ContentDesk via ContentDesk Direct) July 18, 2006 -- Continental Warranty, one of the nations leading consumer-direct warranty companies, offers comprehensive extended auto warranty coverage for new and used vehicles at wholesale prices. By maintaining a large network of reputable insurance underwriters, Continental Warranty is able to cut out the middleman and sell extended auto warranty policies directly to consumers at tremendous savings over dealerships.For consumers looking to protect the longevity and mechanical soundness of their vehicle, purchasing an extended auto warranty is one of the best investments they can make. Unlike manufacturer warranties, which can only provide coverage for the first few years of the cars life,...
Continental Warranty's Consumer-Direct Extended Auto Warranty Service Offers Comprehensive Coverage at Wholesale Prices
Insurance > Continental Warranty's Consumer-Direct Extended Auto Warranty Service Offers Comprehensive Coverage at Wholesale Prices
A Different Light Shed on the Insurance Industry
There's a relatively unknown market in the insurance industry that consumers need to know about.
This is a market where a single agent can offer you multiple choices from multiple companies.
This is the independent insurance agency market.When you have an independent agent (IA) who you know and trust, you shouldn't have to find a new agent again.
As an IA you have the ability to "shop" a customer with numerous insurance companies, finding them the best rate and coverage, so they don't have to.
Imagine what happens the next time the renewal comes on your insurance and the premium is suddenly $500 higher than it was before.
With an IA, all you need to do is call.
They have the ability to try and find a similar policy with another company; you haven't changed agents, given personal information to strangers, or gone through the monotonous task of shopping your insurance.
Instead, you left it to an expert.Depending on the size...
Insurance > A Different Light Shed on the Insurance Industry
New Book "412(i) Defined Benefit Pension Plans" by Nick Paleveda MBA J.D. LL.M to be Released October 15, 2005
(ContentDesk) August 25, 2005 -- The first book ever published on 412(i) plans is being released October 15, 2005. What is a 412(i) plan? If you know what a 401(k) plan is, the 412(i) plan is the defined benefit version of the 401(k) plan. This plan is meant for the baby boomers who have not saved enough for retirement. Congress in passing EGTRRA in 2001 has put the benefits back into defined benefit plans. These plans were widely used from 1974-1987 and now they are back.
A participant who is usually a doctor or a dentist or a small businessman can save large amounts of money in a guaranteed account for retirement. The funds are tax deductible by the corporation and not included in his or her income tax. The funds are placed into guaranteed annuity and guaranteed life insurance contracts. These contracts usually guarantee a minimum interest rate of 3% but no cap on the maximum and it can be as high as 7-8%. The tax savings alone can mean a 35% savings on your retirement funds!...
New Book "412(i) Defined Benefit Pension Plans" by Nick Paleveda MBA J.D. LL.M to be Released October 15, 2005
Insurance > New Book "412(i) Defined Benefit Pension Plans" by Nick Paleveda MBA J.D. LL.M to be Released October 15, 2005
New Medical Center Opening in Illinois
A new medical center is openign in November. National Healthcare Center offersmedical and insurance in one. Considered the Next Generation in Healthcare, NHC features both regular medical care and holistic medicine under one roof. The insurance covers both. Three insurance programs instead of one are offered to patients.
You pick the best plan for you. You control your medical coverage expenses.Not a savings or discount plan but actual medical coverage. You are covered even if you do not come to the National Healthcare Center. You are covered everywhere you go. Also new, a prescription card that includes vitamins, supplements, and herbs!Open FREE membership until November 30th.Receive 100 shares of stock in National Healthcare Center per household.Featured programs include:...Online psychologist-unlimited therapy access-marriage, family, life consulting....Skin cancer screening-be prepared and know how to prevent and handle skin cancer....Breast cancer screening-BSE (breast self...
New Medical Center Opening in Illinois
Insurance > New Medical Center Opening in Illinois
New Book "412(i) Defined Benefit Pension Plans" by Nick Paleveda MBA J.D. LL.M to be Released October 15, 2005
(ContentDesk) August 25, 2005 -- The first book ever published on 412(i) plans is being released October 15, 2005. What is a 412(i) plan? If you know what a 401(k) plan is, the 412(i) plan is the defined benefit version of the 401(k) plan. This plan is meant for the baby boomers who have not saved enough for retirement. Congress in passing EGTRRA in 2001 has put the benefits back into defined benefit plans. These plans were widely used from 1974-1987 and now they are back.
A participant who is usually a doctor or a dentist or a small businessman can save large amounts of money in a guaranteed account for retirement. The funds are tax deductible by the corporation and not included in his or her income tax. The funds are placed into guaranteed annuity and guaranteed life insurance contracts. These contracts usually guarantee a minimum interest rate of 3% but no cap on the maximum and it can be as high as 7-8%. The tax savings alone can mean a 35% savings on your retirement funds!...
New Book "412(i) Defined Benefit Pension Plans" by Nick Paleveda MBA J.D. LL.M to be Released October 15, 2005
Insurance > New Book "412(i) Defined Benefit Pension Plans" by Nick Paleveda MBA J.D. LL.M to be Released October 15, 2005
Insurance Agents: Separate yourselves from the crowd
In today's world of direct writers, internet quotes and discount insurance companies, it is easy to get lost in the hustle and bustle of being an insurance agent. We insurance agents, while not quite threatened by extinction, are becoming nothing more than glorified order takers.Warren Buffet says that insurance is a commodity and price is the main factor in the market place. It seems that nowadays, lowest price wins, regardless of the other factors. More and more people are turning to direct writers because they believe that 15 minutes and a catchy commercial with a dancing lizard can save them some money. Forget the relationship, forget being able to actually see your insurance agent and forget you if you are $0.01 higher than the "other" guy.So how do we as insurance agents take a stand and be able take back some of our customers? How do we improve our close ratio? How do we change our customers' attitudes about price to the point that leaving you for a few dollars will never cross...
Insurance Agents: Separate yourselves from the crowd
Insurance > Insurance Agents: Separate yourselves from the crowd
New Medical Center Opening in Illinois
A new medical center is openign in November. National Healthcare Center offersmedical and insurance in one. Considered the Next Generation in Healthcare, NHC features both regular medical care and holistic medicine under one roof. The insurance covers both. Three insurance programs instead of one are offered to patients.
You pick the best plan for you. You control your medical coverage expenses.Not a savings or discount plan but actual medical coverage. You are covered even if you do not come to the National Healthcare Center. You are covered everywhere you go. Also new, a prescription card that includes vitamins, supplements, and herbs!Open FREE membership until November 30th.Receive 100 shares of stock in National Healthcare Center per household.Featured programs include:...Online psychologist-unlimited therapy access-marriage, family, life consulting....Skin cancer screening-be prepared and know how to prevent and handle skin cancer....Breast cancer screening-BSE (breast self...
New Medical Center Opening in Illinois
Insurance > New Medical Center Opening in Illinois
Insurance toyo tires HSAs Bring Additional Health Care Savings
Habitat for Humanity?s Cars for Homes Program Steers Families Toward Local Affordable Housing
AMERICUS, GA (ContentDesk) August 1, 2005 -? Steering more low-income families toward local affordable homeownership opportunities, Habitat for Humanity is launching its nationwide "Cars for Homes?" vehicle donation program. Cars for Homes? takes donated cars, trucks, boats, motorcycles, RVs and other vehicles and sells them through automobile auctions, recyclers or salvage yards to raise funds that help build simple, decent homes. Funds generated from vehicle sales benefit the local Habitat...
used cars Insurance Habitat for Humanity?s Cars for Homes Program Steers Families Toward Local Affordable Housing HSAs Bring Additional Health Care Savings
Insurance > Habitat for Humanity?s Cars for Homes Program Steers Families Toward Local Affordable Housing
Attention: Locating Financing For Your Commercial Real Estate Projects Just Got Easier! Edwin Carroll Investments LLC "Your Partner for Commercial Real Estate Financing Solutions"
(ContentDesk) May 20, 2004 -- Attention Business Owners, Real Estate Investors, Business Brokers And Entrepreneurs!" Locating Financing For Your Projects Just Got Easier! Don't place your financing request in the hands of hundreds of strangers. You have no idea where your information may end up. Maybe in the hands of a competitor! Now you can screen Lenders rather than being screened by them! Reverse the script! Would you like to submit your funding request to our data base of investors, private...
Insurance Attention: Locating Financing For Your Commercial Real Estate Projects Just Got Easier! Edwin Carroll Investments LLC "Your Partner for Commercial Real Estate Financing Solutions"
Insurance > Attention: Locating Financing For Your Commercial Real Estate Projects Just Got Easier! Edwin Carroll Investments LLC "Your Partner for Commercial Real Estate Financing Solutions"
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