Post Healthcare Reform ….there maybe more questions and confusion about health insurance than ever before, right?!

Healthcare reform brings several advantages for the consumers and they should consider switching to
the “new” health insurance, rather than staying grandfathered in the old plans.

As a result of the Patient Protection and Affordable Care Act of 2010, individual health insurance is now
enhanced with preventative benefits covered with no waiting periods, not being subject to deductibles
or coinsurance and copays. There is no more lifetime maximum dollar limit that in the past caused people to run out of insurance coverage and few other advantages that benefits the consumers greatly.

However, the cost of health insurance is still on the rise and many people responsible for buying their
own health insurance find that conventional plans with low deductibles are simply too expensive.

Selecting a higher deductible plan provides premium savings and combining it with Health Savings
Account can add tax advantages. Of course, having a little extra protection with Accident Rider gives
more peace in mind, since people usually encounter a huge hospital bill due to an accident. One slip
in the bathroom can be a setback of thousands of dollars that can be easily prevented with having
additional, very affordable accidental coverage.

One of the most important things people should consider, besides getting the new major medical plan,
is getting coverage for critical illness. Sure the great new health insurance will pay the doctors and the
hospital, but who is going to pay you, when you are recovering from a heart attack for three months?
Your health insurance will definitely not cover you mortgage payments, but very inexpensive critical
illness policy can provide you with a check, keeping you afloat, while you recover.

* 50.35% of personal bankruptcies were caused by illness or medical debts

* $13,460 was the average out-of-pocket medical expenses covering co-pays, deductibles and
uncovered health services for bankruptcy filers

Remember, insurance is for catastrophic events that you cannot afford to pay yourself, not to simply
cover your routine costs as generally healthy person. You wouldn’t expect your car insurance to pay for
your oil change, would you?


Let me help you find a plan, that is right for you. 
The internet has made shopping for insurance easier. Instead of driving around town to meet with an agent, you can compare rates, benefits, and apply online. Some insurance companies even let you apply right from their website.

Does it still make sense to have an agent help you choose a plan? You bet.

Agents are insurance experts. It’s their job to help you shop plans from leading carriers so you can be confident you’ve found the best rates and benefits for you.

We have  access to exclusive, proprietary products at prices you can afford.  I  have access to benefits through world class companies such as: Aetna , United Healthcare, Humana , Assurant , Blue Cross and Blue Shield , Mutual of Omaha.  We have “a plan for everyone” and we will help you get the best coverage and rates possible!     CALL Me, LENKA  @   630-748-8434