Save Thousands with Better Coverage

THE TOTAL PROTECTION PLAN

Step # 1: Make sure you have a safe, high-quality major medical program in place… and that you’re are not paying a dollar more then you should.

Step # 2: INCREASE YOUR DEDUCTIBLE BY $2500. As crazy as it seems, health insurance companies, on average, will lower a typical family premium by approximately 120% of your increase in deductible!

DO THE MATH ($2500 x 120%): A $2500 increase in deductible should lower your annual payments by $3000 which frees up $250 per month that can be put to much better use, right?

DO MORE MATH ($3000 - $2500): Even in a very bad year (medically), your additional $2500 in deductible exposure is offset by your $3000 in premium reduction netting you a $500 gain! YOU CANNOT LOSE!

STEP #3: Apply a fraction of your savings of just $$47 per month for an entire family toward the purchase of a product that I have absolutely fallen in love with an accident plan that will cover your medical deductible for $100 dollars per person per accident.

Tip: Take some of your savings and invest it into the accident plan so you will never have to pay your deductible if you are hospitalized do to an accident.
STEP #4: Protect your INCOME and ASSETS in the event that you survive a serious illness but are not able to return to work!

Three IMPORTANT questions for you to carefully consider:

1. Has your financial advisor shown you a way to protect your financial health if you are diagnosed with cancer or suffer a heart attack or stroke?
2. Assuming you already have disability income insurance (most people do not and you are diagnosed with cancer, a terminal illness, need an organ transplant, or suffer a heart attack, stroke or kidney failure would you rather have to wait 90 days before receiving only 60% of your taxable monthly income, or get an up front, lump sum benefit of up to $100,000 paid directly to you, upon diagnosis, with no waiting periods, no employment or occupational restrictions, no income requirements or continuing evidence of disability?!!

1. Would you rather have a heart attack and lose your house or have a heart attack and pay off your mortgage?

CRITICAL ILLNESS INSURANCE pays living benefits to an individual upon diagnosis of cancer, heart attack, stroke, kidney failure, terminal illness, total disability, the need for an organ transplant, etc.

The key is that payment is triggered by diagnosis. Benefits are not tied to any reimbursement of expenses, like health insurance, and you can use the money in any way you choose to replace lost income, pay for experimental treatment, pay off personal debts, including mortgages and other expenses. There are NO LIMITATIONS on how the money is to be used!

The vast majority of Americans have never heard of Critical Illness Insurance because most insurance agents have not either! They prefer to sell mortgage life insurance  and yet, according to HUD, only 3% of mortgage foreclosures are the result of death and 48% are the result of a severe financial hardship caused by a serious illness!

A recent study conducted by Harvard University found that 50% of the bankruptcies in America were the result of a medical emergency and that over 75% of those folks had health insurance at the onset!

IS IT EXPENSIVE? No. It is far more expensive not to own a critical illness policy and I have still not found another insurance product that has the ability to positively impact another person’s life as quickly and completely as critical illness insurance! Period.

Remember the $250 per month ($3,000 annually) that we saved by increasing the health insurance deductible by $2,500?
Well, suppose we used $100 to invest in Critical Illness coverage for both spouses in the family on each and let’s assume that they are non-tobacco users in their early to mid 30’s. They would now each have a lump-sum cash benefit of around $70,000 paid directly to them on diagnosis, at a time they need it the most and to be used however they wish!
They would have choices that they might not otherwise have!

They would also have what I refer to as a FULLY-LOADED, TOTAL PROTECTION PLAN

Safe and affordable, permanent and portable major medical coverage with minimal out-of-pocket exposure along with much needed, and often neglected, income and asset protection all for LESS than the typical unsafe and over-priced coverage that most people settle for!

If you are interested or no someone who is interested in the Total Protection Plan please give me a call  at 866-654-3644 for your free evaluation today.

Marc Hart

626-377-8077 Local

866-654-3644 Toll Free

marc@westcoasthsaplans.com

www.westcoasthsaplans.com

7 Ways To Save on Health Insurance Premiums in California

Health insurance premiums are at a all time high they are going up at a rate of nearly 15 percent each year. So there has to be away to keep your premiums at a level that is affordable I am going to explain to you how. California has 7 companies that compete for your business and as of the date of this publication there are a lot of new plans out there that are saving people 30 to 50 percent off their health insurance premiums each month I am going to give you some tips on how to do that today.

# 1 Hire a Health Insurance Agent (Health Benefits Specialist)

There are a lot of people that sell health insurance but are not health benefits specialist they maybe your auto insurance agent that happens to sell health insurance but only shows one company make sure you hire an agent that represents a variety of companies. Whether you purchase your policy from an agent or straight from the health company itself the price of your insurance will be same they are regulated by each states insurance commissioner. Therefore by hiring an agent you are going to get an unbiased opinion of all the plans available to you in the state of California as opposed to just the carrier telling you why they are greatest and the best. I work for my clients and not the insurance companies I find my clients the best plan for their needs and budget.

# 2. Switch to a Health Savings Account (HSA) Plan

HSAs are becoming one of the most popular health insurance plans in California. The concept is simple; you pay for expenses below the deductible at a discounted rate and the carrier pays for everything after the deductible. Most HSA plans cover preventative care as a first dollar benefit which means that your deductible is waived. The savings are significant they are typically 50% less expensive then traditional plans. How much could save?

Family Traditional Plan $550 dollars a month for a family of four

HSA Plan - $250 dollars a month for a family of four

Savings of $3600 dollars a year

# 3 Choose A Higher Deductible

Most people when choosing a plan opt for the lowest deductible possible, however, you are paying for that low deductible in the way of higher premiums and coming out ahead in the end. Choosing a plan with a higher deductible can save the average family $1,500 or more. How much can you save?

Family Plan with a 500 deductible - $680

Family Plan with a 2,500 deductible - $315

Savings - $4,380

# 4 Ditch The Co-Pays

Yes, you only pay $25 when you see a doctor but the question is how much are those co-pays actually costing? There are many plans now on the market with no co-pays, however all doctor visits are still covered. You simply pay the network discounted rate, which is usually only $15 to $25 more than the co-pay. How much can you save? Here’s an example:

Family Plan with Co-pays-$425

Family Plan without Co-pays-$290

Savings-$1,620 a year!

# 5 Shop and Compare

There are at least seven (7) major health insurance companies in California each offering 12 plans or more on average. That’s over 84 plans on the market. Well to be perfectly honest there are over 250 plans to choose from in California so you have a great selection of plans. It is a big mistake to think that similar plans have similar price. One carrier could charge $500 per month for a PPO plan with a $1,000 deductible. Another carrier could charge $350 for the same exact plan. So make sure you compare carriers.

# 6 Annual Policy Review

Every year many carriers come out with new plans with lower rates. When you choose a new plan you are typically getting the lowest rates in the market and can save 30% to 60% off your current premiums.

#7 Look at plans with generic only prescription drug coverage

You can typically save 20 percent or more on your health insurance premiums by only getting health plans that have generic prescription drugs costs. So if you are healthy individual looking for coverage not on any medication this could be an alternative for you. More and more drugs now have a generic alternative so another suggestion to save money is to ask your doctor if they have a generic version of the drug you are on.
I hope you have come away learning something you didn’t already no on how to keep your health insurance premiums lower in the state of California. To get your instant online health insurance quote click here: Instant Health Quote

For more information on California Health Insurance contact us at 866-654-3644 or please visit: http://westcoasthsaplans.com or Email Marc Hart at marc@westcoasthsaplans.com.

Educating my clients on the best solutions for their health care needs is my top priority. Helping my clients make an educated decision is my number one goal. I provide personal customer service and make sure that my recommendations suit them long-term. That is why I have partnered with New Dental Choice to offer a new solution for individuals, families and employer groups seeking access to affordable dental care through a wide network of dentists. This includes saving on routine exams, x-rays and cleanings, as well as fillings, crowns, and even specialty care such as wisdom teeth extractions and root canals. You can even save money on cosmetic services such as teeth whitening and braces. Since there are no enrollment age limits, treatment waiting periods, exclusions or limitations on your savings, sign up today and start saving tomorrow.

The Benefits of New Dental Choice Membership Include:

• High Quality Services. New Dental Choice’s licensure means you’ll receive the highest consumer protections in the industry.
• Big savings. Members are entitled to pre-negotiated discounts on ALL dental procedures. There are no big insurance premiums, no deductibles, no waiting periods and no limits on how much you can save.
• More choices. New Dental Choice’s plan is comprehensive and includes savings on routine care like cleanings, fillings and crowns, as well as cosmetic treatments like teeth whitening and orthodontics. It even saves you money on dental implants.
• Convenience. You and your family can receive care from any one of more than 13,000 participating dentist locations across California - for general and specialty dental care.
• There’s no red tape. Your membership is effective as soon as you receive your ID cards. There are no claim forms. There are no prior authorizations required. And there are no exclusions or limitations for pre-existing conditions.

These dental plans are a nice compliment to your existing HSA compatible plans in California. The price of these plans are: $8 a month for individuals and $10 a month for families so you can see that these dental plans are price right. For more information contact Marc Hart Insurance Services at 866-654-3644 or marc@westcoasthsaplans.com for more information on these new dental options for California residents.

Assurant Health who is a national health insurance carrier has a good quality HSA compatible health plan called a One Deductible HSA. Assurant has come out with a couple of unique options that other carriers do not offer. The first one is if you select a deductible of 3850 or 5,000 for individual and 7,500 and 10,000 for families your premium rates are locked in for 24 months.

One Deductible HSA Product Brochure

The other is a decreasing deductible where you get credits twice a year if you have not reach your deductible. You have to have a deductible of 2850 for individuals and 5700 for families to qualify and the coinsurance must be 100%.

Frequently Asked Questions about the One Decreasing Deductible

Product Brochure on One Decreasing Deductible

Assurant has just had rate reductions in a few states. Some of these states Marc Hart Insurance Services does business in. The states with reductions are Arizona and Michigan. Assurant Health has reduced its premiums by as much as 40 percent in the state of Michigan.

To get your instant quote on Assurant’s One Deductible HSA please visit our main website West Coast HSA Plans for competitive quotes from Assurant Health and other carriers in Arizona, California, Michigan, Ohio and Utah.

Which affects both Employees and Employers in the establishment, funding and administration of HSA accounts.

The IRS has clarified when an HSA account is effective: An HSA account must be funded in order to be effective and an account cannot legally exist before the effective date of the HSA qualifying plan coverage.

If HSA paperwork is received after the first day of the month, the HSA account cannot be effective any sooner than the first day of the following month. For example, your client’s HSA compatible plan coverage begins on July 1, 2008 and you submit the paperwork to the HSA bank custodian on July 10th.

An HSA account can be opened and made effective on August 1st. This means that the accountholder cannot use the HSA funds for any expense incurred prior to the effective date of the HSA bank account. Check with your HSA Bank Custodian to find out their administrative procedure to determine their definition of what constitutes having the HSA account open.

Please note that in the past, HSA Bank Custodians may have been able to retro the HSA account effective date to the start date of the HSA compatible HDHP coverage, but will no longer be able to do this based on these new regulations.

For more information on HSA Plans visit: West Coast HSA Plans

With the cost of health insurance premiums rising with double digits percentages on the monthly premiums. Providers are providing everyday care in Walmarts, grocery stores. Other doctors are competing by stating what they charge. If their is competition for your business health procedures have to go down. Everybody else competes for your business why should health insurance be any different?

With health savings account medical insurance you are in control of your healthcare you can have the doctors compete for your business because you can pick and choose where you go to get your services. Watch the below video by John Stossel Sick in America part 6.

If you would like great affordable premiums on hsa medical insurance visit West Coast HSA Plans.

High Deductible Health Plans coupled with a health savings accounts have a smaller price for the premium. What you are doing is paying an insurance premium for what insurance was designed to do the unforseen event. With your premium savings you put the money into a savings account for your everyday medical expenses, for doctor visits. The majority of high deductible hsa medical insurance plans have preventative care first dollar coverage. West Coast HSA Plans offers hsa medical insurance plans in Arizona, California, Michigan, Ohio and Utah. Here is a video from John Stossel Sick in America explaining why this might be a good option for you.

Visit West Coast HSA Plans for more information and quotes on health savings account plans in Arizona, California, Michigan, Ohio and Utah.

If are health care is broken in the United States then why do people come here from all over the world to get healthcare watch this part to see if our system really is broke?

We still have the best doctors, hospitals, equipment in the world. So take a look at why people are coming hear everyday for the health care.

To get your health insurance quotes in Arizona, California, Michigan, Utah and Ohio please visit our main website: http://www.westcoasthsaplans.com

Part 3 of a series by John Stosell Sick in America that was done on 20/20 shows you what is right and wrong about universal healthcare. You will listen to doctors in canada people who live in canada on their thoughts about what they think about universal health care.

After watching this ask yourself do you really want this in america?

What is health insurance suppose to pay for? Insurance in general is designed to pay out for the unforseen event. What do you buy insurance for? You buy insurance for the unknow and you budget for the know.

My question to you is how much would your auto insurance be if it paid for things such as brakes, oil changes? The answer is the premiums would be a lot higher.

That is what people do with their health insurance they get a cold they run to the doctor for the office visit they are paying for that office visit in their premium plus the co-pay it is built in to the price of your health insurance premiums.

I suggest a better way high deductible health insurance plans with a health savings account attached give me a call today to learn about these plans after you have watched this informative video by John Stosell which is part 2 of a 6 part series.

John Stosell of 20/20 takes on the myths of health insurance and Michael Moore about his movie “Sicko”