Health Insurance for the Self Employed Kelso WA
Company: Senior Financial Consultants, Inc
Stock Market Alternative,Wealth Management,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Hourly Financial Planning Engagements,High Yield Bank Accounts,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicaid,Retirement Planning,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accum
Title: Financial Advisor
Company: Independent Financial Group, LLC
Investment Advisor Rep: Yes
Columbia Basin College
The American College
The Academy of Financial Management
Years Experience: 24
Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Retirement Income Distribution Planning,401k Rollover From Employer,Wealth Management,Annuities,Alternative Asset Class Planning,Estate Tax Planning,Fee-Only Comprehensive Financial Planning,Mortgage Refinancing,CD Alternative,Life Insurance,Investment & Portfolio Management,Business Succession & Liquidation Planning,Asset Protection Strategies & Planning,IRA, 401k, Roth IRA, QDRO Rollovers
Health Insurance for the Self Employed
Health Insurance for the Self Employed
Are you self-employed? Welcome to the world of entrepreneurs! This is one of the fastest growing areas of today's job market.
While it has advantages to be your own boss, it also has disadvantages. One of those disadvantages can be trying to negotiate individual policies for your health and dental coverage.
pare, save and apply online. Quick quotes from multiple carriers. healthprices.com Breaking Healthcare News! National healthcare discount plan available now for under $3 a day americans4healthcare.net
Except, you might not have to do that.
One of your best options is to join a group or association of self-employed people or professionals in your area. These groups often have access to health and dental plans on a group basis that can reduce your premiums, while giving you the kind of insurance you want.
If you can get your insurance through a professional group or association, it could save you a lot of money on your premiums and you are likely to be able to afford better coverage.
Still, always shop around! Talk to representatives of more than one organization. Speak to other self-employed people in your area. Do they belong to any local professional groups or associations? Do they have medical or dental coverage through these groups? Find out what kind of benefit's they receive and, if possible, talk about the costs. If you are speaking to another self-employed person, be sure to ask them if they are happy with the kind of health or dental coverage they have. Don't forget to ask how long they've had this coverage. Sometimes problems only arise with an insurer over time.
Here are some other things to do on your way to finding the right insurance for you:
- Check with your State Department of Insurance and make sure the insurance company you are considering is licensed in your state.
- Check the complaint index that most State Insurance Departments compile.
- If you decide to sign up for coverage, READ THE PROPOSED POLICY FIRST! Read the Policy and Outline of Coverage word for word and ask questions if it does not make sense. Hopefully, the agent who calls on you will be ethical and knowledgeable. However, you have to be prepared that the agent may not be working in your interest.
Washington State Mandated Health Insurance Coverage
Medical insurance benefits that insurers must provide include: acupuncturist, AIDS/HIV testing/vaccine, alcohol/substance abuse, anti-psychotic drugs, audiologist, birthing center/midwife, breast reconstruction, cervical cancer/HPV screening, chiropodist, chiropractor, cleft lip and palate, colorectal cancer screeing, contraceptives, dental anesthesia, dentist, denturist, dependent coverage (including newborns, adopted children, dependent students/adults, disabled dependent adults, domestic partners, civil unions), diabetes self-management and supplies, emergency room service, facility (public or other), home health care, hospice care, HPV vaccine, licensed health professional, mammography, massage therapist, maternity (including minimum stay), mental health, naturopath, neurodevelopment therapy, nurse (including midwife, practitioner, anesthetist), off-label drug use, optometrist, orally administered anticancer medication, osteopath (D.O.), physical therapist, physician assistant, PKU/metabolic disorder, podiatrist, port wine stain elimination, prescription drugs, prostate cancer screening, psychologist, second surgical opinion, speech therapist, TMJ disorder