Health Insurance for the Self Employed Wheeling WV
Title: Investment Advisor Representative
Company: Retirement Solutions
Investment Advisor Rep: Yes
Marshall University/MS 1994
Long-Term Health Care Planning,Planning For Personal Finances & Budgeting,Asset Protection Strategies & Planning,IRA, 401k, Roth IRA, QDRO Rollovers,Wealth Management,Life Insurance,Investment & Portfolio Management,Annuity Ideas & Strategy Planning,Retirement Income Accumulation Planning,Fee-Only Comprehensive Financial Planning,401k Rollover From Employer,CD Alternative,Health Care Insurance,Retirement Planning,Investment Consulting & Allocation Design,Retirement Income Distribution Planning,H
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.
West Virginia State Mandated Health Insurance Coverage
Medical insurance benefits that insurers must provide include: AIDS/HIV testing/vaccine, alcohol/substance abuse, autism spectrum disorder, breast reconstruction, cervical cancer/HPV screening, chiropractor, clinical trial (cancer), colorectal cancer screening, contraceptives, dental anesthesia, dependent coverage (including newborns, adopted children, grandchildren, dependent students/adults, domestic partners, civil unions), diabetic supplies, emergency room service, facility (public or other), infertility services, in vitro fertilization, long term care, mammography, mastectomy minimum stay, maternity minimum stay, mental health, newborn hearing screening, nurse (midwife, practitioner, psychiatric), optometrist, osteopath (D.O.), podiatrist, prostate cancer screening, rehabilitation service, second surgical opinion, TMJ disorder, well child care