Posted February 10th, 2014, in Cancer Insurance, Dental Insurance, Diabetes, Health Insurance, Medicare, News, Obesity Insurance, Preexisting Conditions by Frank Mossucco
With the Affordable Care Act in full swing; consumers are now realizing that most of the Qualified Health Plans (QHP) found on the public exchanges are costly and have high deductibles. A recent article in the Wall Street Journal noted that Deductibles have increased 42% since 2013. Consumers are faced with the decision to increase their deductibles to keep the monthly health insurance premiums manageable. SASid has developed two supplement insurance productswhich brokers can use to assist consumers which can pair with their major medical insurance plans to help manage high deductibles and out of pocket costs.
Deductible Supplement Insurance: Consumers can save money by increasing their deductibles and supplementing their major medical insurance
- Supplemental cash benefits for accidents and sicknesses
- Benefits are paid regardless of other insurance
- Simple to use and smart to have
QHP Supplement Insurance: Helps fill the gaps in the Qualified Health Plans found on public and private exchanges
- First dollar coverage with fixed indemnity benefits
- Supplemental benefits for accident and sicknesses
- Benefits for physician office visits, hospital stays, surgeries, emergency visits, x-rays and more.
Consumers can save money and/or increase benefits by getting creative with their healthcare…
Posted October 28th, 2013, in Cancer Insurance, Dental Insurance, Diabetes, Eating Healthy, Health Insurance, Medicare, News, Obesity Insurance, Preexisting Conditions, Uncategorized by Frank Mossucco
VOA News original article found here:
October 26, 2013
U.S. President Barack Obama says the glitches of the Healthcare.gov website are “frustrating,” but people are working around the clock to to fix the problems.
The president said in his weekly address Saturday the fight for health care reform is not about a website, but was instead about establishing the “principle that in this country, the security of health care is not a privilege for a fortunate few, but a right for everyone.”
Obama said the site has been visited more than 20 million times and nearly 700,000 people have applied for coverage.
The president accused Republicans in Congress of spending the last few years obsessed with denying people access to health insurance.
Watch President Obama’s weekly address:
In the Republican address, Chairman of the House Energy and Commerce Committee Fred Upton said his committee will hear directly from Health and Human Services Secretary Kathleen Sebelius to find out why the so-called Obamacare website does not work, despite the investment of hundreds of millions of taxpayers dollars.
The expert the White House has hired to fix the massive problems with the website says he expects it to be running smoothly by the end of November.
Thousands of people trying to buy government mandated health insurance using the website have run into numerous problems. Some users complain of extremely long wait times while others have had their passwords rejected. Other users said they were given conflicting prices for the same health plan.
Executives of the companies who built the website told Congress Wednesday the system was not fully tested and that last-minute changes to the website contributed to the problems.
Republicans opposed to the Afrodable Care Act – commonly known as Obamacare – said the computer problems illustrated their argument the health care law is not ready.
Under the Affordable Care Act, people without private health insurance can sign up for government subsidized plans through the website. Those who fail to carry any health insurance would pay a penalty.
Posted March 7th, 2013, in Dental Insurance, Eating Healthy, News by Frank Mossucco
Most people are clear on the fact that if you want to avoid cavities and boost your oral hygiene, dental insurance is the way to go. However, when it comes to obtaining the right dental coverage, things start to get a bit more hazy. Sorting through details such as the various expenses associated with a variety of different plans can sometimes be overwhelming.
Luckily dental insurance is something everyone can have and with a little bit of understanding you can be well on your way to a beautiful smile. Let us break it down for you.
A Common Dental Plan
Most dental plans are actually not that expensive. They generally offer a maximum amount of money you can spend in a year. This maximum limit will vary but generally falls into the range of anywhere from $750 – $2,500. Along with this maximum limit is the deductible.The deductible also varies, but look for options which offer a $100 yearly deductible. That way you only have to pay a one-time fee for the entire year no matter how many times you visit the dentist.
This plan is great as well as it gives you access to a network of different dentists. Depending on your area and the insurance coverage you select, you will have access to a wide variety of dentists. Not all dentists are created equal, so it’s important to find one with whom you are comfortable.
The majority of plans will give you one or two free cleanings per year. Additionally, they may also include discounts on additional oral care such as orthodontics. No matter what your income level may be, a basic dental plan is quite affordable and will most likely cover all of your needs.
By getting your teeth cleaned on a regular basis, you are investing in your health. So, invest in yourself with good dental health insurance.
Posted February 25th, 2013, in Cancer Insurance, Dental Insurance, Diabetes, Eating Healthy, Health Insurance, Medicare, News, Obesity Insurance, Preexisting Conditions by Frank Mossucco
On February 15 it was announced that the government will officially close the Pre-Existing Condition Insurance Program (PCIP) due to the overwhelming cost and high premiums which made it difficult for people with pre-existing health conditions to afford coverage.
While the program was initially allotted $5 billion, the program has already totaled $2 billion in claims and $180 million in administrative costs. While this decision comes at a time when there is heated debate regarding health insurance and the future costs to all Americans, the government ultimately came to the conclusion that the program could not continue at this pace.
The good news is, the government is already making strides toward even better, more efficient programs that could very well change the landscape of healthcare coverage for folks with pre-existing conditions. One of these programs is the Patient Protection and Affordable Care Act of 2010 (PPACPA) which goes into effect Jan. 1, 2014. Among the advantages of this program will be lower premiums, which will allow more patients to participate, and a more efficient administrative process sure to make better use of allocated funds.
It is too early to tell where this will all lead. The health insurance industry is rapidly changing as the government shuts down programs and gets ready for new reform. As time goes on we will witness the change and see first-hand how those with pre-existing conditions are affected.
Posted February 8th, 2013, in Cancer Insurance, Dental Insurance, Diabetes, Eating Healthy, Health Insurance, News, Obesity Insurance, Preexisting Conditions by Frank Mossucco
Earlier this year, Forbes published an article claiming that insurance companies, generally speaking, were right in their bottom-line exclusion of those with pre-existing conditions. Rather than portraying insurance companies as part of the problem, which many in Washington tend to claim, author Amesh Adalja says these companies should be commended as heroic for their approach to sustainable business. Maybe so, but health insurance isn’t quite the same as paying for a warranty on your new television. You can lose a television and replace it quickly. Human life is quite the opposite.
“As part of a way to mitigate against excessive risk,” says Adalja, “insurance companies may elect to not insure an individual whom they judge possesses a high likelihood of incurring costs because of a pre-existing condition. When insurance companies are barred — by law — from considering pre-existing conditions in their evaluation of potential customers, what is being prohibited is the exercise of judgment.”
First Preferred sees this quite a bit differently. If patients are the main contributors to our business, and rightly so, then the health of our patients is our first priority. That includes customers and patients with whom we haven’t yet established a relationship. Providing coverage for pre-existing conditions has to be the single most valuable way to sustain a long and proud health insurance company. We expect to be here, on your behalf, for many more years.
Our individual and family plans are a step ahead of the competition, contact us today and speak with a representative to learn more. We offer plans for Pre-Existing Conditions, Diabetes, Obesity, and more.
Posted December 26th, 2012, in Cancer Insurance, Dental Insurance, Diabetes, Eating Healthy, Obesity Insurance, Preexisting Conditions by Frank Mossucco
Alright, so you gorged yourself yesterday. You slipped in six brownies, mangled a pumpkin pie, and popped open the box of fudge. Not only are you feeling a little guilty today, but your mouth is having its own regrets. More specifically, that cavity you’ve been ignoring now aches like nobody’s business. Time to face the facts. You need to see a dentist. And let’s be honest, you’ve needed to see one for quite a few months (ahem, years?).
Did you know that First Preferred offers great plans on affordable dental insurance? Now you know!
When you arrive at the dentist around the first few days of January, you can almost be assured that they’ll tell you there’s a cavity that needs to be filled. You wince at the thought, but you knew it was coming. Now comes the hard part: a new year’s resolution to change your diet. That’s right. Time to get serious.
But before your appointment (which we know you’ll make after reading this article getting dental insurance), we encourage you to start changing that diet early. At the very least, have an idea about how you can better the condition of your teeth and give that new dentist a good feeling that you understand something needs to change. Sodas, candies, pies, cookies, they all have to go, you’ll say (wink, wink).
Taking care of your teeth does involve a better diet, but we understand the temptations of the holidays. Stay safe, stay happy, and stay healthy as you enjoy the last few days of 2012.
Our individual and family plans are a step ahead of the competition, so contact us today and speak with a representative to learn more. We offer plans for Pre-Existing Conditions, Diabetes, Obesity, and more.