Posts by Author - Rene

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Bipartisan Health Care Negotiations Being Televised; Why now Mr. President?

Wednesday, February 24th, 2010

Seriously, I am asking!

You campaigned on doing this from day one. It took the Massachusetts election of Senator Scott Brown to force you to actually do this.
Even though you tried your hardest for an entire year to ram through into law a complete and thorough government take over of the health care and the health insurance industries; under a complete partisan approach and you had no problem with this.

Now you want to inject “bipartisan” into the mold. Are you serious, this must be a joke. The problem is that the joke you’re playing is on us the American people.

What happened last year, the bill itself, the process, the backroom negotiations, it was all you and you alone. You created that environment, the ideology, the dirty process. You were behind it all.

Sure, anyone that disagreed with you was just wrong, right?

Why now?

Are you being deceitful, playing games, or just trying to have it your way.

You continue to disregard and ignore the pulse of the American people. They have spoken, and yes, loud and clear.

This token gesture will further anger constituents across the land. It is after all just that, a ploy, a gimmick to try and sway public opinion.

Well, we are not buying it. We see right through your agenda and we don’t like it.

Please Mr. President, stay out of our healthcare and health insurance.

Focus on reducing the growing deficit, helping small businesses, and national defense.

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Affordable Health Insurance Blocked by State Limits on Coverage

Tuesday, February 23rd, 2010

Today more than ever, we should open up state limits on providing coverage for everyone. The reason for this is that today with the access to never ending information we can get health insurance quotes from many different websites, carriers, and types of coverage. All of this pretty much instantaneously. This makes shopping for health insurance a lot easier. The issue is we need more competitors for different parts of the country. Therefore, allowing carriers to compete across state lines would affect pricing. The results would be lower costs to us by more competition from the carriers.

There are parts of our country that some carriers dominate and to an extent almost monopolize. There is not enough competition in those areas, we need to increase this. We need to make it easier for carriers to compete.

There are many things states can do by working together that do not need the federal government. This being one of them; it seems simple enough but it is today a roadblock to more affordable health insurance.

We must also keep in mind that in a free society affordable health insurance means something different for all of us. It does; what you think of as affordable health insurance may not be the same to someone else. Even though both may have the same income, age, dependents, etc. It may just simply be that to you, health insurance is more important than taking a vacation to Canada. Whereby your counterpart may think that going to vacation in Canada is more important, therefore they cant afford health insurance.

Who’s decision is that to make?
Should we make health insurance a requirement?
What is affordable health insurance?

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Top 3 Concerns When Shopping For Health Insurance Online

Tuesday, February 23rd, 2010

Shopping for health insurance has become a very competitive business with hundreds, if not thousands of websites promoting themselves online.
Some of these are carriers themselves or captive agents. Others are online health insurance agencies or agents. Still others are just procuring prospects in order to sell this information to others that sell insurance.

There’s a maze of confusion between carriers, agents, prospectors, and others.
It really can be confusing and more so very frustrating when going through the process.

  1. Choose Websites Carefully
    • It is easy to just enter into a website that promotes health insurance and provide your basic information in order to get an affordable health insurance quote. The problem is that unless you are certain of what the website does with your information, you could be asking for trouble.Your information could be sold to anyone willing to pay for it. Then, you’ll start getting phone calls from someone you don’t know, selling you who knows what, without you even knowing if they are even licensed to sell health insurance.
  2. Get Quotes From Different Carriers
    • Don’t be pushed into just any carrier without first weighing in other options. Take the time and go through the exercise. Compare and review.
  3. Understand the Underwriting Process
    • Find out about the carrier you are applying for and their underwriting criteria. You don’t want to apply and be rejected for coverage. This can exclude you from getting coverage from another carrier.
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