2016 Health Care Plans: Good or Bogus?
So as before you were given the ultimatum in 15′ (unless you already decided to go with Obamacare or any other types of health care programs), but you don’t really see many people jumping for joy as some would suspect.
Ummm… Wonder why?
One major reason is obvious and that’s the cost.
With the economy struggling as it has been from unemployment, to foreclosures, and medical benefits people already given to those who have it might have noticed if their providers just happen to change-up their plan rates boosting your premium a little higher.
Let’s get real about it folks, insurance premiums can change at the drop of a hat.
If you’re really paying close attention to your insurance plan rate (as many should do I would say), you would then be able to pin point the change, the next step involves you casually walking into your living room reaching for your phone to give them a call asking exactly why.
This is where you wind up getting a payload of pointless excuses from the usual representative (on the other end of the line), trying to talk overly calm and collective to reassure you that you’ve made the right choice going under their premium plan which “supposedly” have your best regards in mind.
Well what can you say, but B.S. !!
Truth is they don’t really give a rat’s a*s about your plan, and will nicely try to dumb you down to a false sense of reality that has absolutely nothing to do with you or your garnished paycheck (or what they garnish out) you work so hard for each week.
They see you like a hungry car salesmen with the “lazer-like” radar focus on you and your piggy bank (the piggy bank is there in spirit, it’s just not present at the moment).
With all the fast talking they are going to probably do, if you’re not one to step in and tell them something like…
“Woah, woah, WOAH, how much is this going to cost?”
“And why in the h**l are you guys raising you’re rates without consulting me or anyone else that went under this plan?”
If you start to see them tug a bit at the collar, then you’re doing a good job because they’re starting to sweat.
Unless you luck out on a health-care plan that stay within the bounds, not adding any extra premiums to the mix then you’re good to go (but are the chances in that).
On the other hand, if you’re partnered up with a shyster type insurance dealer, then you should do an abrupt 180° degree turn and run away in the opposite direction because you’re blindly getting played for a sucker.
The term “insurance premium” may sound fancy, but it’s used to trip people up when a agents pitching a company’s plan to you.
They might run down time frames you can pay through your plan, it could be a monthly plan fee, a six month pay fee, or even an annual fee option could be presented to you.
Various options sound really great, but the ultimatum behind it could really suck!
In this case, the rate of pay is the focus.
So for this year that’s brand new starting off, will premium plans suit your pocket book?
Will any cost hikes be kept at bay?
Or will you have to swallow your pride, breaking sown to pay for a ridiculously high premium you didn’t attend to be obligated to pay in the first place.
Honestly, it could go either way.
it just depends on what you’re health care provider has in store for you.
For this year organizations such as Blue Cross & Blue Shield, are looking to stick it to consumers.
The hikes talk comes down from an executive of the health care giant, possible hikes might be noticed by consumers some time around May.
One of the reason for possible cost hikes is largely due to the lack of enrollees who have not signed up for health-care insurance coverage, the targeted group of focus falls among the American youth.
This is where laws and provisions will come into play to enforce compliance, the major for fewer young participants basically comes down to age. Younger people tend to stay away from medical coverage programs to avoid high costs, same time they put themselves in a situation where they will need health-care insurance at some point or another.
So this really implies to the old saying which goes like this…
“Sooner or later it will catch up with you..”
Which is true, because you never know when you might face some type of illness, or need to be schedule to see your health-care provider for an important routine check-up.
They have to understand another factor that will cause insurance plans to raise in costs, and that’s due to amount of people who aren’t signing up under a health care plan.
So basically if health care providers have multiple coverage plans, but have a low amount of enrollees who haven’t signed up for under these programs let’s say in 2015 of last year.
Well the cost will elevate for those who already have insurance under that particular provider, the downside however is that they are stuck with higher premiums because of the additional programs running under the plan itself.
This is why laws are now being pushed in place to force younger individuals to sign up, this of course will help to balance the cost thus lower the premiums for the insurance coverage for participants who are already signed up for the service provided.
In 2016 things are going to get interesting indeed, higher costs may also include hikes on coverage expansion of health care services, rising costs of prescription drugs, added expenses driving up premiums, and let’s not leave out the added stress and pressure from taxation laws put in place to keep the mass public under the rule of thumb (like putting a mind-control collar around your neck making sure you’re compelled to follow along without question).
In times of now everything seems to have an hidden agenda, health insurance companies are part of this agenda, just like the banks, politics, yea they go hand-in-hand, but you do have freedom of choice (to a degree).
Things to Consider for Cutting Future Costs:
- Many may not wonder about it now, but focus on how much you should save for future health-care costs.
- Working for an employer automatically puts you in line for a health-care package (that’s if you’re employer offers health-care packages), chances are you’re employer cuts the bulk cost of your premium. The premiums you are left to pay are deducted from your paycheck, so this leaves you with the unwanted options of co-payments, or deductibles out-of-pocket costs.
- Even up into your retirement the cost hikes doesn’t stop there, people may not realize that they’re premiums will take a drastic turn putting more responsibilities on you to pay higher costs.
- So say if you’re a senior that’s under the Medicare health-care program, you might receive half of the coverage plan however you are still liable for paying premium plans under Medicare (Medicare is broken into plans B & D). So you’ve guessed right that you will be paying for these separate parts of the premium which may include you visits to the doctor, tests that you will undergo, and prescription medicine.
- Bottom-line saving more (putting aside for health-care needs is vital) is very important, as you get older approaching you’re retirement you will need to options in you’re favor to ensure for proper medical coverage when the time comes.
Even though the majority of the youth in America don’t think about health-care coverage now, doesn’t mean you won’t be slapped in the face by it later down the line.
Just do a little research and pick out a credible health-care plan service to go under, it’s for your benefit and hence heavy on the research part because there are companies who will try to cheat you in a heartbeat!
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