Showing posts with label Health Insurance Maze. Show all posts
Showing posts with label Health Insurance Maze. Show all posts

Thursday, December 19, 2013

Why MNsure May Not Be the Best Healthcare Option


It is important to understand your healthcare plan and what changes may affect you in the coming months. MNsure is a local healthcare reform plan that is intended to help Minnesotans but is proving it may not be the most reliable option. Buying privately can be a safer option when choosing healthcare and it is not always as expensive as one would think. With a resource like Dave Toeben at Insight Insurance Services you will be better able to find a private plan that is inexpensive and encompasses all of your healthcare needs. Take a look at this testimonial from a couple who were experiencing healthcare confusion:
"When my husband and I received our health insurance rate increase of $160 per month we were frustrated! Since we already have a very high deductible, our insurance carrier has not paid out a penny for the years we have been with them. We knew it was time to search other insurance providers for a better rate. Neither of us was looking forward to the internet search and all the time it takes to provide our personal info, wait for quotes and then try and decipher what really is the best way for us to go.  
The mailing that Dave Toeben at Insight Insurance sent to us, to offer his services, was very timely. When we called him to see what he would provide, we realized he had the access, staff and knowledge to accomplish this for us. By providing some basic info to him, within a few days he had some quotes and we set up a time to discuss them. Our decision on a new carrier was made very easy. Dave saved us a lot of time by researching his network of providers and narrowing it down for us. He completed the application process and all the administrative pieces.  
I have recommended Dave to others because we find using the people who are experienced in a particular field saves us time and money." 
Dan & Karen Sauk Rapids MN
Federal healthcare plans like MNsure and the Affordable Care Act have been unstable and undergoing constant changes at such a high rate that it is almost impossible to keep up and to feel confident in our healthcare plans.

MNsure had to postpone their enrollment date which led to confusion for consumers. The Chief of MNsure just recently resigned without severance because she was unable to handle the scrutiny, changes, and confusion of her own healthcare option. With evidence like this it is clear that MNsure may be a risk that is not worth taking when shopping for a healthcare plan.

Dave Toeben, President and owner of Insight Insurance, has been a trusted resource in the St. Cloud area and has over 15 years of experience in the health insurance industry. In these confusing times it is important to have a trusted resource to call for healthcare information so that you, your loved ones, or your employees have the coverage necessary. Call Dave Toeben at Insight Insurance Services for help navigating these murky waters.


Wednesday, December 4, 2013

Why the Holidays Are the Perfect Time to Purchase Health Care


With the Affordable Care Act in the works and rolling out fully in January 2014, you may end up paying more for your current health care insurance. After all of the spending that occurs during the holidays do you really want the unwelcome surprise of a higher health care bill? I think not. That is why it is important to partner with an advisor to help you to find the best coverage for the lowest price. Here's an example of an individual who reached out for help when trying to navigate the health care maze:
"Navigating the new health insurance landscape was proving challenging for me. The exchange websites are famously and frustratingly flawed, so not a great option for me as I looked for information.  Dave was readily available, took time to understand my situation and needs, and provided a variety of options for my consideration. I enthusiastically recommend Dave and his agency to anyone trying to sort out their health insurance decisions."
Brian
St Cloud MN
If you or your loved ones do not already have health insurance the holidays are a great time to purchase coverage because a lot of health related incidents happen around the holiday season. Different types of viruses and the flu tend to spread in the winter months and good health coverage would help combat the expenses associated with doctor visits and medications. The holidays are also a time when more accidents occur. We hope that accidents can be avoided, but sometimes they just cannot and that’s why it is good to be prepared with a quality health insurance plan.

If your family or friends do not have health insurance the holidays are a good time to discuss this with them because you are together more frequently. With all of the dinners and parties during the holiday season it may be easier to have a casual conversation with your loved ones about looking for health care insurance and how they can utilize an advisor to find coverage that is inexpensive but still comprehensive.

Here at Insight Insurance Services we want you to have a safe and happy holiday! We can help you and your loved ones to find the health care coverage that is right for you and your budget. There is no better time than now!


Friday, November 8, 2013

Take Control of Your Health Care


The Affordable Care Act (ACA) will be fully implemented January 1st, 2014. One of the main objectives of the Affordable Care Act is to make shopping and comparing health care plans easier and more transparent. The problem is that this is not exactly the case. With all of the health care changes occurring now, and in the coming year, it is more important than ever to understand which health care is the best for you.

Obama claims “if you are happy with your health care, you can keep it”. The problem with this is that the health care you have now may be much more expensive once the ACA is in place in January. In order to find the health care plan that is the best for you and your loved ones, or your small business, you should seek out an advisor. 94% of small businesses say that they need an advisor to help with the coming changes of the Affordable Care Act.

The need for an advisor not only applies to small business owners but also to individuals. An advisor can help you find the health care plan that suits your needs and is at the lowest cost to you. Dave Toeben of Insight Insurance is now providing this advisory service for no charge. Below is a testimonial from one of his clients showing how much benefit this service can truly offer.

Testimonial:

"When my husband and I received our health insurance rate increase of $160 per month we were frustrated! Since we already have a very high deductible, our insurance carrier has not paid out a penny for the years we have been with them. We knew it was time to search other insurance providers for a better rate. Neither of us was looking forward to the internet search and all the time it takes to provide our personal info, wait for quotes and then try and decipher what really is the best way for us to go.

The mailing that Dave Toeben at Insight Insurance sent to us, to offer his services, was very timely. When we called him to see what he would provide, we realized he had the access, staff and knowledge to accomplish this for us. By providing some basic info to him, within a few days he had some quotes and we set up a time to discuss them. Our decision on a new carrier was made very easy. Dave saved us a lot of time by researching his network of providers and narrowing it down for us. He completed the application process and all the administrative pieces.

I have recommended Dave to others because we find using the people who are experienced in a particular field saves us time and money."
-Dan & Karen (Sauk Rapids, MN)

Monday, October 7, 2013

Health Care Questions?


  1. Do I need to purchase health insurance from the Minnesota exchange?
  2. Do I qualify for a government health insurance subsidy?
  3. Should I purchase health insurance from: Blue Cross Blue Shield, U Care, Medica, Preferred One, Health Partners, Assurant, OR the Government?
  4. I own a small business. Am I required to provide health insurance for my employees?
  5. How do preexisting medical conditions affect me?
  6. How will my age affect the cost of my health insurance?
  7. I can’t afford a $5,000 deductible. What are my other options?
  8. Which health insurance option is best for keeping the cost of my prescription medication low?
  9. How does the new law affect people who are insured by the Minnesota Comprehensive Health Association (MCHA), and am I covered under the high risk pool?
  10. What is the penalty if I do not purchase health insurance?
Confusion reigns supreme... but it does not have to.

Dave Toeben, owner of Insight Insurance Services, can be your local resource for health insurance information.



Dave has operated Insight Insurance Services in St. Cloud for 15 years. He is professional, knowledgeable, highly ethical, and well respected within the insurance industry. Dave will act as your advisor, your guide through the health care maze of confusion. There is no cost for his valuable services! The insurance companies pay him. Dave will act as your advocate. He has no vested interest in which program you choose. His only job is to provide you professional advice as to what health insurance option is best for you. 

Even if you believe you already have a satisfactory insurance plan, you may want to think again. Premiums for people who currently have individual health insurance plans are increasing 20-40%. The new plans beginning in 2014 for Minnesota residents have premiums that are far more reasonable and inexpensive. The possibility of being able to have better coverage and benefits at a lower price is worth scheduling a FREE consultation with Dave.



Once again, there is no cost to you for his consultation services. Consults will take around ten minutes- that's all Dave needs to determine which option is best for you. This is a far better alternative to calling the exchange and being put on hold for an hour, and not knowing the professional on the other line. Information needed to get started are: the name and DOB for each person insured, along with the zip code and country for the household.

Schedule a meeting with Dave. His professional insights will successfully guide you through the maze of health care confusion.

Dave Toeben
320.258.3122