Cranson Health http://cransonhealth.com Simplifying your Group Benefits, Health and Life Insurance coverage. Fri, 18 May 2012 13:31:38 +0000 en hourly 1 http://wordpress.org/?v= 5 Reasons to LIKE Health Care Reform http://cransonhealth.com/2012/05/11/5-reasons-to-like-health-care-reform/ http://cransonhealth.com/2012/05/11/5-reasons-to-like-health-care-reform/#comments Fri, 11 May 2012 17:54:00 +0000 Cranson Health http://cransonhealth.com/?p=157 I always try to keep things positive but when I talk to other people in the Health Insurance industry, they typically look at all the negatives about Health Care Reform, which mostly is commission cuts, extra hoops to jump through, and my favorite, the end of the Health Insurance agent!! I usually don’t join in with negative thoughts but instead focus on the positives with Health Care Reform and how it will positively affect millions of people. So I went over all the positive elements to Health Care Reform and narrowed it down to my 5 favorite things about Health Care Reform. Here they are:

1. Insurance companies cannot deny coverage for someone with pre-existing conditions. This one is huge. In 10 years we will look back and wonder how did insurance companies get away with denying coverage for those that need it most.

2. Insurance companies cannot cancel someones coverage because of them getting sick. I know you may read that and think, ‘seriously?’. Yes, before health care reform there were times where insurance companies would cancel coverage after someone would get sick knowing they would have to continue to pay large medical bills.

3. All Health Insurance policies must include preventative care at no charge. I really like this one. When everyone has health insurance and this is included in the coverage, more people will go get check ups and find certain health conditions early.

4. No lifetime or annual limit of needed care.  This one is often overlooked, but can you imagine getting a serious illness and reach your limit for the year or lifetime and have to pay out of pocket for everything? This is a huge burden lifted for those in this situation.

5. Small Businesses will get tax credits for providing Group Health Insurance coverage to their employees. This is great news for small businesses. There has been a myth that Health Reform will actually hurt small businesses but in fact they are not required to provide health insurance, but if they do, they get a tax credit. How does that hurt anything?

These 5 things are only a few of the positive impact that Health Care Reform (Obamacare) will have on Health Insurance but there are many more.

If you have any questions or want to discuss your own situation with your health insurance or Group Health Insurance for your business, please don’t hesitate to call me. I can be reached at my office at  248-581-0331 or email at bryan@cransoninsurance.com

Cranson Health is operated by Cranson Insurance Agency. If you are interested in a Michigan Individual Health Insurance quote or a Michigan Group Health Insurance quote, please click here or call Bryan Cranson at (248) 581-0331.

]]> http://cransonhealth.com/2012/05/11/5-reasons-to-like-health-care-reform/feed/ 0 Health Insurance Deductibles and Coinsurance – Making it simple http://cransonhealth.com/2011/08/08/health-insurance-deductibles-and-coinsurance-making-it-simple/ http://cransonhealth.com/2011/08/08/health-insurance-deductibles-and-coinsurance-making-it-simple/#comments Tue, 09 Aug 2011 01:25:03 +0000 Cranson Health http://cransonhealth.com/?p=130 So you have this great new Health Insurance quote with a low deductible, low monthly premium and it has your doctors in the network. What’s not to love about this new health insurance plan?? Well if you are not careful your deductible and coinsurance may not be what you think it is. If you have your spouse or spouse and children on your policy your deductible may be doubled. Especially many of the HSA plans today double your deductible per person when you have a two person or family Health Insurance plan. Another part that can be confusing is office visit coverage. Your quote may show that you have office visit coverage but many times you will have coverage for office visits only AFTER you meet your deductible. So be careful when you look at your new health insurance quote or when selecting your new Group Health Insurance plan at work. Look at the wording of your deductible. It will state deductible per person or it will state a higher deductible (usually double the single deductible) for two or more people. It should show it on the quote but at times it isn’t always obvious. Now in addition to your deductible another thing to review is your coinsurance and out of pocket maximum. Many times people think that once they meet their deductible the health insurance company will pay for 100% of their medical bills for the rest of the year. This is usually not the case unless you have a 100% coinsurance plan. Look at your Health Insurance quote and look under coinsurance. It will usually show 70%, 80% or 100%. This percentage is the percent of the medical bills the insurance company will pay AFTER you meet your deductible. The rest of the bill is up to you to pay. Now if you look next to the coinsurance limit on your health insurance quote it shows the coinsurance limit which you have to meet before your health insurance starts paying 100%. This is another area of confusion. Many people think that amount is their max out of pocket INCLUDING their deductible. This isn’t always true. Some companies will list the true out of pocket including your deductible but often times it will just list the coinsurance maximum. Confused yet? Health Insurance isn’t the most straight forward insurance product which is why there are always good agents to talk to and help get you the best coverage and explain how the coverage works. As always if you don’t have a good agent, please give us a call.

You can call Bryan Cranson Cranson Insurance Agency, Northville, Michigan at (248) 581-0331 or (888) 581-0331. Email us at bryan@cransoninsurance.com or visit us on the web at www.cransoninsurance.com

For a Northville, Novi, Livonia, Warren, Detroit, Grand Rapids, Lansing, Traverse City, Kalamazoo or any city in Michigan Health Insurance quote, click here for a free instant quote.

 

]]> http://cransonhealth.com/2011/08/08/health-insurance-deductibles-and-coinsurance-making-it-simple/feed/ 0 Michigan Group Health Insurance http://cransonhealth.com/2011/05/31/michigan-group-health-insurance/ http://cransonhealth.com/2011/05/31/michigan-group-health-insurance/#comments Wed, 01 Jun 2011 01:47:08 +0000 Cranson Health http://cransonhealth.com/?p=122 For those businesses that carry Group Health Insurance in Michigan, you have seen some big rate increases every year at renewal.  Michigan companies have struggled to keep up with the rising cost of health care for their employees. Many times a company will pass more of the cost on to their employees. Also and maybe a more common method to reduce costs is drastically changing the coverage of the Group Health Insurance. One method is to increase deductibles to $1.000 or as high as $5,000. In addition to deductible increases they may have taken away coverage for prescription drugs and office visits. I have sat down with many companies to come up with a strategy for both keeping the Group Health Insurance affordable and maintain quality coverage. Some times we can simply keep the same type of coverage but just switch Group Health Insurance companies. Although this isn’t always a successful way to cut costs, often times we can get a 10-20% reduction. But many times the employees and the employer really want to keep their existing company. This is where we really have to dig in and re-quote options and get creative to find a solution. This used to be a very difficult task until recently. I came across a form of additional coverage that can be purchased as a Group Medical Gap coverage that can coordinate with a high deductible Group Health Insurance plan. The industry refers to this type of Group Benefit as Group Medical Gap Insurance coverage. It works very nicely when coordinated with a high deductible Group Health Insurance plan. I have seen companies save over $1,000 per employee per year using this method. How it works is the Medical Gap Insurance pay most co-pays and deductibles up to the plans deductible. At that point the Group Medical Insurance policy starts to pay the bills. When I first heard of the idea I thought it may have a place in certain situations. Then I started quoted it on every proposal I came across and found that it works almost every time to save a company money while maintaining excellent coverage and keeping the existing Group Health Insurance company. This coverage is appearing to become very popular. The interesting thing is that Health Insurance Brokers have not been offering this type of coverage at renewal. It is such a powerful concept that they will begin losing clients to other Health Insurance Brokers knocking on their doors to show them a creative and excellent option that can not only save the company money but actually improve their Michigan Group Health Insurance coverage. Your company may be in this situation. Ask your Health Insurance Broker to show you an option with Medical Gap Insurance. Or if you would like us to look at your Group Health Insurance, please don’t hesitate to give us a call at (248) 581-0331. Or email Bryan Cranson at bryan@cransoninsurance.com

Cranson Health is owned and operated by Cranson Insurance Agency. If you are interested in a Group Health Insurance quote or a Michigan Group Health Insurance quote, please click here or call Bryan Cranson at (248) 581-0331.

 

 

 

]]> http://cransonhealth.com/2011/05/31/michigan-group-health-insurance/feed/ 0 5 Differences Between Individual and Group Disability Insurance Plans http://cransonhealth.com/2011/02/02/michigan-disability-insurance-quote/ http://cransonhealth.com/2011/02/02/michigan-disability-insurance-quote/#comments Thu, 03 Feb 2011 03:42:27 +0000 Cranson Health http://cransonhealth.com/?p=109 For a disability insurance quote, please call Bryan Cranson, owner of Cranson Insurance at (248) 581-0331

By Thomas L Lloyd

The typical conversation when discussing cost for disability insurance with a client usually revolves around their own experience with either a current or previous employer sponsored or voluntary group disability insurance plans. “Why does an individual plan cost so much more than what I pay (or paid) for my work plan”? Well, simply put, you are comparing two plans that are completely different from one another in terms of how they pay you a claim and your holding rights. Each plan brings a variety of differences that may appeal differently to each person but you must understand some of these key variations in order to properly assess which plan may provide the most protection for your income. Consequently, I have outlines 5 areas that group and individual disability insurance plans differ.

1) Definition of Disability Provision – how does the plan deem you totally disabled? How does it pay you a benefit?

A reputable individual disability insurance contract will generally provide a definition of disability called true own occupation. This means you will be protected in the event any illness or injury prevents you from working in your own occupation. Moreover, if you choose to earn income in another occupation, your disability insurance plan will continue to pay you as long as you do not return to your original occupational duties.

Group disability insurance plans vary but more often than not, they will offer a modified own occupation definition of disability. This provides protection in the event any illness or injury prevents you from working in your own occupation. Unlike the individual plan noted above though, you cannot be gainfully employed while receiving benefits. In other words, if you earn any additional earned income working in any capacity while on claim, your disability benefit will no longer be paid to you.

Advantage – Individual Plan.

2) Medical and Financial Approval – how can I qualify for my plan?

To obtain an individual contract, you must complete an application from the insurance company asking questions about your occupation, medical history, and recent financial information. A paramedical examination is usually ordered for and paid by the insurance company to have an examiner visit you to complete a blood sample and urinalysis. Questions are also asked about your medical history as well as any recent or current prescription medication use. Your medical records from your physician(s) are usually ordered by the insurance company underwriter to review. The approval process from start to finish usually takes about 4-6 weeks. Any pre-existing health conditions are excluded from coverage.

Group plans are generally guaranteed standard issue for all participants. This means that there is no individual underwriting for each person – everyone receives the same plan regardless of their current health status. The enrollment period usually occurs once a year and participants usually have to accrue a certain number of full-time hours to qualify for the plan. Always check with the benefits manager in Human Resources to seek out this specific information. Participants will have no health exclusions for their coverage.

Advantage – Group Plan

3) Portability and Renewability Provisions – What can change with my plan? Who can change it?

Individual disability insurance plans should always be selected with two imperative contract provisions – Non-Cancelable & Guaranteed Renewable – this does not mean you as the policyholder cannot cancel the policy, it means the insurance company cannot alter the terms of the contract or the price. This is important since cost always increases with age and this market is volatile with many plans changing options and terms every few years. Additionally, you own the contract personally so it will travel with you regardless of where you work or if you change occupations. Getting individual coverage at a younger age is always a wise financial decision since you can lock in your premium at a low rate and feel confident you will be protected for the rest of your career – regardless of where it takes you.

Group plans are conditionally renewable and subject to premium change at anytime by either the employer or insurance carrier. Terms of the contract can be changed at anytime without participant input as well as canceled. If the participant leaves that employer their coverage does not go with them (is not portable). This road always leads to that person calling to get an individual plan at the age of 45-55 and the premium rates are very high.

Advantage – Individual Plan

4) Benefits and your taxes – will my disability benefit be taxed or not?

A strong advantage of an individual disability insurance plan is the taxable nature of its benefits. As long as the premiums are paid by the policyholder and not deducted as a business expense – all benefits received for a claim will be tax-free. This can have a significant effect on lifestyle protection and limit any unnecessary tax exposure while on claim.

Group plans are treated as tax deductions by the company or are offered to participants as a pre-tax withdrawal from their paycheck. Since the taxes have not been paid – they get picked up when participants file a claim. A typical employee will receive 60% of their salary for a disability claim. That’s not their net pay though once their benefits are taxed at their federal and state tax ordinary income rates. In some cases with highly compensated executives who are in a high tax bracket, this can have a significant effect on their take home benefit

Advantage – Individual Plan

5) Coverage Options and Plan Design – Each person is different – should they control their plan structure?

All individual disability insurance plans provide the client complete flexibility and choice when determining what they want in coverage amounts. Some older people may not want to be fully insured due to cost or because they have other assets to use while younger people may want full coverage along with optional riders to fight against the eroding factors of inflation or purchase more coverage without more medical underwriting in the future.

Group plans do not allow the client the ability to adjust coverage amounts or add on any additional riders. This lack of flexibility may create problems for differences in protection between high level company executives, especially since most group ltd plans have a monthly benefit cap. For example, the plan may offer 60% coverage but have a total plan cap of $8,000.00 a month. That is not a problem for someone making under $100,000.00 a year but does present an issue for someone earning $300,000.00 a year.

Advantage – Individual Plan

These differences are what create such a wide chasm in price. Understanding them and deciding how that effects your own financial plan should be the focus as well as cost consideration. Each person’s long term financial goals are different but everyone needs to properly protect their own ability to earn an income.

Thomas Lloyd is a disability insurance specialist with the Financial Balance Group in Washington DC. He designs executive benefit plans for Physicians and Small Business Owners. 1-888-513-2300.

His website provides information and free individual disability insurance proposals for Physicians and Dentists

http://www.diquotes.com

]]> http://cransonhealth.com/2011/02/02/michigan-disability-insurance-quote/feed/ 0 US Health Care Reform – Majority of Physicians Oppose http://cransonhealth.com/2011/01/27/health-care-reform-health-insurance/ http://cransonhealth.com/2011/01/27/health-care-reform-health-insurance/#comments Thu, 27 Jan 2011 18:08:21 +0000 Cranson Health http://cransonhealth.com/?p=95 A Majority of Physicians Oppose US Healthcare Reform
Healthcare reform is a highly debated topic these days, due to new legislation passed by President Obama late last year. Although the American public seems to be divided in their stance on the reform act, the now majority Republican-controlled House is not its only critic- a recent study cites that many physicians themselves are actually opposed to the reform efforts. Among the major points made, physicians polled feel that reform calls for a greater number of healthcare workers, many of whom are not required to earn doctorate-level healthcare degrees like nurse practitioners and physician assistants. The report recently released by Thomson Reuters and HCPlexus details the results of a national survey which polled nearly 3,000 U.S. physicians on the issue of healthcare reform. The overall consensus can be generalized to say that a majority of physicians feel “frustration and dismay in a time of change.” Of the physicians polled,

  • 65% believe that U.S. healthcare will deteriorate with five years
  • 18% believe it will improve
  • 17% believe it will stay the same

If the healthcare reform act passed by President Obama remains in legislation, under the Patient Protection and Affordable Care Act (PPACA), an estimated 32 million currently uninsured Americans will have will access to healthcare. Physicians participating in the survey report concern over who will treat these new patients. Nurse practitioners and physician assistants will likely begin seeing and treating nearly as many patients as physicians themselves. According to the report, “physicians overall have a clear frustration with the non-physician providers’ compensation, which is comparable to primary care physicians, citing that nurse practitioners and physician assistants are not as well-trained or as educated.” Nurse practitioners and physician assistants do have an education above a bachelor’s degree, but are not required to have earned their doctorate from a medical school like a physician. Healthcare degrees of all levels are in high-demand in response to reform efforts, which will require greater numbers of healthcare workers overall, in both an administrative and clinical capacity. Online programs offering advanced healthcare degrees are growing in popularity as a method for working healthcare professionals to earn the additional credentials necessary to qualify for higher-level positions. Results of the study also claim that a majority of physicians have a similarly cynical view on how healthcare reform will affect patients. Results conclude that:

  • 58% feel the legislation will negatively affect patients
  • 27% feel the effect will be positive

Survey results distinguished responses among physicians of different medical practices, for example, as primary care physicians, or psychiatrists. Of all participating groups, pediatricians and psychiatrists were the most optimistic about the future of healthcare. On the other hand, dermatologists were found to have the most negative outlook; not a single dermatologist polled reported a belief that current healthcare reform efforts would have a positive effect on physicians.

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Article Source: http://EzineArticles.com/?expert=Alli_Lawrence

]]> http://cransonhealth.com/2011/01/27/health-care-reform-health-insurance/feed/ 0 Simplify your Health Insurance Quote http://cransonhealth.com/2010/04/24/simplify-your-health-insurance-quote/ http://cransonhealth.com/2010/04/24/simplify-your-health-insurance-quote/#comments Sun, 25 Apr 2010 02:17:59 +0000 Cranson Health http://cransonhealth.com/?p=74 So you have shopped for Health Insurance. You received 127 quotes from 22 different companies. Before you started shopping for Health Insurance you felt you understood what you needed and had a general knowledge about Health Insurance coverage. Now you are so confused and frustrated you put off the purchase of Health Insurance altogether. Does this sound like you? It sounds like a lot of clients I talk to. If I could give any advice it would be to first shop for a knowledgeable insurance agent. Find an Independent Insurance agent that has multiple companies to quote insurance through and has some years experience selling Health Insurance. So when you find an Insurance Agent that you are comfortable with it’s time to discuss your specific needs for Health Insurance. This might first seem like a difficult task but lets discuss the basics and then build upon it.

First lets talk about deductibles. What are you comfortable paying out of your pocket if something major happened? Now if it’s only $500 or $1,000 but you can’t afford a plan with that low of a deductible you can look at higher deductible options and then add an accident plan that can help pay some of the out of pockets medical expenses. This is a growing option lately. Companies like Aflac have great options for Accidents or Hospital stays and most Health Insurance companies can even add an accident plan that is inexpensive.

Next part of the policy I like to discuss is Office Visit coverage. Do you go to the doctor very often? Do you only go to the doctor for an annual physical? Have you not seen a doctor for several years and don’t care about doctors visits at all? Having coverage for doctors visits and preventative care (annual physical) can be expensive to add to a health plan. You need to look at the monthly cost and see if it makes sense to add.

Next you should look at prescription coverage. If you are currently taking expensive medications if may be tough to get a Health Insurance company willing to issue a policy with Prescription Coverage without increasing your rate more than the cost of the drug. Now if you take a generic medication you may not even need prescription coverage if the cost of the drug is reasonably priced.

Last thing to consider is a Health Savings Account plan. These are my most popular plans I sell today. Mostly these are popular with me because I believe in them and personal have a Health Savings Account Plan for my family. These plans are typically higher deductible plans staring around a $1,000 deductible up to a $10,000 deductible. The great benefit of these plans is you can put money in to a Health Savings Account and in most cases deduct it from your income taxes similar to a Traditional IRA account. Now when you have a medical expense that is not covered by your Health Insurance, such as co-pays or medications, you can use the money in your Health Savings account and not have to pay taxes on the withdrawal.

So after reading this you are less confused about your health insurance quote process, give me a call. If you are more confused, I apologize, but still call me! You can reach me at (248) 581-0331 or (888) 581-0331.

ONLINE HEALTH INSURANCE QUOTE

Bryan Cranson owns an independent Insurance Agency in Northville, Michigan specializing in Business Insurance and Health Insurance. They are licensed in the following states: Arizona, California, Indiana, Illinois, Kansas, Michigan, Missouri, New Mexico, New Jersey,  Ohio,  and Oklahoma.

Oakland County Health Insurance, Livonia Health Insurance quote, Novi Health Insurance quote, Grand Rapids Health Insurance quote, Warren Health Insurance quote, Northville Health Insurance quote, Canton Health Insurance quote, Ann Arbor Health Insurance quote

]]> http://cransonhealth.com/2010/04/24/simplify-your-health-insurance-quote/feed/ 0 Where do I buy Health Insurance? http://cransonhealth.com/2010/03/08/where-do-i-buy-health-insurance/ http://cransonhealth.com/2010/03/08/where-do-i-buy-health-insurance/#comments Mon, 08 Mar 2010 22:24:37 +0000 Cranson Health http://cransonhealth.com/?p=54 How many of you have asked yourself this: Where do I buy Health Insurance?

Many of you had health insurance through an employer or as kids through your parents and NEVER had to buy health insurance on your own. Now we have people losing their job or losing their health insurance benefits and they don’t know where to buy health insurance. Today with technology buying Health Insurance online has become much easier. But is this somethingyou are comfortable with? Or do you want to go down to the local Insurance Agency on the corner and discuss health insurance with them?  Either way the price for Health Insurance will be exactly the same regardless of who you buy it from and where you buy it. If you buy one policy through a certain company then the exact same policy from that company by law has to be the same price from a different insurance agent. So take price out of the equation, where is the easiest place to buy anything? Ok, I am biased since I buy most of my goods I use every day online but to me buying anything online is the easiest and most convenient way to buy anything. The only problem is you are not buying a pair of shoes online but you are purchasing one of the most important types of insurance that can affect your life, Health Insurance. It wouldn’t be fair to compare buying Health Insurance to purchasing shoes, so let’s consider a couple things. What do you really lack by getting a Health Insurance quote online versus a Health Insurance quote from an Independent Insurance Agent? One thing I like is that when you go online versus in person there is no pressure to sign the application right then and there. You can do research online and look at all the different options and coverages and see what fits your budget. Another thing is you can shop online and do research when it is convenient to you not the insurance agent. So when you decide to get a Health Insurance quote, try to go online first and do your research. Once you decide on the right Health Insurance Quote then figure out if you want to buy the policy online, through the local insurance agent, or just buy it from me!

Good luck and Happy Health Insurance shopping!

ONLINE HEALTH INSURANCE QUOTE

Bryan Cranson owns an independent Insurance Agency in Northville, Michigan specializing in Business Insurance and Health Insurance. They are licensed in the following states: Arizona, California, Indiana, Illinois, Kansas, Michigan, Missouri, New Mexico, New Jersey,  Ohio,  and Oklahoma.

Oakland County Health Insurance, Livonia Health Insurance quote, Novi Health Insurance quote, Grand Rapids Health Insurance quote, Warren Health Insurance quote, Northville Health Insurance quote, Canton Health Insurance quote, Ann Arbor Health Insurance quote

]]> http://cransonhealth.com/2010/03/08/where-do-i-buy-health-insurance/feed/ 0 Health Savings Account Health Insurance plan http://cransonhealth.com/2010/03/05/health-savings-account-health-insurance-plan/ http://cransonhealth.com/2010/03/05/health-savings-account-health-insurance-plan/#comments Fri, 05 Mar 2010 14:09:08 +0000 Cranson Health http://cransonhealth.com/?p=38 Many of you have heard about Health Savings Accounts but aren’t completely sure how they work. If you purchase your own health insurance and haven’t looked at this option, it might be time for a look. A Health Savings Account Health Insurance plan  or HSA Plan puts the insured in control of the Health Insurance plan. First you have much lower cost premiums, then you get to put pre-tax dollars in to a Health Savings Account and spend the money tax free on qualified medical expenses.  Eventually if you don’t use the money in the Health Savings Account you can use the money in retirement (must follow the IRS guidelines to avoid penalties). You can even purchase items such as Aspirin or Vitamins.

Now when I talk about HSA’s with prospective clients one of their first concerns is ‘What happens at the end of the year if I don’t spend all of the money?’. The answer is:  it rolls over to the next year just like your checking or savings account at a bank. People are getting confused about Flexible Spending accounts where you DO need to spend the money by the end of the year or the money is gone. Health Savings Accounts also have much more flexibility when it comes to using the money for medical bills.

Since there is a high deductible attached to these plans you must be disciplined enough to put money aside each month in to your HSA account. Nobody will require you to make those deposits but it is essential when you have an HSA Health Insurance plan. Without having money in the Health Savings Account you will be left with large medical bills if something serious happens. Usually what I recommend when I give a Health Insurance Quote that is an HSA Policy that the money they save each month in premium to put some or all of that money in to a Health Savings account until that money in the account accumulates to equal the deductible. Then if something does happen you won’t have much, if any, out of pocket since you can access the Health Savings Account funds.

Call us today if you want to get a Health Insurance Quote from one of our top HSA Health Insurance providers.

Thanks for reading!

Bryan Cranson owns an independent Insurance Agency in Northville, Michigan specializing in Business Insurance and Health Insurance. They are licensed in the following states: Arizona, California, Indiana, Illinois, Kansas, Michigan, Missouri, New Mexico, New Jersey,  Ohio,  and Oklahoma.

Oakland County Health Insurance, Livonia Health Insurance quote, Novi Health Insurance quote, Grand Rapids Health Insurance quote, Warren Health Insurance quote, Northville Health Insurance quote, Canton Health Insurance quote, Ann Arbor Health Insurance quote

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