/24-7PressRelease/ - ST. PETERSBURG, FL, May 07, 2008 - The American health care system is broken. The cost of health insurance has gotten out of hand and the benefits have shrunk to the point where a person's liability, after the insurance company pays its share of the medical bills, still far exceeds the average person's budget.
It's hard to know who to trust these days. Insurance policies have pages of fine print and legalese. Loopholes and misrepresentation by hungry agents leave people, who thought they were fully covered, who pay heavily to be covered, to find that they are in fact exposed and liable in medical emergencies.
Confusion abounds. Each State has it's own set of laws and regulations governing health insurance, and each insurance carrier has its own peculiarities. rules, coverage, exclusions, policies and pricing structure for each State, even City, even Zip code.
To make matters worse, the language used in the health insurance industry is confusing, multi-meaning and often proprietary. Agents have difficulty understanding it all. The consumer doesn't have a prayer.
And the news is worse still. Anyone less than a superhero will, at some time or another, fall ill. It's inevitable. And even superheroes have family members who are mere mortals. The bad news is that once a person has been treated for a major illness, or condition, that condition will likely be excluded from coverage with a new insurance company.
It is also quite possible that the condition will result in a complete denial of coverage by the company. Once denied by a any health insurance company, a consumer is "red flagged" by all companies, which may result in further denials, for people who would have otherwise been accepted, or a reclassification into a higher risk category, resulting in even greater cost.
Other factors including height/weight. occupation and avocation can significantly effect the cost of coverage among the different companies. Conditions that would cause problems for one company may be perfectly acceptable, or handled in a different way by another company.
A skilled agent, armed with knowledge of local industry peculiarities and the nuances of a client's personal situation can avert these problems and secure the most advantageous health coverage at the most affordable rates.
Simple Heath Coverage (http://simplehealthcoverage.com) has teamed with Insureme to create a Web Site which addresses the issue and solution in the simplest way possible.
Through a simple form, linked from every page on that Site, a person can input relevant data and be matched with a choice of several licensed and qualified insurance agents, specialists in his/her area and situation, who will, if selected provide the client with quotes and answers to specific questions, within a matter of hours, often even minutes.
A consumer can elect to receive quotes from multiple independent agents to be relatively certain of getting the whole picture and the best deal on health insurance available.
The system may be broken, but with the help of a little technology and a few dedicated professionals, consumers don't have to be.
Contact Jeff Wild for more insight on finding affordable health insurance.
Email: insure@simplehealthcoverage.com
More information on health insurance can be found at: http://www.simplehealthcoverage.com.
Simple Health Coverage is devoted to helping consumers find and acquire the perfect health insurance for their needs and budget. For more information visit, http://simplehealthcoverage.com
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