Questions to ask yourself:
How are your family’s health care expenses affecting your family
budget?
Increasingly individuals and families who must purchase their own health
insurance are facing tough choices. The rising cost of medical care and
the resulting pressure on health insurance premiums makes health insurance
a top priority if you want to have your family’s health expenses covered
at a reasonable cost. As premiums continue to account for a larger and
larger percentage of the family budget, where do families cut back in other
areas in order to afford their premiums? It is a difficult challenge and
more and more families are dropping their health insurance because they
just simply cannot afford it any longer.
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Are you looking for a more economical way to provide health insurance
protection for your family?
No doubt, you are and it is important that you understand as much as
possible what your health insurance choices are so that you can make an
educated decision that is best for you and your family. We believe
that our first obligation is to help you with that education. If managing
premium is the goal, there are really only three ways to do it:
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Increase your deductible and co-payments.
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Increase your co-insurance…the percentage you pay after your deductible
is met.
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Change insurance providers.
Sometimes doing all three may be the answer, but without a careful analysis
of your needs and budget, you cannot make an educated choice. In response
to the current climate, many insurance companies are developing policies
that make it possible to continue to provide comprehensive coverage but
at the same time reduce and manage the premium. To take the most advantage
of these types of policies you need to be in a position to make educated
choices and be willing to take a more active role in your managing your
health care cost. The buzzword is “Consumer Directed Healthcare” and at
ARS Solutions, we can show you how to do it.
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If you could afford to take care of minor medical costs out of pocket
while having comprehensive medical coverage for larger expenses, would
you be interested?
Industry experts believe that the evolution of Health Savings Accounts
(HSA) is the most likely long-term solution for individuals and families.
Simple in design, the HSA concept combines higher deductible health insurance
with a tax-favored savings account that works much like an IRA. To utilize
the HSA concept, you must be willing to redirect the money you save from
significantly lower insurance premiums into the Health Savings Account.
Once on deposit, the funds may be withdrawn, tax free, to pay for any qualified
medical expense. The funds not used remain on deposit and earn interest.
This may not be the solution for everyone for a variety of reasons but
the idea is taking hold and the basic concepts of higher deductible health
insurance and redirecting premium savings into other products and tools
is sound and may be accomplished in a variety of ways. ARS Solutions’ can
take the mystery and confusion out of this very important part of family
life. If you are willing to play a greater role in managing you family’s
health care expenses, we can show you how.
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Ages 60 and over
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