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eHealth Insurance; Options For Your Health Care

Posted by on Oct 24, 2008

Do you have health insurance? eHealth Insurance is basically an online insurance store, offering you the chance to select the type of affordable health insurance you want and customize it for your needs and budget.

Now, why would I start talking about health insurance? One, by now many of you know that I’m a healthcare finance consultant. One of the biggest problems in America today is that many families and individuals still don’t have health insurance coverage. As much as we’ve been hearing about the big financial crisis as it’s affecting banks and the housing market, the fastest growing debt load in America right now is the defaulting of paying back medical claims.

Even as far back as 10 years ago, not paying outstanding hospital bills pretty much meant nothing to your credit rating. For whatever reason, creditors didn’t seem to count outstanding hospital bills against you. But about that time things started to change, and by this decade outstanding hospital bills were counting big time against your credit rating.

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Select Insurance Type
Individual and Family Coverage 
Small Business Coverage
Short Term Coverage
Student Coverage

Truthfully, there’s no excuse for not paying your hospital bill, as most hospitals have some kind of charity care applications or will set up payment plans to help you along. Something many hospitals might not want me to tell you is that even if you only sent $20, most hospital computer systems can’t tell the difference between a payment that’s supposed to be for $100 and one for $20, and will just continue your account along, without sending it to a collection agency, as long as some kind of payment is being received. Don’t try to sneak $1 by someone, though; that will make even cashiers suspicious, since someone actually does look at checks first.

How serious can medical debt be? Suze Orman, on Oprah a few weeks ago, said that she’d rather people give up eating and go on a water diet than to not have health insurance or pay on their medical bills. Truth be told, if there’s only one hospital in your area and you’re not paying your bills, they can legally withhold medical services to you across the board, except for emergency situations; who wants to deal with that?

So, if you don’t have an employer who’s giving you some kind of option on health insurance, and you need either an individual or family plan of some sort, why not take a look at eHealth Insurance to see if there’s an option for you there.


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9 Comments »

I reckon if anybody would know about health insurance Mitch it would be you. I have always gone for private heath cover, even though we have a government funded one, only because the service is so much better. I think it is so important that I would sacrifice the niceties in life in order to maintain my health cover.

Sire´s last blog post..Walk A Mile In Another Person’s Shoes

October 24th, 2008 | 7:16 PM
Mitch:

That’s a smart move, Sire. I have a friend in Australia who had to wait 9 months for a double hernia operation; that’s scary to me.

October 24th, 2008 | 8:30 PM

I’ve heard of even worse cases Mitch and they are constantly hitting the news. Nope, it’s an extra expense but it is well worth it.

Sire´s last blog post..Walk A Mile In Another Person’s Shoes

October 24th, 2008 | 8:48 PM
Mitch:

No problem, Dennis. Many people don’t think all that much about health insurance, and I’ll admit that in my early 30’s I didn’t think about it either. We all like to think we’re invincible, but we’re not.

October 25th, 2008 | 11:37 PM
John:

Hi Mitch,

Sorry to be totally off subject here but i have a question.

On your side bar you have adverts for Dagenham, is there a Dagenham in the USA?

The reason I ask is because I live in Dagenham in the UK (Fords UK Home).

PS I clicked an add but nothing is showing for Dagenham Doctors or Florists, but I hope the few cents helps.

All the best

John

October 28th, 2008 | 2:24 AM
Mitch:

Hi John. The sidebar is something new from Widget Bucks. In essence, it shows the visitor information based on where they live. So, for me, it’s showing me information for Liverpool, NY, which is where I live. However, I guess if no one is advertising in that area for a specific product, then if you click on it you’re not going to get anything. However, the best part for me is it showing me where I can get the cheapest gas in my area.

October 28th, 2008 | 8:40 AM
Nathan Rodriguez:

I always make sure that my family gets Health Insurance from very reputable companies. health insurance is very important these days.’-“

May 11th, 2010 | 9:25 PM
Mitch:

That’s for sure, Nathan. And eHealthInsurance makes sure you get to work with quality insurers.

May 11th, 2010 | 11:01 PM
mutuelle sante:

Bonjour a tous , Joli blog Je traite du m?me sujet sur mon wordpress. Je me permettrai de m?inspirer de votre texte. En vous citant bien sur et si vous le permettez. Je traite aussi de sujet comme mutuelle chiens ou comme mutuelle. Merci, Samuel

July 28th, 2010 | 12:52 PM