Small business health insurance premium increases each year, are deeply incised Dr. Bradshaw practice income. Chiropractor health conscious, she rarely used individual health insurance for medical care. "My staff is healthy and are truly interested in health benefits for call emergency service. We all eat healthfully, develop, and to do proactive things to keep us from getting sick. " Dr. Bradshaw heard that health savings account can provide a satisfactory solution, which will offer lower cost health insurance covering catastrophic care and at the same time provide options to improve or sustaining health.
The cost of the premium health plans have been overwhelming for employers and individuals
"None of my staff took expensive prescription medicines so demand and abandoned several years ago to save money," acknowledges Dr. Bradshaw. "Even so, premiums and copays continue to advance and all of us continue to pay a lot of out-of-pocket costs for eye care and things like our dental."
Nobody wants to get sick. But there is a real fear of not having adequate insurance protection financial ruin from medical costs. People stay jobs just so they have health benefits. Companies constantly switch health plans or drop certain benefits so you can remain viable.
Investing in our own wellness seems to be well
What we are willing to pay and how to get sick? More companies recognize the value of healthy employees and spend thousands in wellness initiatives in order to save on health expenditure. There are those who delight in their health and their diligent election spend their own money on programs to reduce stress, fitness, healthy eating and alternative medicine. For these people is medical insurance plan invests in their health.
HSA saves you money and health
Again in 2003, our Federal Government shared health savings accounts (HSA). Associated with high much less expensive deductible medical insurance plan, strengthen tax funds could be used in the HSA for medical expenses but also for the promotion of health expenditure, such as dental care, chiropractic adjustment and treatment of acupuncture. Any funds that are not used roll-over for the next year to collect tax-free interest. After reaching the age of 65 years, the funds left in HSA works very similarly, IRA and may be used for medical expenses-.
Sensible personal and small business medical insurance plans
Dr. Bradshaw Saw immediately the benefits of health savings account. This was the best solution for individual medical insurance and its benefits for small businesses. Its employees loved having control of their health care dollars and choice of practitioners.
Now stwierdzila, "it would also be a great personal health insurance plan for my patients, who may use their HSA to pay for chiropractic services. What sensible Wellness plan. "
Copyright 2008 Dr. Andrea Brockman T-Horizons, LLC All rights reserved
Dr. Andrea Brockman is the CEO of T-Horizons, LLC; company-wide brokerage specializing in health savings account compatible health insurance plans for individuals, small businesses and health. It is also President of OraMedica International, LLC; A company dedicated to educating the public, health professionals and workers with chronic disease, connections, dental pain, obesity, stress and pregnancy complications.
Save money on health includes decisions based on knowledge, proactive health and adequate health insurance. More on the strengthening of consumer driven health plans tax visit http://www.oramedica.com
No comments:
Post a Comment