In general, a high deductible plan will have a lower total yearly cost then a high premium plan. This is because people do not need as much medical attention over the course an year. They can often offset the cost of a deductible by saving more each month through a lower premium.

One of the good ideas is to consult the local phone book for getting the information related to correct sources. These lists include contact information for the people who can provide proper counseling on the health care topics. These people are especially trained in these fields and they also provide information on health-related issues as part their job. Some of the common health related issues that are dealt with by these hotline numbers are AIDS and others. You should remember that these hotline numbers do not provide medical advice and are not licensed to treat health care. The final resort should be to the doctor.

We will be the ones to help make sense of it all. I write to many colleagues each and every week and one thing is certain. Insurance professionals will be the ones to make sure the regular people know how the new health care reforms will impact the people with whom they interact. We as professional insurance agents and representatives will be the ones on the front lines making sure that our clients understand what is out there and how and/or what to do about it. If we work together with companies and their benefit, we will be the ones business owners and human resources professionals will turn to for answers. Will you be available? Start now and do a little every day to stay "up-to-date" with the agents down the street. This will make you stand out as the "go-to" person in your area for health care reform information.

The car manufacturer makes the car that you want to purchase. The car dealer sells to you the car you desire. The car insurance protects the car dealer from financial loss. Your car dealer is not a part of your car insurer.

As I write this, Congress is currently debating a massive national health bill. The President is trying to push through his plan. Other, potentially more lucrative proposals are also being considered. Even though details are still being worked out, one thing is certain. The new plan, whatever its implications, will need funding. And, unlike the Brits', the money won?t come from savings from never visiting a dentist. Funding for this country will likely be from a "pay and play" option. Both small and large businesses will be forced to use this option.

53 percent of those polled believe it unlikely that they will need to alter their insurance company because of the new law. Older adults are slightly less optimistic, with half saying it is not very probable or not at all likely that they will have to find new insurance coverage.

Religion and Politics: It is often said that religion and politics can't be mixed with any other thing. I tend to agree. We can all admit that faith does have an impact on health. However, in most cases, it is better to avoid these topics from our marketing. When is it appropriate? If your business caters to a specific group based on religion/faith and these are the people you are offering your services, then feel free to do so. You might lose patients with other feelings.

The government collected Medicare money all through your working career from your paycheck and from your employer. The government collected the money throughout your working years to pay for your Medicare. Only it doesn't cover the cost of your health care at age 65. It is far from it. Instead of being eligible for Nail art simple free and full Medicare healthcare, 65-year-olds may have to pay $500 per month out of their own pockets to obtain proper and comprehensive drug and medical coverage. To make matters worse the government wants Medicare benefits to be even less generous!