Health Insurance Georgia

12/26/2021

Gift from My Dad - His - "You need this more than I do." Referring to his full head of hair and Christmas hat. -Yes, the gift includes that my parents are still in great health.

Coverage for your unique needs!

02/16/2021

Health Insurance from Real Estate Professional to Real Estate Professional - Question: Why would I put my reputation on the line if I did not USE and PROVIDE the best health insurance indemnity plan, Philadelphia American?

01/13/2021

Realtors! Discount Health Insurance - I sell and use it Philadelphia American.
--> Watch out and BE CAREFUL when buying others. Their coverage sounds great, but they only pay $800/day for a heart attack or stroke, while . You pay the difference! Even doctors. (1)

Plus Philadelphia American will PAY at least $250,000 for a heart attack or stroke, depending on the level coverage you get. $250K should be fine, but for extra comfort just a little bit more,

12/28/2020

Warning about about an indemnity company that claims to offer a discount. Two points:
1. Savings is not there.
2. Product puts you at financial risk. - For example, if you have a heart attack, it will pay you $300,000, BUT ONLY $800.00 per day. Your daily bill will be more than $1,000/day. Guess who pays the difference? You.

10/06/2020

Objective of Short-Term Health Insurance - Get bills reduced, no balance billing.

Objective of Indemnity Plans - NO Deductible! Reduce out-of-pocket expenses.

www.HealthInsuranceGeorgia.us

09/21/2020

Health Insurance vs. Indemnity Policies
Insurance guarantees your maximum out-pocket expenses for medically insurable events.

Indemnity Policies make you "whole" by reimbursing you for medically insurable events, but do not protect you against major expenses. Ask an agent who only sells indemnity policies what is your "maximum out-of-pocket" liability, and read the brochure.

Working Together -
Indemnity policies can lower your deductibles, in two ways:
1. For minor medical situations, especially routine doctors' visits, you may pay nothing.
2. Emergency situations in which you are admitted to the hospital, the payments will offset the deductible.

Benefit - You save money on your premiums while getting more comprehensive coverage.

08/30/2020

Encouraging news about .

The chief of the U.S. Food and Drug Administration told the Financial Times that he is willing to bypass the standard approval process in order to make a Covid-19 vaccine available as soon as possible.

08/14/2020

My Story“I feel your pain.”1099 Employees and Small Business Owners Understand Your Story – Been ThereI have been a 1099 employee for the entirety of my professional career, starting in real estate. In the 1990s, we had great policies at fair prices, and not much changed for a long time. We kn...

08/10/2020

? Inexpensive Policies - Reasons for Costing Less
1. Obamacare policies for which you qualify for a subsidy.
2. Poor coverage and a high deductible.

If #1 is your reason, stay with it. You can add an indemnity policy, like AFLAC, to pay for your loss of income and high deductible.

If #2, let's review your policy.

07/31/2020

Understanding Difference and Unique Value of Health Insurance and Health Indemnity Policies

Understanding the Difference between Insurance & IndemnityEach One’s Unique Value Financial Catastrophe –All health insurance policies should protect you from financial catastrophe, because they define your maximum out-of-pocket coverage, from both the deductible and co-insurance.(FN) Additional...

07/28/2020

Short-Term Health Insurance + Indemnity = Perfect Combination -
Short-term (2 years) protects you from losing your home.
Indemnity eliminates your deductible and co-insurance costs, compensates for your loss of income.

Pricing - 50% of Obamacare.

Contact me for your health insurance needs. James Kobal (M) 678.993.4951 and [email protected]

07/28/2020

Short-Term Health Insurance plans are great for those who do not have pre-existing conditions. As healthcare coverage will presumably change in the next 18 months, you want a policy that is long enough to protect you through the uncertain times.