Whitley Benefits

Do your children have health insurance?

jeff — Tue, 22 Jul 2008 17:18:28 +0000

Although it is important for everyone to have health insurance, it is imperative that your children have coverage. Children have a better chance of getting sick, and when you’re young you need to take care of an illness immediately. This is why every child needs to have health insurance. Unfortunately, there are millions of children without health insurance, and we need to do something about this in the future.

If your children do not have health insurance, you should get them coverage today. If you have a health plan through your employer, you could add your child to that plan. If you have an individual health plan, you can get your child covered for a modest price through on line web sites like WhitleyBenefits.com.

How to buy health insurance mistake free

admin — Tue, 27 May 2008 20:20:49 +0000

With more and more people going to work for themselves, people are buying individual health plans on their own. This has led to numerous mistakes being made. Don’t be the next victim. Here are a few mistakes to avoid when purchasing your individual health plan:

1) Don’t buy your health insurance policy until you have compared all of your options. There are many health insurance providers available with a variety of options. Find one that best fits your needs.

2) If you have a personal physician, make sure he/she accepts the company and type of plan that you are planning to buy. You can find out in the company’s list of providers.

3) Do not buy a plan with a deductible that is too high for your budget, unless you are looking for the lowest price available. This is important because the deductible is the amount of money you must spend before the insurance company begins to pay. On co-pay plans, this is only when you have to go to the hospital.

4) Finally, make sure you choose a highly rated, reputable company that will stand behind you when you need it. You can find brokers on line like Whitley Benefits.com who only offer the top rated carriers in the state.

If you can follow these guidelines for avoiding mistakes, you should be in good shape for your next health insurance policy purchase.

What deductible is right for you?

admin — Tue, 20 May 2008 19:58:41 +0000

The deductible is one of the key aspects of any good health insurance plan. It is the amount of money that you must pay each year before your plan begins to pay your expenses. Deductibles are generally available in $250, $500, $1000, $2500, $5000, and $10,000. On co-pay plans, the deductible only applies if you have to go to the hospital. On co-insurance plans, you must meet your deductible amount first, then the plan pays your bills. Choosing a deductible that fits your needs is important. You can save money with a high deductible plan, but limit your out of pocket cost with a low deductible plan.

What is a Health Savings Account?

admin — Thu, 08 May 2008 18:25:48 +0000

A Health Savings Account is a tax-favored savings account combined with a qualifying high-deductible health insurance plan. It allows you to deposit funds tax free into an account to cover medical expenses. This enables you to take control of your own health care decisions.

You must first have a high-deductible health insurance plan that qualifies to be partnered with an HSA. These plan are available through various insurance companies and through web sites like Whitley Benefits.com. The plans are all similar in the fact that they have deductibles between $1,100 and $5,600 for singles, and $2,200 and $11,200 for families. Once your insurance plan becomes effective, you may fund your HSA account.

HSA’s allow you to legally avoid federal income tax by saving up to $2,900 for singles or $5,800 for families, into your HSA account. There is no minimum deposit, but whatever you deposit into your account by April 15th is an “above the line” tax deduction for the prior year’s income tax. This is available to everyone, with no limitations on the amount or source of income.

If you cancel your HSA-qualified health insurance before you’ve had the coverage for a full year, your maximum contribution amount is pro-rated based on the number of months in force.

Finding the Right Health Insurance Company

admin — Tue, 06 May 2008 18:09:08 +0000

There are several factors to consider when deciding which health insurance company is right for you. It should be taken seriously, and you should do as much research as possible. First of all, choose a company that offers several different types of health insurance plans. These include PPO’s, HMO’s and Health Savings Accounts. Each has pros and cons that will benefit you depending upon your situation. Another factor to consider is the network provider list. If you have a doctor that you would like to keep, make sure he/she is in the company provider network. If your physician is not in the network, you will not receive the discount co-pay available to you.

With the rising cost of health insurance, price should also be a concern when choosing your health insurance company. Most companies offer a variety of low cost plans to fit your budget.

Finally, make sure you choose a reputable, top rated health insurance company. Some of the top carriers include, Blue Cross Blue Shield, Cigna, Humana and Health Net.

Hassle free individual health insurance

admin — Mon, 05 May 2008 17:19:40 +0000

Most people are worried about how to get health insurance on their own. They are unsure of their options, or how to obtain the best plan for their family. It is becoming easier than ever thanks to on line quoting services.

For years, most people obtained their health insurance through their employer. With more and more people now going to work for themselves, they are now forced to get health coverage on their own. Finding an individual/family health plan is now easier than ever through on line insurance brokers like Whitley Benefits.com. They just require you to enter your ages and zip codes, and you can compare hundreds of health plans within seconds. Once you choose the best plan for you, most companies will let you apply on line, or with just a simple application download.

So take the leap on your own! One thing you shouldn’t worry about is finding great health coverage for you and your family.

Health Insurance for Individuals Families and Businesses

admin — Sat, 12 Apr 2008 18:01:20 +0000

Whitley Benefits is a full service health insurance agency. We offer

Individual health insurance and
Group health insurance plans

from all of the top carriers in Arizona, Utah and Nevada including:

Aetna
Altius
Anthem
Blue Cross Blue Shield of Arizona
Cigna
Great West
Health Net
Humana and Humana One
Regence Blue Cross Blue Shield
Select Health (formerly IHC)
United Healthcare and more.

We provide over 40 years of experience to help you save you the most money possible. For an individual instant quote, please click the individual health insurance button. To begin your group plan quoting process, please click on the group health insurance plan button. To speak with us about health plans in Arizona, Nevada or Utah please contact us at (602) 820-7693 or (602) 432-9288 . We would be glad to provide you with a free health insurance review today.svgallery=svgallery=svgallery=svgallery=