Dave Ramsey’s ELP
As the health insurance Endorsed Local Provider (ELP) for Dave Ramsey here in the Kansas City area I am very pleased to find out just how supportive Dave Ramsey has always been towards Health Savings Accounts (HSAs).
How to SAVE MONEY on Health Insurance
Although HSA qualified plans do work very well for healthy people, HSA qualified plans are the type of plans I want and choose for my family knowing that a catastrophic medical condition could happen at any time.
A typical expensive low deductible copay plan exposes high utilizers not only to the deductible, but also coinsurance (the 80/20 part) and unending copays. This in some cases can add up to thousands more than the initial deductible.
Most HSA qualified High Deductible Health Plans (HDHPs) have one deductible for all inpatient, outpatient, office visits, testing, prescription drugs, surgery expenses, emergency room visits and physician services, and then pay all remaining in-network medical expenses at 100% for the rest of that calendar year. So yes, you do have a larger deductible to begin with. But these plans are the only ones that truly have a maximum out-of-pocket. By the time you calculate the annual premium savings these plans offer and subtract that from the annual deductible, these are the best plans you could own for both healthy and unhealthy situations.
So how much money could you be saving each month? If you are self employed or want to find quotes for you or your family, click here. If you are a business owner or a group administrator and are tired of paying too much for health insurance every month, CALL US! (913) 432-2732 or visit www.missionHSA.com.
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