How to find affordable health insurance coverage on a budget

Hey how you guys doing out there it's me vince gaddis the health insurance guy where i help individuals business owners as well as families build the best benefit plan that you could find anywhere else because it's built for you build by you and take it around you and your needs and in this video i'm going.

To show you guys how to find the most affordable health insurance plan that won't break the bank and how to obtain it now first things first i'm going to walk right into it and i'm going to explain how this works now a lot of people open enrollment has just recently in a lot of people.

Go for those plans through obamacare through the marketplace and those plans can be affordable if you qualify for a subsidy so if you qualify for a subsidy nothing is going to probably be a plan that's going to be more affordable than the plan that you can get.

Subsidies for or a plan that you can get benefits for that's going to help you pay for that plan now a lot of those plans are hmo plans i talk a lot about hmos and i talk a lot about ppl plans hmo plans is only going to allow you to go to certain doctors they're only going to allow you to go to a certain network so if you go outside.

Of that network it's like not even having health insurance in the first place unless it's an emergency circumstance so if you're a truck driver and you travel stations travel um statewide those plans might suck for you so with affordable health coverage what i'm talking about.

Is i specialize in private health insurance i can get you an obamacare plan if you qualify for it outside of open enrollment but but i specialize in private health insurance so you don't have to deal with the government you don't have to deal with um someone asking about what your income.

Is how much money you made and then if you make too much money they're hitting you with the some sort of penalization at the end of the year i don't want you to have to deal with that so as far as affordable health coverage with the private health insurance plans the difference between the private health insurance plans compared to the.

Obamacare plans is number one the private health insurance plans are ppl plans it's gonna allow you to go to any doctor that you choose to so if you travel outside of the state you don't have to worry about being outside of your network you got doctors and physicians that you can visit and not have to worry about.

Anything also one of the really good things is you can go directly to a specialist without a referral with the hmo plans a lot of them you have to have a referral in order to go to a specialist so let's just say they did a physical on you they found.

The tumor they're not really sure what the heck is going on they have to fill out a referral to go to a neurologist in order to find out what's going on within your head and the thing is who knows what the heck is going on in your head that might take you know.

Uh as far as for the referral to even visit that doctor that might take two months you might not even have two months to live you want to go directly to the source and get that out the way so why wait when it comes to your body because your body is the most important asset that you have over.

Everything and what i mean everything i mean everything your body is the most important thing i'm not talking about your kids i'm not talking about your spouse we're talking about you because if you're not working if you're not work you're not taking care of your body you're not taking care of yourself.

Everything else goes to the wayside everything else falls so your health is the most important thing also with the private insurance plans you would have to qualify for one of these plans meaning that you have to be in pretty good health condition you don't have to be tip top shape or anything like that but you would have to.

Qualify for it because again they have the right to deny you they have the right to accept you if you take the wrong type of medications if you have certain type of disorders they won't approve you some plans do approve you depending on where you go so i'm a broker so i'm able to look at.

The different private insurance carriers that are out there some private insurance carriers might accept you with diabetes some private health insurance carriers might not accept you with diabetes it just depends on when i'm gathering information and then as i gather information i'm able to.

Place you in the different types of products that's based around your needs that's why in the beginning of the video i always say hey you know we've helped build a benefit plan to fit around your knees because it's built for you build by you and tailor it around your.

Knees everybody's circumstance everybody um life lifestyles help it's different so it's not a one size fit all type of thing when you're a broker you know it's not a one size fit all when you're doing your job you know a lot of people when they're captive agents they can only.

Sell one product they can only sell one thing and in their mind because this is all they got it's the best thing but i know what everybody got so if you are looking for a health insurance plan you are looking for something that your doctor is actually going to accept because i know you guys out there you a.

Lot of you guys got these marketplace plans and i'm telling you i had one go to a doctor a lot of the doctors don't take these plans a lot of the doctors are walking out of the obamacare plans or walking out of the marketplace plans because they're not paying their claims as fast.

As they want to get paid and the doctors they have the option to walk out of those plans or to say hey i don't even want to deal with the marketplace the more they might not even like the people that come to their clinic so they have the option to do whatever they want with that so again if you are looking.

For health insurance a plan that your doctor is going to accept the plan you don't have to worry about who you need to go to reach out to me at 404-689-2322 that's 404-689-2322 or book an appointment with me at www.getnextdayhome.com that's www.getnext.

I'm my regular clothes you already know i'm always trying to get in the gym i'm always trying to take care of this body because again your help is the number one thing that is all your responsibility take care of your body take care of your body take care of your mind.

And improve it you know get you some health insurance go to the doctors that you want to go to go to the doctors that's going to give you the best the best the best diagnosis on what's going on your body because again all doctors they're not considered equal don't think that all doctors are considered equal.

Because they have the md behind their name no i'm going to make another video talking about how to find the best doctors because a lot of people they don't know what a good doctor is and a lot of these doctors unfortunately unfortunately are misdiagnosing you guys especially when we're talking about.

Thyroid issues and that's a whole other topic i'm going to talk to you guys about that in a minute so again if you are looking for health insurance reach out to me at www.getnextdayhealth or give me a call at 404-689-2322
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