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Health Insurance Quotes Tennessee Question & Answers

2013 November 4
by Sarah Fields

Richard asks…

How to find the best life insurance quote?

Sarah Fields answers:

You should consult a Life Insurance Agent. Every company is going to have a different rate depending on your age, health and sex. Also the premium is going to depend on the amount of insurance you want to purchase and the type of policy you decide on. Term is generally the least expensive when your young but get progressively more expensive as you get older. Whole Life is more expensive upfront but stays the same price throughout the contract. You can also get a Universal Life product that uses term insurance and cash value. Just be sure that you put enough money into the UL in the beginning years or it is possible that the policy will run out money taking your insurance with it.

If you are in the state of Tennessee let me know I would be happy to get some rates for you to consider.

Helen asks…

health insurance ?

Whats a good and affordable health insurance in nashville tennessee
for a family like family pack

Sarah Fields answers:

You need a trusted adviser to help you through the process so that you understand what you are purchasing. Some may suggest going on line to get a quote but there is so much more to this decision than price.

The first thing you need to determine is how much you will participate in sharing the cost of your health care. This ultimately determines the affordability of your health insurance plan.

If you choose a plan that covers everything i.e. Doctors office visits, prescription drugs, preventative health benefits, maternity coverage and you choose low deductibles and low copays your monthly premiums will be significant.

On the other hand if you and your family are young and healthy and rarely use the health care system you are able to consider a plan that covers the major health catastrophe which will result in relatively low premiums. You can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead.

Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation. If they don’t handle health insurance they could refer you to a trusted colleague.

If you want to use the Internet use it to educate yourself but use an agent to purchase the coverage.

Carol asks…

Will you remember the “backdoor deals” that passed Obama marxist health care (like this one) at election time?

http://news.yahoo.com/s/ap/20100325/ap_on_bi_ge/us_health_care_overhaul

quoting…

By 57-42, Democrats rejected an amendment by Sen. Tom Coburn, R-Okla., barring federal purchases of Viagra and other erectile dysfunction drugs for sex offenders. Coburn said it would save millions, while Sen. Max Baucus, D-Mont., called it “a crass political stunt.”

Democrats also deflected GOP amendments rolling back the health law’s Medicare cuts; killing extra Medicaid funds for Tennessee and other state-specific spending; barring tax increases for families earning under $250,000; and requiring the president and other administration officials to purchase health care from exchanges the statute creates.

………………………………………………………………………………………………………………..

how do you feel about drugs now being federally funded for sex offenders and obama not being required to submit to his own marxist health care agenda?

Sarah Fields answers:

It’s amazing how people do not retain the bad things. Come November when all the elections will take place, our very fickle American public will probably have forgotten everything.
One thing that is very important for all to remember is that health care plans renew each January and the people who will shrug their shoulders and vote back in some of these traitors who voted for the health care plan will not be hit with the massive increase in premiums due to all these changes until AFTER the Nov. Elections. They will say to themselves, “oh look, nothing bad has happened and they made these changes as far as preexisting conditions and covering this one and that one”. Then, two months after the election, kaboom! They will be kicking and screaming that these people “robbed” them of their money and there will then be little to do but pay the piper. Of course, if you can no longer afford your insurance and drop it, you will be fined and put in jail. Go figure.

Lots of the stimulus money that has gone unspent is being strategically held back to spend right before elections to make them all look better. It’s a really lethal game they are playing with our money and our lives. Vote out ALL incumbents.

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