Become Part of a Group Health Insurance Plan Video

How to Become Part of a Group Health Insurance Plan

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Become Part of a Group Health Insurance Plan -

Learn how to become part of a group health insurance plan in this video with Bob Hurley from eHealth...

Become Part of a Group Health Insurance Plan -

Learn how to become part of a group health insurance plan in this video with Bob Hurley from eHealth Insurance.

Added: 8/3/09

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Become Part of a Group Health Insurance Plan bob hurley ehealth insurance group health insurance plan health insurance health insurance account health insurance coverage health insurance payments Health Insurance Plan hsa insurance medical insurance monkeysee premium health insurance work insurance

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How to Become Part of a Group Health Insurance Plan

Male: Is it better to join an association and become part of a group health insurance plan? Bob: I get asked all the time, you know, as an independent writer, should I join, you know, the association of writers because I get access to a health insurance plan. And typically, I wouldn’t join the association just for the sake of getting a health insurance. And the reason for that is often times the rates for an association are gonna be often times higher than what you can actually get on your own. And the reason for that is, once an association develops over time, that association now is being rated base on the health condition of all the people that are in that association, and so the prices start to creep up to typically on those associations and so if you’re a healthy person and you feel that you can be underwritten successfully and what that means is you don’t have any serious pre existing conditions, you can usually do better on the price if you just simply go out and apply for health insurance on your own and get your own policy. Now, with that said, if you are somebody though that has the health condition, some kind of pre existing condition, then your best bet maybe to join an association and try to rip the benefits of that association membership by, you know, tapping on to their health insurance program that they make available.

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Male: Is it better to join an association and become part of a group health insurance plan?
Bob: I get asked all the time, you know, as an independent writer, should I join, you know, the association of writers because I get access to a health insurance plan. And typically, I wouldn’t join the association just for the sake of getting a health insurance. And the reason for that is often times the rates for an association are gonna be often times higher than what you can actually get on your own. And the reason for that is, once an association develops over time, that association now is being rated base on the health condition of all the people that are in that association, and so the prices start to creep up to typically on those associations and so if you’re a healthy person and you feel that you can be underwritten successfully and what that means is you don’t have any serious pre existing conditions, you can usually do better on the price if you just simply go out and apply for health insurance on your own and get your own policy. Now, with that said, if you are somebody though that has the health condition, some kind of pre existing condition, then your best bet maybe to join an association and try to rip the benefits of that association membership by, you know, tapping on to their health insurance program that they make available.

Transcription by: Scribe4you Transcription Services