| Our Customized Individual & Family Plans Include: |
 | Choice of Co-Pays, Deductibles & Co-Insurance | |
| PPO Networks nation wide include Doctor's Offices & Hospitals | |
| Presciptions Drugs, ER visits, Labratory Services, Vision Care | |
| Preventive Care, Urgent Care, Hospital Care | |
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| Affordable Individual Health Insurance |
If this is your first time shopping for health insurance for yourself or your family, you'll
soon discover that at Turning Point Benefits Group, we make buying affordable health
insurance easy! Just complete the form below to get instant low cost health insurance
quotes from multiple companies. Your privacy is very important to us. We will never
share your information with anyone.
soon discover that at Turning Point Benefits Group, we make buying affordable health
insurance easy! Just complete the form below to get instant low cost health insurance
quotes from multiple companies. Your privacy is very important to us. We will never
share your information with anyone.
| Turning Point Benefits Group Copyright 2008 |
| Get Your Free Quotes Now! |
We work with all the major health insurers in many states across the country including:
Blue Cross Blue Shield, Humana, Coventry Wellpath, Aetna, Assurant, United
Healthcare and more. We will help you shop around to find the best price and the best
coverage.
Covering costs such as hospital bills, emergency room fees, doctor visits and prescription
drug costs, health insurance allows the policyholder to seek medical help when needed
and get supplemented by the carrier for the cost of treatment. Though by no means
required, studies reveal that those who carry health insurance remain healthier than
those who don't. Due to the rising cost of medical care today, health insurance has
become a necessity for staying healthy and strong. Health insurance quotes help keep
costs competitive.
Most people who have always been covered under a group health insurance plan don't
realize how expensive and how confusing buying health insurance can be. There are a
lot of moving parts of an insurance policy to consider, and they all have an effect on the
monthly premium.
Some of the customizable factors of an insurance policy that can effect your premium
include: office copay's, deductible's, coinsurance, presciption drug benefits, and many
more. See our glossary of insurance terms to get more information on different
components of health insurance policies. Your insurance agent at Turning Point Benefits
Group will help you choose a policy that has the benefits that you need, at a price you
can afford.
Many individuals and families are finding it difficult to obtain low cost health insurance in
North Carolina & South Carolina today. We run into individuals and families quite often
where at least one member of the family has a medical condition, or has had one in the
past that makes them un-insurable. While "un-insurable" sounds like a pretty scary thing
to be, it doesn't take much these days do get declined for health insurance, or seriously
rated-up.
If someone has ever had a heart attack, a stroke, cancer, diabetes, or a host of other
diagnosed conditions, it can be almost impossible, or at least cost prohibitive to get
health insurance. Some states, like South Carolina, have a health insurance pool for
people who are otherwise un-insurable. Anyone can obtain insurance through pools like,
however the monthly premiums are usually very high. North Carolina does not have a
state health insurance pool, but they do have one insurance company who is a
guaranteed issuer of traditional health insurance. Blue Cross Blue Shield of North
Carolina is the guaranteed issuer for North Carolina. While anyone can get health
insurance through Blue Cross Blue Shield of North Carolina, monthly premiums can be
very high if a person has some of the medical conditions mentioned earlier. For free
quotes from Blue Cross Blue Shield of North Carolina, complete the form on this page.
Buying Affordable Health Insurance for Your Children
Dow Jones Newswires reporter Victoria E. Knight writes about the financial implications of health-care
issues.
Employers subsidize employee-only coverage at higher rates than other coverage
options, such as family coverage, according to a survey by the Kaiser Family Foundation
and the Health Research & Educational Trust.
In the private market, premiums for children’s policies are typically the lowest. In most
states, your age and health status are the main factors insurers look at when determining
who gets coverage and at what rates.
Employees at smaller firms are more likely to find it cheaper to get children covered by
private policies. Smaller employers tend to subsidize employee-only more generously,
and family coverage less generously, than larger firms.
Covering healthy children separately can also be a money-saving strategy if you lose
your health benefits along with your job and you need to keep the health plan you had at
work for medical reasons. Under the federal Consolidated Omnibus Budget Reconciliation
Act, or Cobra, you can purchase coverage for up to 18 months if you’ve been laid off (if
your company has 20 or more employees). You have to pay the full premium plus a 2%
administration fee. For an employer plan this year, the average annual family premium
was $12,680, and $4,704 for single coverage, according to data from Kaiser/HRET.
There are caveats. Private policies can turn out to be more costly overall because they
cover fewer medical services and out-of-pocket costs beyond the premium, such as co-
payments, tend to be higher. Typically, the cheapest policies are plans with the highest
deductibles, expenses consumers must pay before coverage kicks in.
Such policies don’t provide the same legal protections as group policies do. Under
federal law, in an employer-sponsored health plan you can’t be denied coverage on
medical grounds. By contrast, in the majority of states, private policies can permanently
exclude pre-existing conditions, such as allergies, or deny you coverage for chronic
illnesses, such as diabetes. So don’t drop job-based insurance for your kids unless you’
re sure they’ll be approved at reasonable rates. Premiums can also vary widely by state.
Call your state insurance department to check that the insurer is licensed in the state
where you live and get information about any complaints. And if your income is modest,
don’t forget to check out government-sponsored programs for uninsured children.
Blue Cross Blue Shield, Humana, Coventry Wellpath, Aetna, Assurant, United
Healthcare and more. We will help you shop around to find the best price and the best
coverage.
Covering costs such as hospital bills, emergency room fees, doctor visits and prescription
drug costs, health insurance allows the policyholder to seek medical help when needed
and get supplemented by the carrier for the cost of treatment. Though by no means
required, studies reveal that those who carry health insurance remain healthier than
those who don't. Due to the rising cost of medical care today, health insurance has
become a necessity for staying healthy and strong. Health insurance quotes help keep
costs competitive.
Most people who have always been covered under a group health insurance plan don't
realize how expensive and how confusing buying health insurance can be. There are a
lot of moving parts of an insurance policy to consider, and they all have an effect on the
monthly premium.
Some of the customizable factors of an insurance policy that can effect your premium
include: office copay's, deductible's, coinsurance, presciption drug benefits, and many
more. See our glossary of insurance terms to get more information on different
components of health insurance policies. Your insurance agent at Turning Point Benefits
Group will help you choose a policy that has the benefits that you need, at a price you
can afford.
Many individuals and families are finding it difficult to obtain low cost health insurance in
North Carolina & South Carolina today. We run into individuals and families quite often
where at least one member of the family has a medical condition, or has had one in the
past that makes them un-insurable. While "un-insurable" sounds like a pretty scary thing
to be, it doesn't take much these days do get declined for health insurance, or seriously
rated-up.
If someone has ever had a heart attack, a stroke, cancer, diabetes, or a host of other
diagnosed conditions, it can be almost impossible, or at least cost prohibitive to get
health insurance. Some states, like South Carolina, have a health insurance pool for
people who are otherwise un-insurable. Anyone can obtain insurance through pools like,
however the monthly premiums are usually very high. North Carolina does not have a
state health insurance pool, but they do have one insurance company who is a
guaranteed issuer of traditional health insurance. Blue Cross Blue Shield of North
Carolina is the guaranteed issuer for North Carolina. While anyone can get health
insurance through Blue Cross Blue Shield of North Carolina, monthly premiums can be
very high if a person has some of the medical conditions mentioned earlier. For free
quotes from Blue Cross Blue Shield of North Carolina, complete the form on this page.
Buying Affordable Health Insurance for Your Children
Dow Jones Newswires reporter Victoria E. Knight writes about the financial implications of health-care
issues.
Employers subsidize employee-only coverage at higher rates than other coverage
options, such as family coverage, according to a survey by the Kaiser Family Foundation
and the Health Research & Educational Trust.
In the private market, premiums for children’s policies are typically the lowest. In most
states, your age and health status are the main factors insurers look at when determining
who gets coverage and at what rates.
Employees at smaller firms are more likely to find it cheaper to get children covered by
private policies. Smaller employers tend to subsidize employee-only more generously,
and family coverage less generously, than larger firms.
Covering healthy children separately can also be a money-saving strategy if you lose
your health benefits along with your job and you need to keep the health plan you had at
work for medical reasons. Under the federal Consolidated Omnibus Budget Reconciliation
Act, or Cobra, you can purchase coverage for up to 18 months if you’ve been laid off (if
your company has 20 or more employees). You have to pay the full premium plus a 2%
administration fee. For an employer plan this year, the average annual family premium
was $12,680, and $4,704 for single coverage, according to data from Kaiser/HRET.
There are caveats. Private policies can turn out to be more costly overall because they
cover fewer medical services and out-of-pocket costs beyond the premium, such as co-
payments, tend to be higher. Typically, the cheapest policies are plans with the highest
deductibles, expenses consumers must pay before coverage kicks in.
Such policies don’t provide the same legal protections as group policies do. Under
federal law, in an employer-sponsored health plan you can’t be denied coverage on
medical grounds. By contrast, in the majority of states, private policies can permanently
exclude pre-existing conditions, such as allergies, or deny you coverage for chronic
illnesses, such as diabetes. So don’t drop job-based insurance for your kids unless you’
re sure they’ll be approved at reasonable rates. Premiums can also vary widely by state.
Call your state insurance department to check that the insurer is licensed in the state
where you live and get information about any complaints. And if your income is modest,
don’t forget to check out government-sponsored programs for uninsured children.
Finding affordable health insurance for your children
can feel like an uphill struggle as health-care costs rise
and family finances tighten.
If you’re finding it hard to make ends meet and your
children are healthy, but you and your spouse have
medical problems, electing employer-sponsored
coverage for yourselves and purchasing separate
policies for your children might reduce the hit on your
paycheck.
can feel like an uphill struggle as health-care costs rise
and family finances tighten.
If you’re finding it hard to make ends meet and your
children are healthy, but you and your spouse have
medical problems, electing employer-sponsored
coverage for yourselves and purchasing separate
policies for your children might reduce the hit on your
paycheck.
We respect your right to privacy. We do not and will not sell or rent your information to any
outside party. By completing this form your are agreeing to the Terms & Conditions of this site.
Privacy Policy. If you should ever choose not to receive any additional communication from us
you can email us here: optout@turningpointbenefits.com
outside party. By completing this form your are agreeing to the Terms & Conditions of this site.
Privacy Policy. If you should ever choose not to receive any additional communication from us
you can email us here: optout@turningpointbenefits.com