Newtown Sq, PA -- (SBWIRE) -- 03/03/2014 -- To stay competitive in today's business world, many small businesses offer group health insurance to their workers as a benefit.

"One of the first things employees want to know, when they are hired by a small company, is what kind of health insurance is available to them and how much it costs," said Clelland Green, RHU and CEO at Benepath in Pennsylvania. "Since this is a perk with short- and long-term benefits, it is important to understand how group health insurance works."

A business owner offers health insurance coverage because they need a competitive edge to attract and retain good workers. With group insurance, employees can take advantage of vision, medical and dental coverage for much less than they would pay for the same coverage individually.

There are two types of small group health insurance plans available: Preferred Provider Organizations (PPOs) and Health Maintenance Organizations (HMOs).

Under PPOs, subscribers take responsibility for a deductible amount before any other medical bills are paid. Those with PPOs may see any doctor they wish within a specific network. Should they need to go out-of-network to see another doctor, subscribers usually pay a higher rate and put in a claim for reimbursement later.

Health Maintenance Organizations regulate whom a subscriber sees and what services they may receive. An in-network provider must offer any services rendered, or those services are not covered. Subscribers under such a plan have a primary care physician managing all medical care who refers them to other specialists as needed. If a patient does not have a referral, the service is not paid for by the insurance plan.

"Group health benefits are more affordable than individual health benefits, largely because the premium costs are shared by the worker and employer. The percentage split may vary from plan to plan, but usually, it still works out to be a cost-effective option. Workers with families will also find group insurance beneficial. Each situation is different, so ask about your coverage when you are hired," Green suggested.

Most individual policies decline to pay bills relating to asthma, cancer or other ongoing health issues. Those with pre-existing conditions may find group health insurance particularly appealing, as such policies do not place the same limits on such conditions.

Learn more at http://www.benepath.com/group-health-insurance/

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown, PA -- (SBWIRE) -- 12/18/2013 -- No one likes discussing life insurance; we all prefer to think we will live forever.

"While it's a given that people shy away from the topics of death and life insurance, the plain fact is that at some point, death does happen. If you have not provided for your family financially, how will they cope with you being gone?" asked Clelland Green, RHU, CEO, Benepath.com.

With that thought in mind, it is best to regard life insurance as a form of risk management. The best way to reduce or mitigate any financial loss to your family is to purchase appropriate insurance products — such as life insurance. One only need look at the life and death statistics per age group (or even per location) to understand that loss can happen when least expected. While insurance products can be complex and policies filled with jargon, one cannot avoid dealing with or buying them. Avoidance will not make the threat of financial loss for a family in the event of a sudden death vanish.

"Everyone, on some level, realizes they need to plan for the future and that it is a serious topic that has a way of creeping up suddenly and catching people by surprise. Yet, nonetheless, people put it off for a variety of reasons. Tomorrow may bring you a surprise you were not expecting. Could your family cope financially with your sudden death?" Green added.

There are a number of options: whole life, term and universal life insurance polices. These policies may be taken out for various amounts, chosen in consultation with an experienced insurance broker who knows what you hope to accomplish by buying life insurance. These products are designed to suit a wide variety of requirements and offer many options. Life insurance is not the problem; it is the solution. It ensures that your family is cared for if something unexpected happens.

"When considering life insurance, take several factors into account before you choose to buy. For instance: what is your cash flow, how old are you, what are you financial goals and do you have discretionary income? These days, life insurance premiums are extremely reasonably priced and easy to buy. It's well spent money to protect those you love," said Green. "Don't be one of the 30 percent of American households without life insurance, or amongst the 68 percent that have zero savings for an emergency."

Learn more at http://www.benepath.com/life-insurance/

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 11/12/2013 -- Millions of Americans are aware they are eligible for Medicare. Many are confused about their choices.

"Choosing the right Medigap supplements does not need to be confusing," stated Clelland Green RHU, CEO, Benepath.com, Pennsylvania. "In fact, we have simplified the process so that when you visit our site for information and quotes, it takes less than a minute to get the answers you are looking for, from Medicare to Medigap quotes, right at your fingertips."

For older Americans seeking expert advice on what choices there are on the marketplace today, it is simple and efficient to gather that information from one website that offers relevant quotes. Those who are 65-years-old are eligible for Medicare. Many are uncertain just what that entails and what other indemnity they may also need to close any of the gaps in coverage.

Medicare itself offers four-part coverage under the headings Part A, Part B, Part C and Part D. Just about everyone knows that Part D covers drug prescriptions. "Less clear is what the first three Parts take care of," outlined Green.

Part A handles things such as hospice care, skilled nursing, in-patient care while in hospital and home health. Part B covers wellness services to promote prevention and visits to a doctor's office. Part C is for optional Medicare Advantage plans that seniors may choose separately.

"If you are receiving Medicare, or about to receive it, you are covered for Parts A, B, and D. None of those parts is completely comprehensive for everything you would need, which is why you also need Medigap supplements to get the kind of full coverage you need for your particular situation," Green said.

None of the services offered under Medicare are free, but they are partially covered by insurance, predicated on how much an individual paid into Medicare when they worked and according to their present level of income. Recipients should also be aware that there may be extra costs, such as co-pays or higher premiums.

Even with the current uncertainty in how health care will be affected by the latest government shutdown, Medicare and Medicaid recipients are covered and continue to receive benefits for the duration. Funding for those programs was set aside to continue financial backing to the states through mandatory appropriations, and thus would not be affected.

Learn more at http://www.benepath.com/medicare-insurance/

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 02/18/2013 -- Health insurance quotes online vary because various companies charge different rates for different coverage.

"Some people find it painfully confusing to shop for health insurance quotes online and find out the prices vary greatly. This is due to a number of reasons, the policy, although you may think it is the same on each site, may not be the same; the market in the company's location can withstand higher rates, or in searching for a quote, you did not give the same information to each company," explained Clelland Green, RHU, CEO, and president of Benepath, Pennsylvania.

In the rush to save money on buying health insurance, some do not stop to fully examine the policy they were quoted on. They look at the price and go for it, even if it is the first thing they see. "The problem with buying the first, cheapest policy one finds is that it may not cover what you need it for, and if you don't ask, what it covers and what it doesn't, and many people don't, you could get stuck later," added Green.

While it may seem repetitive, and it should be, health insurance quotes are just that -- they are quotes based on the information provided by the prospective client. If the information is not complete, or is not accurate, this will affect the quotes. One of the things people need to do when asking for quotes is to use the same information for all insurance providers.

If inaccurate information is offered to an insurance company, and insurance is purchased based on that information, which turns out to be false, this is considered to be fraud. "At that point, should you submit a claim for medications for a condition you did not indicate you had, you run the risk of having your insurance cancelled," stated Green. "Is it worth it?"

Ideally, people searching online for health insurance quotes could conduct a solid price comparison by getting at least three quotes. While many feel they do not have the time to sit and analyze the information, it is vital that this is done. For those that do not know what the policies cover, and are shopping on price alone, going for the cheapest policy may be the worst mistake they could ever make.

Health insurance coverage is about – coverage, and if an individual buys by price alone, they may not get the coverage they need. They may be getting a bare bones policy that barely covers what they wanted, but did not ask about, thinking it was included in the cheap policy they bought. All insurance policies are not created equal. "Take the time to analyze the ones that interest you, ask questions and move forward from there. Never assume that because it is cheap, it is comprehensive," warned Green.

To learn more, visit http://www.benepath.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 02/14/2013 -- Exclusive Medicare supplement leads are best purchased from a reputable online lead generation company.

"There are many online lead generation companies out there that tell you they sell exclusive Medicare supplement leads. Define exclusive. To benepath.net, exclusive means exclusive, and the leads you order only go directly to you. Other companies call their leads exclusive, but as it turns out, you end up working them with at least seven other agents. What a waste of time and money, not to mention the irritation factor – both for you and the harassed potential client," said Clelland Green, RHU, CEO, and president of benepath.net, Pennsylvania

The idea behind exclusive Medicare supplement leads is that only one person gets them and works them. Unfortunately, there are lead generation companies who do not do what their advertising suggests. "Call it misleading if you will, but there are companies that will sell leads as being exclusive when they are not. This costs the insurance agent money they could have spent on buying genuine exclusive leads," Green added.

While it is "buyer beware" in the online world of lead sourcing, it should be automatic for the agent to check the veracity of what that lead generation company states in its advertising. Check with other agents to find out their experiences with various lead generation companies and ask a lot of questions before investing any money into exclusive Medicare supplement leads. If they are not genuinely exclusive, there is no sense in buying them, as they are a waste of time and money – both commodities are a precious resource when running an insurance agency.

Without solid, pre-screened leads, the job of running an insurance agency just got that much more difficult. Certainly, there are other ways to generate leads, with direct mail marketing being one of them, but the real decision to be made is what method will provide leads that convert quickly?

"If you're looking to convert leads on a regular basis, then you want to invest in exclusive Medicare supplement leads. Hands down, they are the best source to build your business, rapidly. You want leads that want and need your product. You don't want to take the time to convince someone they need what you are selling. That is the beauty of pre-qualified exclusive Medicare supplement leads. Call the lead, book the appointment, discuss the products they are considering, outline other options, discuss pricing to budget and close the sale. It's pretty easy," Green remarked.

To learn more, visit http://www.benepath.net

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Square, PA -- (SBWIRE) -- 01/02/2013 -- There are some things a health insurance quote must have, particularly when shopping online.

"Shopping for online health quotes can either be a fun process or a pain. It's up to you which kind experience you have," indicated Clelland Green, RHU, CEO, and President of Benepath, Pennsylvania. "But before you jump into the fray, keep a few tips in mind, and things will go a whole lot smoother for you."

Remember that no two health insurance quotes are ever the same. How could they be when they are for different people, or the same person has provided different information to two or more providers? "What works for the neighbor will not necessarily work for you. So make sure you only use your health information," added Green.

People will want to ensure the agent they are dealing with is licensed to sell and provide insurance. While that may seem like an odd thing to check, life happens. "Be cautious when spending money on something as important as health insurance and make sure the policy received is exactly what you expected it to be," he said. Along with that precaution, be aware that comparing prices and policies is a smart thing to do. The best health insurance quote is the one that offers a policy suited to an individual's specific needs.

Always ask questions. The insurance agent is there to answer them and they know their products intimately. "If in doubt about what a policy provides, how it would cover your particular needs, what it does not cover and how expensive it may or may not be -- speak up. The last thing you want to do is spend money on a health insurance policy that does not meet your needs," Green pointed out.

So many people these days are in a hurry to just get something that covers "whatever." They do not want to spend too much time learning about insurance policies. The problem is "whatever" may not be what happens, and if "whatever" is not covered, "whatever" could be very expensive. "Think twice about your health insurance coverage. It has to actually cover you when you need it," Green said. "No point in paying for a policy that won't pick up the tab later because you didn't check first."

To learn more, visit http://www.benepath.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 12/27/2012 -- While it is tempting to sell health insurance to family members, they are not the only leads available.

"Some agents, when they are just starting out, sell to those they know the best: family members. It's safe and likely results in revenue. However, once you run out of family and friends, it's time for the rubber to hit the road. Warm leads like that are nice, but they do come to an end, and then what? Health insurance leads can be purchased from a reputable lead generation company, and these leads, provided they are exclusive, will build the foundation of your business," states Clelland Green, RHU, CEO, and President of benepath.net, Pennsylvania.

Try to avoid the panic reaction that sets in when family and friends are not interested in any more health insurance; your next move is taking a leap of faith into the world of health insurance leads. "Frankly, you are better off buying exclusive health insurance leads, as they are pre-vetted for you, and you know that they can afford to buy a policy. This is not always the case with relatives, despite them wanting to help you out," Green added.

There is no more knocking on doors, attending endless business lunches and trying to round up references. Technology is here, and there is an easy way to fill the inbox with hot leads that convert. This is an existing market for an aspiring entrepreneurial agent, just waiting to be tapped. The leads are solid, pre-qualified, and ready to buy.

"This is not to say they will buy immediately, although some may, but they will buy over the long haul. That is because you are the first and only insurance agent to contact them. If you take the time to work with your prospects, give them valuable information and provide good customer service, your pay off is a loyal client. It's pretty easy," Green pointed out.

"To make an insurance business profitable, work the exclusive health insurance leads that have the potential to convert to customers – the pre-screened leads that show up in the inbox. Those individuals need your product and are willing to pay for it. With those two things in place, selling health insurance is not so difficult. Just remember, even though most of those leads pay off, you can't afford to be lazy about working them."

To learn more, visit http://www.benepath.net

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Square, PA -- (SBWIRE) -- 12/24/2012 -- Affordable health insurance is on tap in Ohio for young adults. The system is slowly beginning to change.

"It's interesting to watch the individual states response to implementing 'Obamacare.' Some say they will not cooperate. Others have contracted to have health insurance exchanges built, and others have already set up their exchanges," remarked Clelland Green, RHU, CEO, and President of Benepath, Pennsylvania.

Take Ohio for instance, where The Affordable Care Act, nicknamed 'Obamacare,' is credited for providing affordable health insurance to 18 to 25-year olds, an increases of over 5 percent since 2009. Ohio isn't alone in noticing this change. "They are just the most recent to examine their statistics. Overall, there are 36 other states with higher numbers of insured young adults, which can only be a good thing," stated Green.

The Affordable Care Act has a provision in it that lets parents keep their children on their health insurance policy until they are 26-years-old, even if they happen to be married, are not living at home, are eligible for health insurance under an employer's plan, or are still in school. It also has a provision that provides coverage for children 18-years-old, or younger, who have pre-existing conditions.

"Even though a large number of 'Obamacare' provisions don't go into effect until 2014, there are signs of benefits already beginning to accrue to Americans, including increased coverage for youth. It's a step in the right direction, and in some instances, change is the harbinger of good things to come later. It's a challenge to change the health care system as we know it today. Along the way there will be glitches, complaints and misunderstandings. However, in the long run, it holds out the promise of healthier Americans," Green opined.

To learn more, visit http://www.benepath.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Square, PA -- (SBWIRE) -- 12/20/2012 -- With a little creativity, people can find affordable health insurance quotes on the Internet. It just takes a bit of ingenuity.

"While the health insurance market may seem jammed with policies that read like Greek and pricing that doesn't make any sense, you can sort the good from the bad when you're searching online for health insurance quotes. Is it confusing? It may be at first, but if you take the time to read what you find carefully, then once you get used to seeing the various quotes and policies, it gets easier," explained Clelland Green, RHU, CEO, and President of Benepath, Pennsylvania.

The good news is that there is the option to also call the health insurance broker to ask for more details or to ask questions when answers cannot be found online. It's often just that simple. Something that may help before starting to look online is to do some rate comparisons before making a call or buying a policy.

Just because a policy may be inexpensive, it may not be precisely what is needed. Make sure to check that out first and always ask questions about a less expensive policy that looks attractive, but may not be what is needed. An experienced health insurance broker will have the answers at their fingertips.

While it may take some time to track down affordable health insurance, it will ultimately be worth it. "Shoppers will have a series of health insurance quotes to work with, which may cause some confusion at first, but after spending some time with them, they will be able to figure out why the premiums are different. In some instances it may depend on the persons age, health, or whether or not they have pre-existing conditions," Green suggested.

There is no need to decide immediately about what policy to buy. In fact, it is best to take time to consider all the various alternatives. Something else to think about is the advent of major changes coming to the health care system. The whole landscape of health insurance will be changing in 2014 and Americans may find they "must" have health insurance or be fined.

This will mean a lot of competition in the health insurance market. Ask around about the coming changes and what they may mean. "Search for deals, because they will be available, and keep up-to-date on the latest changes and how they may affect you and your family. While it may be overwhelming to think about the different forms of health insurance that may be available in the future, it is smart thinking to do your research now. Knowledge gives you the keys to the kingdom," added Green.

About Benepath
Benepath is the best path to health benefits. They help health insurance shoppers get expert advice from a local licensed insurance agent plus receive instant health insurance quotes to compare.

To learn more, visit http://www.benepath.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 12/18/2012 -- Your customers need to know about Medicare supplement lead scams. Ensure they get the best information when a new scam is making the rounds.

"Medicare is complicated enough without seniors having to worry about the latest scam to take their money, and give them nothing in return," said Clelland Green, RHU, CEO, and President of benepath.net, Pennsylvania. "If it isn't a lottery scam, or a credit card scam, it can be a scam aimed at seniors who qualify for Medicare. When it comes to illegal schemes to rip others off, knowledge is power. Make sure your customers and potential customers know the latest information."

Seniors who get a phone call from someone claiming to be from Medicare -- beware. The thieves on the other end of the line are trying to steal your identity. This scheme is a variation on credit card frauds, and happens in virtually every state. "Callers say they represent Medicare and try to get a senior's personal information, often resulting in financial theft on top of identity theft. It does not seem possible that someone would want to rip off seniors, but it is being done, and more often than we may be aware of," cautioned Green.

To help clients and potential clients, keep on top of the latest fraud information out there. Check the U.S. Department of Health & Human Services Centers for Medicaid & Medicare Services to find out how to report Medicare fraud, visit the U.S. Senate Special Committee on Aging and read the Elder Fraud and Abuse section, or check out the National Consumer Protection Resource Centre and read about their Senior Medicare Patrols, fraud prevention and health care fraud videos. "Arm you clients with the best information on scams you can find. They will thank you for it," Green says.

"Conversely, if you know of a scam, report it, Medicare insurance fraud is a serious crime. Help stamp it out when you find it. Many seniors are too embarrassed to report they were scammed, and that means con artists continue to steal money unchecked. It's your responsibility to take action," said Green.

To learn more about Medicare leads, visit http://www.benepath.net

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown SQ, PA -- (SBWIRE) -- 10/22/2012 -- Many Americans wonder if the Affordable Care Act will be an election winner for Obama. After all, affordable health insurance is a major issue for many.

"This campaign has been interesting to watch, as there are a number of important issues that Americans want to hear about, such as immigration reform, the economy and health care reform. Granted, health care reform was passed, but there is still more to come in 2014. So, many are eager to see if the politicians will discuss affordable health insurance or not," commented Clelland Green, RHU, CEO, and president of Benepath, Pennsylvania.

More to the point, Americans are wondering if the Act will get the incumbent President more votes to move forward with his plans for the nation. The answer lies in the history of what has transpired over the last few years. In 2010, Democrats lost six Senate seats and 63 seats in the House. On a state level, Republicans gained 7 new governors and 680 state legislature seats across the nation. Overall, Republicans snagged 3,941 seats, the highest they have been since 1928 when they landed 4,001.

"Think the health care law had something to do with those numbers? Most people do and are watching 'this' election with fervent interest. It may well be self interest motivating the intense interest in Obama's campaign promises relating to affordable health insurance, but it is clear that this year is one of checks and balances – for the politicians and the electorate," stated Green.

Some say health care reform cost the Democrats their House majority. Some say Obama made a mistake. Most, though, figure he is on the right side of compassionate and well thought-out policy for the nation – a point that may become clear when people better understand what health care reform really means for them, instead of living in fear of change.

"If you rely on polls, you see mixed messages – repealing the law running close to favoring its passage. If politicians relied on polls, nothing would get done. Despite the disparity evident in the nation's point of view about health care reform, they seem to be moving inexorably towards accepting that 'all' Americans may access the health care system in 2014. Many, particularly those without insurance, find that appealing," Green added.

During this campaign, the importance of health care to voters remains paramount. In fact, it will likely be the determining factor in how people vote this time around. It is certainly an election worth watching, because it appears it may be a close one.

To learn more visit http://www.benepath.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 10/06/2012 -- With a business boost using Florida Medicare supplement leads, an insurance agent helps seniors stay healthy.

"These days, Florida Medicare supplement leads are hot items. The nation is graying, and baby boomers have come to a transition point in their lives where they now qualify for Medicare, and also need Medicare supplements to fill in the gaps. It's a captive market, in that health insurance protects a senior's most precious asset – their health," indicated Clelland Green, RHU, CEO, and president of benepath.net, Pennsylvania.

Insurance agents working this niche, and buying Florida Medicare supplement leads, are aware that many, but not all, seniors have reached a point in their lives where they are more financially comfortable; a result of saving all their lives. Provided they are not spending their cash reserves on nursing home care, they are relatively well off.

In reality, they likely also paid relatively little for their house, compared to today's market. Many seniors still own their own homes, fully paid for and mortgage free. "While they are still paying property taxes, gone are the days of handing out cash to pay off their mortgage. What was once a $45,000 home may now be worth $450,000, and although their money is tied up in the house, they may have fewer expenses, which simply means they may have more on hand to buy Medicare supplements," suggested Green.

The beauty of using Florida Medicare supplement leads is the opportunity it provides for insurance agents to sell a worthwhile product that helps their customers. Most seniors want to protect their assets, particularly after a lifetime of working for them.

"Protecting their health is a vital consideration for them, and if you have the right Medicare supplement products, you will be able to sell them. One distinct benefit is Medicare supplements take care of co-payments; a significant issue for seniors, should they become ill," Green added.

Choose a lead generation company with a sterling reputation, and order exclusive Florida Medicare supplement leads for the best return on the investment of business dollars. Even though running an insurance agency is a business, many agents are in this line of work because they genuinely want to help others and see them stay healthy. To that end, many agents also offer seniors long-term care insurance, final expense insurance and a variety of financial planning options. Insurance these days is pro-active and aimed at bettering the lives of clients.

To learn more, visit http://www.benepath.net

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Tampa, FL -- (SBWIRE) -- 08/23/2012 -- "In a world that is virtually upside down these days, personal service in sales is remembered.

Unfortunately, many sales people make the mistake of thinking what is important is the final sale," said Clelland Green, RHU, CEO, and president of Benepath.net. "While the final sale is important, it is not the 'be all, end all.' Personal touches are often what separate you from the ranks of other agents who are bent on sales numbers only."

Take selling insurance, for example. Instead of being viewed just as a way to make money, selling insurance is an opportunity to help people make the right decisions for their health and welfare. It could be a real win-win for you and your customers. And if your business includes buying exclusive Medicare supplement leads, Green has some words of advice.

"Before making the leap into buying exclusive Medicare supplement leads to build an insurance business, it is wise to check out whether or not those leads may be customized to suit your geographic business needs. No sense in buying leads two states away that you can't really service properly," said Green. "Also find out if they are pre-qualified and genuinely exclusive to you only." They should be or the agent will be competing with up to seven others for a sale, which is a waste of time and money.

And don't forget the most important thing: the personal touch. "A personal note of thanks, encouragement or an offer to help by providing more information will be remembered. Ensure your notes are personal and not canned. Take the time to either email a note of your own creation, or send something by snail mail. While it may be a shame that the personal touch seems to have gone the way of the dinosaur, there is nothing saying you can't bring courtesy, kindness, thoughtfulness and genuine caring to the way you do business. The results may surprise you," said Green.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 08/17/2012 -- "We hear this all the time, that the health care reform bill will cover everyone and that we must get insurance in place by 2014 or pay a fine. We know that the Supreme Court just backed ObamaCare, but what many do not know is that the changes coming in 2014 will not cover everyone," said Clelland Green, RHU, CEO and president of Benepath.

Government figures suggest that the expanded insurance coverage will be available for 30 million uninsured individuals in the U.S. However, there are at least 26 million individuals who will still not have coverage. That figure includes illegal immigrants and people who cannot pay out-of-pocket expenses for health insurance.

The Affordable Care Act will expand the number of Americans with health insurance. Medicaid is due to be expanded as well to cover health care expenses for lower-income individuals and those with a disability. Tax credits, available in 2014, are designed to help middle-class U.S. residents buy health insurance coverage.

"Given that the Supreme Court backed the law, it means that roughly 93 percent of legal American citizens will have health insurance in place by the year 2016," said Green. Nonetheless, there will still be millions of illegal individuals who will not qualify for coverage, and many legal residents who will go without it, some by choice and some because they make too much money to qualify for assistance but cannot pay for coverage. Groups that are likely to remain uninsured include illegal immigrants, potential Medicaid applicants and middle-class Americans unable to pay for insurance.

There are more than 11 million illegal immigrants in the U.S. today, but there is no provision for them in the new health reform law, which makes one wonder about the Obama Administration saying illegal immigrants are welcome in the U.S. "They will not be able to sign up for Medicaid, will not be eligible for tax credits and will not be able to use online exchanges. Why? Because they are not citizens," Green said.

Potential Medicaid applicants will hit an all time high of about 77 million by the year 2016. Even though changing the system is supposed to streamline the application process, it is expected that many who qualify will get left behind in the dust, largely due to all the changes, which makes the application process a nightmare.

Even though the middle class will get tax benefits to help them buy health insurance, there are some families that make too much money to qualify for those credits but still do not have quite enough money to buy private health insurance.

"There are a number of wrinkles that will need to be ironed out before the government can truly claim their health care reform will insure everyone in the U.S. Despite that, many view this as a step in the right direction," said Green.

To learn more, visit http://www.benepath.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Square, PA -- (SBWIRE) -- 07/23/2012 -- There is another glitch looming large in the health care system. It is called incivility. "Incivility is the latest, but not the newest, issue to come to the fore in the health care system," Clelland Green, RHU, CEO, and president of Benepath, Pennsylvania, indicated. "It is not new, but it does seem to be getting worse over time. Medical health professionals hand it out and conversely, put up with it, so it's a two-way street with a dead end if this keeps escalating."

Most know incivility to be intimidating, rude, disruptive or unwanted behavior aimed at someone else. It is typically an offensive, hostile or intimidating action that charges the environment in a highly negative manner. It has always been around, but seems to be getting worse. Victims of the potshots taken at them suffer real and distressing symptoms that may include humiliation, stress, depression, anger and an inability to sleep. "Call it what you want, incivility, relational aggression, lateral violence, or call a spade a spade and say that incivility is really bullying, by a slightly nicer name, but not by much," Green added.

Bullies exist in every walk of life and for those who have the misfortune to run across them, they find themselves on the receiving end of abnormally aggressive actions and behavior that allows the individual to get control and power over others. Bullying exits in the workplace, in groups and in individual interactions. In a medical setting, it may be one nurse bullying another, management bullying a nurse, a nurse bullying a patient and vice versa, and the list goes on.
 
The hard, cold fact of incivility is that it shreds workplace morale and interferes with patient safety. This type of behavior in a medical setting is far more widespread than we may imagine. The end result of working in this kind of hostile atmosphere is lower productivity, less inclination to take the initiative and fear, anger and stress and an increase in medical malpractice.

The statistics that show that bullying in workplaces across the nation is highly prevalent, with roughly 37 percent affected by it, at least 12 percent who have seen it transpire, 45 percent whose health has been impacted by bullying and a disturbing number of 40 percent who are subjected to it, but do not report it. "As it relates to the medical health profession," said Green, "the bottom line is civility must be present for there to be professionalism. It is just that simple. Patients do not go to hospital to be subjected to this kind of behavior or attitude. Medical professionals need to get a grip."
 
Benepath is the leading provider of affordable health insurance quotes. Visitors to Benepath.com can get a health insurance quote from top rated insurance companies in all of the United States.
 
To learn more, visit http://www.benepath.com

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 02/17/2012 -- Speaking directly to a local insurance agent clears up any questions a potential customer may have about health insurance quotes.

"While it's a nice thing to be able to surf the Internet and find instant health insurance quotes, all the information you need is 'not' on the websites you visit. There is far too much information about health insurance and the various policies to be able to put it all online. This is why you want to discuss your health insurance needs with an agent. They have the answers at their fingertips," pointed out Clelland Green, RHU, CEO, and president of Benepath in Pennsylvania.

Get ready to call an agent by simply making a list of questions. Most people have pre-existing conditions and will want to know how this will affect their insurance premiums. Many have concerns such as living on a strict budget and they are not sure how to afford health insurance. Typically, health insurance quotes online are helpful to the extent that they offer a general description of policy content and a premium price. However, for the finer details of what is included in a policy, it is best to speak to an agent.

"Been there, done that? Tried to call a big insurance company for information and got the run around through their electronic on-hold message system? Fed up with punching buttons and getting no results? Try a smaller, more personable insurance company. Often they provide superior customer service, and answer their own phones, but may also offer good deals," Green added.

Getting a live agent on the phone will allow lots of time for discussion of things such as learning about the different premiums and options that are possible on the same policy or how it may be tailored to make it the right fit for someone. "It's not difficult to get what you want; you just have to know how to ask for it, what would work for your family and how much you want to pay. Tell the agent right up front what your budget is and take the discussion from there," suggested Green.

For those that take the step of calling an agent and talking about their needs, they also have the opportunity if they like what they hear of buying a policy immediately. Most companies, even smaller ones, offer a customer the choice of paying by using a check by phone or a credit card. It is quick, easy and offers customers one-stop shopping. Aside from the talk a person would have with an agent to get various points clarified, the phone process is just as convenient as the online process.

"Buying online is good. Getting quotes online is good. Finding out everything you need to know is essential, and to be honest, you can't always do that online. Complete the online experience by calling an agent and 'really' find out what the quotes and policies cover. It may well save you some grief later when you discover that what you thought you got, was not what you did get," Green advised.

To learn more, visit http://www.benepath.com. Benepath is the leading provider of affordable health insurance quotes. Visitors to Benepath.com can get health insurance quotes from top rated insurance companies in all of the United States.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 01/11/2012 -- Those who live with pre-existing conditions often have a difficult time getting affordable health insurance.

"I've heard this said many times over: that people with pre-existing medical conditions have a hard time getting health insurance that is reasonably priced. It is not impossible to find affordable health insurance, but it can be a challenge. That will change in 2014," added Clelland Green, RHU, CEO, and president of Benepath in Pennsylvania.

If health care reform stays the course, what will happen in 2014 is insurance providers will be banned from excluding people with pre-existing conditions from getting insurance. However, that is still a full two years away, and does nothing to help the millions of Americans that are deemed uninsurable now.

"To fill in the gap between now and then, the government set up the Pre-Existing Condition Insurance Plan in all 50 states," explained Green. "In simplified terms, the plan offers health insurance to those who have difficulties getting health insurance. The plans offer hospital care, specialty care and primary care, and prescription drugs. This plan with lower premiums would be ideal for many of the almost 57 million going without health insurance. But the odd thing is that less than 19,000 people have opted for this plan."

In an economy that makes even putting bread on the table questionable some months, one would think those who are uninsurable because of a pre-existing health condition would welcome the opportunity to have reasonably priced coverage. However, while this sounds like a great plan at first glance, the stumbling block is the waiting period.

People wanting to switch to this plan must face being without any insurance coverage for at least six months before they apply and that includes COBRA. "Six months is a long time to wait if you have diabetes or a heart condition and need daily medications. Many feel it is too big a risk to take, even if it means they'd be paying less after their waiting period was over," Green pointed out.

There is an option that those caught between a rock and a hard place may find attractive if they want to join the government program. It is referred to as non-insurance health plans. These plans typically market health services to large groups of people and when those who do join officially become members, they have a great deal of buying clout that allows the company to obtain discounted prices for medical services. "In some cases," demonstrated Green, "the discounts can range from 25 percent to 80 percent on vision, dental and medical service, drugs and medical supplies. Some people find that very attractive."

When it comes to costs for going to the hospital, discount companies either pre-negotiate cost reductions for hospital procedures or assign an advocate to negotiate lower costs. "The advocate may also apply for financial assistance to pay the hospital balance off on your behalf, if that is suitable under the circumstances," Green said.

More often than not, the discount medical programs are very affordable, coming in at less than $50 per month for the whole family. Many outfits do not require contracts, and benefits are available on sign up. "You just need to keep in mind that this option is not traditional health insurance. While it may not be for some people, others may find it attractive enough to wait the six month period until they can get the regular health insurance. Ultimately, the choices are yours and you do what you need to do for your health," added Green.

To learn more, visit http://www.benepath.com.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm

Newtown Sq, PA -- (SBWIRE) -- 12/20/2011 -- Taking care of one's health is crucial to financial stability. Without health insurance, that stability is threatened.

"While you may think it is a stretch of the imagination to think you could be in debt so deep there is no way out but bankruptcy, this is a reality in America today," said Clelland Green, RHU, CEO, and president of Benepath in Pennsylvania. "That isn't meant to scare you. It is meant to tell you how it is. Feel free to check this out at http://www.pnhp.org/new_bankruptcy_study/Bankruptcy-2009.pdf, where you will find some startling figures that put the medical bankruptcy problem into sharp focus."

The facts are that medical issues have caused at least 62 percent of all personal bankruptcies filed in the U.S. in 2007. "The cost of medical care has risen sharply since 2007, and continues to rise even as you read this. With those kinds of statistics, the very thought of 'not' having health insurance is frightening," Green added.

Without good health, it becomes increasingly more difficult to hold a job, pay bills, take part in life's daily tasks, keep a roof over one's head and put food on the table. The money that does come into the home is paid out to medical expenses; expenses that eventually overwhelm every other bill an individual or family needs to pay. There is no end to paying medical expenses, largely because they are so high to begin with. "For instance, a broken leg may cost $17,000 and up. With a bill that high and other expenses to meet, people just can't keep up," Green indicated.

While the cost of insurance may seem prohibitive, it is far less expensive than having to pay a $17,000 or higher medical bill. With insurance, the costs are manageable. Without it, the patient is responsible for all the costs associated with a broken leg including, but not limited to, the ambulance bill, medications, x-rays, materials to set the bone, surgery if required, casting, follow-up care and physiotherapy. That would be one whopper of a bill without insurance.

"It is vitally important to carry health insurance, even in tough economic times, unless you plan to add even more fuel to the fire by being involved in an accident or coming down with pneumonia. If you can deal with the mega bills, then you can manage without insurance. Most of us can't, and for this reason, even if it means cutting a few corners here and there in the household budget, it makes good, common sense to have health insurance," stated Green.

To learn more, visit http://www.benepath.com. Benepath is the leading provider of affordable health insurance quotes. Visitors to Benepath.com can get health insurance quotes from top rated insurance companies in all of the United States.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm