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Healthcare Facts
Healthcare can be complicated, expensive, and downright scary without the right agent by your side. Luckily, you're in the right place!
How much can a quick visit to the ER really cost?
The average cost of an Emergency Room visit in 2022, without insurance and without an overnight stay, was over $3,200 last year. That's more than a year's worth of monthly premiums!
Why is my employer plan so expensive?
Employers offering insurance benefits will contribute to the employees premium, but have no obligation to contribute any amount to a spouse or dependent's portion. The average family saves over $300 per month by having a private policy for the family members who aren't employees.
How much is the average insurance premium?
Surprisingly, the average cost for an individual's health insurance is less than the average cost of their car insurance! Is your car really worth more to you and your loved ones, than you are?
What's the number one cost of health insurance?
The U.S. spends over $3.3 trillion per year on healthcare. According to a recent study, the majority of those costs come from tests and procedures requested by doctors, not out of necessity, but out of fear of liability and lawsuits.
What is an underwritten policy?
Similar to how you can have a lower car insurance premium by being a safe driver, you can also have a lower health insurance premium if you are relatively healthy and viewed as less of a risk by the insurance companies. Underwritten policies are also not based off income, like Marketplace plans are. If you have a higher income, or are healthy, you could be missing out on a lot of savings!
What is a guaranteed renewable policy?
Some policies offer guaranteed renewability, meaning once you start coverage you cannot have your rates raised or "kicked off" a policy due to medical claims. If you are healthy enough to qualify, you can have the peace of mind knowing you will never have to look for another insurance policy ever again!
Radford Healthcare
Wellington, FL
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