Shop Before You Buy

Posted on September 29, 2011 by jpkushadmin

The more you know about what you want and what’s out there before you go shopping the better. There are not many people out there that like to head right into a store and get instantly bombarded by a sales person before having a really good idea of what it is they are looking for. That is why we perked up when we found a handy website put together by the Foundation for Health Coverage Education, www.coverageforall.org.

It’s not as exciting as car shopping or shopping for the latest gadget that you must have.  But, let’s face it whether you admit it or not, if you don’t get health insurance through work you’ve more than likely put some level of thought into what it would cost to get your own coverage and if there really is a plan that would give you decent coverage for a price you can actually afford.

The nice thing about sites like coverageforall.org  is that, it provides a great resource for those that want a good idea of what health coverage options are available before going directly to an insurance company or agency. You get to do your homework first, find out great information about what is out there before ever stepping your foot inside a store.

Cool ways this particular organization provides you with good info is through an interactive “Health Insurance Eligibility Quiz” to help you find affordable health insurance options in your state. After answering five questions about your household, the site provides you with a customized profile that includes the public and private health plans in your state for which family members in your household may qualify.

The second best thing to zero is something better than bad. So if you know you should be looking at health insurance options to find something right for you, you will start working on something better than bad,( bad being the current position you are in now of having no coverage at all). And then you’ll inevitably redefine bad as you continue to find better options and then the next health insurance solution and option you discover will be better than that. And on and on. You will soon find your best.

If you want to begin your search for the best health care plan solution for you, check us out at www.jpkush.com too; for great, free quote tools.

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Health, Happiness and Saving Some Dough

Posted on September 21, 2011 by jpkushadmin

Depending on who you talk to about health insurance you might hear the question, “why should I pay more for my insurance to cover the cost of someone who is not as healthy as me?” Another growing school of thought by individuals that strive to live a healthy life with plenty of exercise and healthy eating habits is on whether or not they pay less for health insurance because their healthy habits keep them out of the doctor’s office and away from needing health related prescription drugs. Fair? Wholefoods Market, is one leading, grocery company that seems to think so, with their weigh less, pay less program; which was reported by Whole Foods Market on the company blog. You can find that full story at http://wholefoodsmarket.com/pressroom/blog/2010/01/20/health-starts-here%E2%84%A2-launches-at-whole-foods-market%C2%AE/

What does this mean for you even if you are not an employee at Whole Foods but want to save money? At J.P. Kush and Associates, we are required to be up with all of the latest health insurance policy and regulations; so we already know that people that are healthy, that rarely go to the doctor’s office and that rarely use any costly prescription drugs are already paying a notable amount less each month for their health insurance due to the lower amount of costs associated with them within the health care system. So this week our blog isn’t really to share anything new but rather bring up something that is common knowledge to us in the industry, but that many people in America are just not aware of.

It feels good to share good news to those of you working hard to live a healthy lifestyle and we are glad to share the news that you do indeed pay less for health care coverage premiums each month as a result of your good health. The actual dollar amount varies but we can say that the savings you receive each month is a enough to cover some of the healthy fresh produce items you love to get every time you head to your favorite places to shop like, Wholefoods. So, if you occasionally wonder if the extra dough you spend on food at specialty stores is worth it; know your healthy way of living helps you balance out the cost of these types of simple pleasures in your life, just by the healthy way you eat. The next time you head to the store, grab your grocery cart and fill it with your favorite fruits and veggies with a smile because this is the kind of thing that is adding more than years to your life, more pep in your step, helping you head into your 50’s looking 40 and it’s also helping you save money on the less exciting expenses in life like health insurance.

To probe further into this school of thought, check out sites like about.com and their links like: http://healthinsurance.about.com/od/savingmoneyonhealthcare/a/save_on_private_insurance.htm to find other helpful insights and tips on ways you can save on health insurance. We are a savvy nation, with access to plenty of information. So checking out all of the options available and ways to save is always a good start no matter what purchase you make.

 

Article written and provided to you by your friends at: www.jpkush.com

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Uninsured Workers in Michigan. Why Not Pave Your Own Way to Health Care Benefits?

Posted on August 26, 2011 by jpkushadmin

 

Many people in the work force assume the only way to enjoy some of the benefits in life is to receive employer offered benefits. Think about it. One of the most popular questions asked when we talk about a new job opportunity is: “does the job come with benefits?” With many companies struggling to cut back on costs in an ever changing competitive market place the answer to this question, in many cases, is; “no.” There is also the ongoing assumption in America that unless our employer offers health care and retirement benefits we are destined to go without it. To which, you may want to consider asking; “says who?” Isn’t this is a bit of stark contrast to some of the principles that many generation X and gen Y’s in the market place stand for?

Today, many ambitious, fearless professionals are paving their own way into market places, they are more creative and innovative than past generations, with a spirit that doesn’t just count on the big man for a place in life but is rather challenging the “big man” of corporate America by leading the way to new solutions and innovative ways of thinking in business. So, this month J.P. Kush is looking at some of the realities of Michigan’s market place in relation to the number of incredible workers here in our great state that are going without insurance simply, because the big man isn’t offering it to them. To which, we are saying, why wait for this benefit in life: get it yourself. You are savvy, daring and innovative at finding ways to create your own solutions and paths in life. So, why wouldn’t you be doing the same to find peace of mind in regards to your health care needs?

Let’s look at some of the numbers on this topic. According to the, Uninsured Report, by the Michigan Department of Community Health and the U.S. Census Bureau; employees at firms with fewer than 100 employees represent half (50.9) percent of the working uninsured and 34.2 of the private self employed workforce. Workers at smaller firms have the greatest risk of being uninsured. To look at these numbers a bit closer: 20.5 % of self-employed workers are uninsured, 21.9 % of workers who work for a company with 10 or less employees are uninsured, 17.4% of workers who work for a company with 24 or less employees are uninsured and 12.1% of workers who work for a company with 100 or less employees are uninsured. These are considerable numbers and J.P. Kush is on a mission to get to know all of the workers in Michigan that are working hard but are not enjoying the peace of mind that comes in life by having coverage if an accident or illness is to occur.

A question also arises from experts in the field, like J.P. Kush, because we know the ins and outs of the Health Care industry and that affordable health care plans and coverage exists for individuals. If this group of uninsured individuals are as creative, perceptive, savvy, daring, innovative and solutions driven as we know they are; how come so many of these workers in Michigan that are self employed or that work for small firms have not taken the time to discover the solutions that exist for them? Perhaps, the word of health care sends chills down your spine and you can’t break the shiver long enough to look into what options are out there. Perhaps, you are waiting for a national health care plan to be offered for the first time in our countries history. Well, national health care isn’t happening anytime soon and in the mean time there are plenty of options that are available; many of which cost less than $130 a month for the average worker and are offered by many of the top insurance carriers like Humana One, Blue Cross Blue Shield and Aetna ,to name a few. So, with this in consideration, the next step is to get to know what is actually out there, which is where independent insurance agents like J.P Kush and Associates come in. Our agents actually enjoy scouring all of the health care plans available and finding the one for you, so that you don’t have to deal with the headache or the chills that ensue when you think of doing the homework on your own. Share some of your questions and concerns with us or at the very least start doing some of the homework on your own so that you can put an end to going without something that you can more than likely, easily have in life.

Hopefully, armed with this information and a jolt of inspiration, many of you hard working individuals in Michigan that are currently uninsured are now one step closer to heading into a conversation with your friends and relatives, with the ability to say; “yeah my health plan covers that too for about the same price and I’m not working for the big man to get it”.

 

 

 

Your friends at www.jpkush.com

Reference:

Characteristics of the Uninsured and Select Health Insurance Coverage in Michigan. The Uninsured at a Glance. Michigan Department of Community Health, 201, Townsend Street, Lansing Michigan 48913. Website Link:http://www.michigan.gov/documents/mdch/UninsuredReport_Uninsured_Brief__2006__-_REV2_192809_7.pdf

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Where is The Best Place To Learn About Health Insurance?

Posted on July 12, 2011 by jpkushadmin

 

Most people don’t know very much about health insurance. People that aren’t sure where to begin will either continue to go without it or they end up going to the first health insurance company they find, get one health insurance quote, sign up for the first plan they see, and think they made a good decision. But, simply going with your first option when purchasing anything in life, is rarely the best approach if you want an option that is best for you. It pays to do some research before you start looking for a policy. You need to make sure you understand how the industry works, how premiums are determined,  who the most reputable Healthcare providers are, where you can go to purchase a plan and what to look for when signing up for a policy. But, where can you find this information? Well to help do some of the homework for you and give you a good set of cliffs notes to J.P. Kush put together a list of the top 3 sources for information on health insurance.

The Internet

The Internet is the number one source of information in the world so naturally it is also a great first source for information on health insurance. There are thousands of pages of information that will help make your health insurance decision a lot easier. You can even get all your health insurance policy quotes online without leaving your computer. For example Many good websites like jpkush.com will include Online Quote tools to provide instant quotes on health and life insurance. The quoting tools use proven systems that pull policy and pricing information from multiple, top insurance carriers in your area, all at once. Tools like this help take the headache out of getting and comparing insurance quotes because you are able to compare all of the products, services and prices available and find the one that is the best fit for you before you make a purchase decision. The more you are aware of the options available from all of the healthcare carriers in your area the more informed your decision becomes.

 

Friends and Family

Your friends and family are always a good source of information when it comes to many of life’s lessons including health insurance. Your 21 year old cousin may not have a clue yet on the topic. But, you can ask older people in your circle of friends and family that are in their 30’s or older or that have started into their careers or have started their family. Ask these friends and family members what Healthcare insurance they have and find out what their opinion is on certain things and get pointers from them on what you should look out for. This shouldn’t be your only source of information, but it provides great additional outlook and feedback from people and their own personal experience in addition to the gained understanding you gather from the internet on healthcare.

 

Your Local Insurance Broker or Independent Insurance Agent 

Once you have done some initial homework online and have asked friends and family for insight you should check with an Independent Insurance agent, like a J.P. Kush and Associates before going directly to only one Healthcare carrier. Why? Independent Insurance agents offer unbiased information because they represent multiple Healthcare insurance products from multiple Healthcare carriers. For example, J.P. Kush provides Healthcare options from Aetna, Humana and BlueCross BlueShield. Each of these carriers are very reputable and offer some of the best healthcare coverage plans in the industry. But rather than calling each Healthcare provider one by one and hearing only about their options, an independent agent pulls up information on all of the plans and pricing available from each carrier and compares their plans with you one by one. Where, a large Healthcare Insurance company will want to spend the bulk of their time talking about their plans only.

In reality, all the information you need to get a great health insurance policy is available online and can be reviewed with an independent agent once you are ready to make a decision. You can search through several website pages dedicated to health insurance online, get quotes online, and even sign up for your whole health insurance policy online once you are ready to buy. You can even type in your zip code in the quote tool on the Jpkush.com page, click submit, and you will get a health insurance quote instantly. The whole process really is that simple. Lack of knowledge is not a reason to continue living without health insurance. Do some research, decide what your needs are, insert your zip code and info into the quote tools like those on jpkush.com, click submit, and get started today on knowing what your options and prices available are.

Your friends at jpkush.com

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J.P. Kush Is Now Blogging

Posted on July 1, 2011 by jpkushadmin

Hello world,

Today marks the first day J.P. Kush and Associate is embarking into the web with our new blog to share our passion and expertise of the world of Health Care Insurance and Life Insurance. We do all of the homework on all of the latest insurance options available, what large Insurance carriers offer the best polices at the best price. As crazy as it may sound we also enjoy reading  through all of the boring information on new state and government policies, regulations and reforms and how they impact companies and consumers at every level so that we can pass that information on to you in a way that is easy to understand. Think of us as that really smart kid you sat next to in class that you were always glad you could turn to for help on your finals. The J.P. Kush blog is one of the places we come to connect with you so that we can share all of the good answers you need to get an A+ in insurance.

 

 

We provide insurance in multiple states but our, main J.P. Kush office is located in Troy Michigan, right off of Exit #69 on Big Beaver Rd.  A land mark exit to many for the smile it puts on people’s faces when they think of how this brilliant combination of numbers and words was either a pure coincidence or a well thought out, creative plan to help people never forget the road. Well it’s our job at J.P. Kush to take a similar approach to the services we provide, to getting to know your road in life and how to pair you with coverage that gives you peace of mind as you travel on down it. We take pride in being a little more creative and thoughtful in the approach we take to the services we provide to each and every customer that we are fortunate to do business with so that you never forget the experience you have and the group of experts that are always here for you.

Lesson number, as we start things off, is how nice is it is doing business with a smaller independent insurance agency like J.P. Kush as compared to working directly with large insurance carriers like a BlueCross BlueShield or an Aetna. Don’t get us wrong we love them, they are the carriers that we work with to provide you, the consumer, with the best insurance coverage out there. But the first thing that makes going with an independent insurance office like J.P. Kush so nice, is accessibility. If you are in the area, you can stop on by the J.P. Kush office, in Troy, Michigan, anytime and sit down with an agent and talk about insurance options, the weather, or a question on something new you’ve heard about insurance. You have your personal insurance agent entourage when you go with a smaller independent agency, folks that walk beside you, that you can sit down and chat with or pick up the phone and call direct and get the same person every time.  This is something the big guys just can’t do and that is why the big insurance carriers count on agencies like, J.P. Kush to offer the personal touch and accessibility.

The second thing we learned early on, that every consumer can benefit from knowing, is that you can get the same rate and often times a better rate by shopping for insurance coverage through an independent agent as compared to going direct to the large Insurance carriers. Why? Independent insurance agencies like J.P. Kush, work with multiple large, top insurance carriers including BlueCross BlueShield, Aetna and Humana to name a few. We get direct pricing from the insurance carriers and then we pull up all of available plans and pricing side by side, look at the features, costs and offerings and tailor a plan that meets your needs perfectly.

Think about car shopping. If you go to one dealership and look at one car, you are just going to be offered that one price. Now if you shop around to 3 different dealerships, the amount of cars, options on the cars and the price ranges for the cars grows because you are looking at a bigger inventory.  It takes time to shop around, and that is where going with an agent helps too because the agent shops around for you so you don’t have to check out every insurance company and plan one by one.

The truth of the matter is there is a great insurance option for everyone when it comes to Health Care, Life Insurance, Property and Casualty Insurance, Long Term Care Insurance, you name it and there are plenty of individuals and business owners right now that go without having the best option because no one is taking the time to help them find what is right for them, right now.  So the purpose of all of the work J.P. Kush does online and in every meeting we have with customers is to shed light on all of the questions about insurance options and help people find the best answers.

Here’s to a growing relationship and understanding of insurance and to finding the right option for you.

J.P. Kush and Associates

 

jpkush.com

 

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Hello world!

Posted on June 22, 2011 by jpkushadmin

Welcome to WordPress. This is your first post. Edit or delete it, then start blogging!

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