One-in-Four REALTORS® Lack Health Insurance - We have you covered!

While all small businesses have found it difficult to find affordable health insurance, REALTORS® have been even more challenged. Typically, REALTORS® are self-employed, independent contractors-the smallest of small businesses.

In most states, the self-employed are relegated to the state's individual insurance market, where applicants can be turned down for medical reasons and there are few limitations placed on the premiums that companies can charge.

As a result, today, twenty-eight percent of the 1.2 million members of the National Association of REALTORS® - more than one in four REALTORS® - have no health insurance coverage. REALTORS® have cited cost as the primary reason they have no health insurance.

Select Insurance Group offers affordable healthcare options and guaranteed acceptance for REALTORS®, individuals, and small business owners alike. As long as you work 30 hours a week, pre-existing conditions or not, YOU'RE APPROVED! Are you un-insured, paying too much, need better coverage? You owe it to yourself to contact us at 855-GET-SELECT(348-7353) Ext 101 to speak with one of our licensed insurance consultants.

How Can I Find Affordable Health Insurance in Missouri?

So you need affordable health insurance in Missouri? Luckily for you, we have made a sophisticated tool to assist with your search. With it, you can compare different health insurance plans to find the best price and coverage for you. Simply CLICK HERE to receive your free comparison of affordable health insurance in Missouri or Call us for FREE at 1-855-GET-SELECT Ext 101. Yep, it’s that easy.

3 Health Insurance Mistakes to Avoid

Whether you're perusing your employer's open-season packet or weighing your options after getting a pink slip, you may be facing some critical decisions about health coverage. Avoid these three common pitfalls.


Focusing on premiums alone.

A higher-premium policy with low co-payments could be a better deal than a lower-premium policy. For example, if your doctor is out of network, how much will you pay for each visit? And how many of the medications you take are brand-name drugs? Many insurers are now charging coinsurance rather than fixed co-pays for generic, brand-name and specialty drugs. Your cost for a specialty drug could be as high as 38% of the cost of the medication. So if you take expensive medicines, you may end up paying hundreds of dollars more a year. Your best bet, if you can find it, may be a policy that still charges co-pays for out-of-network visits and prescription drugs.

Skimping on coverage limits.

One of the costliest mistakes you can make is to buy a policy with inadequate coverage. These policies may look attractive because they have low premiums and deductibles. But a maximum benefit of as little as $50,000 to $100,000 per accident or illness could leave you with tens of thousands of dollars in out-of-pocket expenses. Also beware of policies with long lists of exclusions and low dollar limits for each type of procedure.

A better way to lower your premiums is to buy a high-deductible policy with a coverage limit of at least $1 million ($3 million or $5 million would be even better). If you buy a policy with a deductible of at least $1,150 for single coverage or $2,300 for family coverage in 2009, you can also make tax-deductible contributions to a health savings account and use the money tax-free for medical expenses in any year.

Ignoring alternatives to COBRA.

If you lose your job, you may sign up for coverage under COBRA, the federal law that lets you keep health insurance under your former employer's plan for up to 18 months. The economic-stimulus plan provides a 65% subsidy for COBRA premiums for up to nine months for people who are laid off between September 1, 2008, and December 31, 2009. But after the subsidy ends, you'll pay full freight. The average employer policy costs $4,700 a year for individuals and $12,600 for families, according to the Kaiser Family Foundation.

If you have health issues, COBRA may still be your best option. But if you're healthy, you may find a better deal on your own. Get price quotes at www.selectinsuranceteam.com or click here to check out Assurant's Affordable Health access Plans

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Steve Ludwig
1-855-GET-SELECT (438-7353) Ext 1

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