Procelerate sells Vdot business to ESIProcelerate Technologies Inc., a Boeing spinoff based in St. Louis, has sold software it developed to help companies execute development projects faster to ESI Group.
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</div>AT&T Missouri no longer subject to price regulationAT&T Missouri will no longer be subject to price or rate regulation by the Missouri Public Service Commission, the commission said Monday. (T)
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</div>SIUE men?s soccer to become MVC affiliateThe Missouri Valley Conference said it will announce Tuesday the addition of Southern Illinois University-Edwardsville as a men's soccer affiliate member.
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</div>Renaissance Grand bondholders meeting setA conference call for bondholders of the Renaissance Grand & Suites hotel will be held Dec. 10., less than a week before an interest payment of $3.5 million is due.
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</div>Index: Missouri economy weakensMissouri’s Business Conditions Index was 39.3 in November, down from 48.1 in October and 53.3 in November 2007, Creighton University said Monday.
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</div>Save-A-Lot announces management changesSave-A-Lot announced a series of management changes Monday. (SVU)
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</div>Patrick Davis moves HQ from St. Louis to AtlantaMarketing firm Patrick Davis Partners has relocated its headquarters from St. Louis to Atlanta.
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</div>Citigroup spends less on ads, Scottrade spends moreThe financial services industry, including Citigroup, spent 10 percent less on advertising this year, but online brokerage Scottrade bucked the trend and spent more, a new analysis shows.
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</div>Walgreen finishes acquisition of IVPCAREWalgreen Co. said Monday it completed its acquisition of McKesson Corp.’s McKesson Specialty Pharmacy in Pittsburgh and IVPCARE, a Frisco, Texas-based reproductive health pharmacy that has operations in St. Louis. (WAG)
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</div>Cyber Monday: St. Louis companies see Web traffic spikeOnline customer traffic was up 27 percent from two weeks ago for St. Louis companies on Monday, the unofficial kickoff of the online shopping season, new data show.
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</div>
quotes have more to do with a client's expectations than agent's greed.
Many clients are starting their own business after years in a corporate environment, and they were used to a group plan that covered almost any medical service with very small copays. Many clients are just not aware how much their old company contributed to a comprehensive plan like that, and when they quote invididual health they get sticker shock!
The thing is, individual health quote is usually cheaper than a group plan for the same person or family! That is because a company can underwrite every person on the plan, and are not locked into a contract to take everybody.
I am the first one to admit that health takes a big bite out of a budget, but by trimming some services and keeping others, I can tailor a very satisfactory health plan at a very budget friendly price.
If your family does not visit the doctor more than a couple of times a year, I would start by asking my clients to consider eliminating a doctor's copay. If you pay a $30 copay for a $100 doctor's visit, then you have saved $70. However, the copay feature of an policy often adds 25% to a health premium! For a family of four, that could mean you are paying $100 or more to save $70! In addition, most health plans enroll you in a network, so your $100 doctor's bill may be reduced by 40 - 60% even without the copay.
Another consideration is your deductible. You probably cannot afford the $500 deductible that your old group plan had, but by raising that to $1500 - $2500, you will notice a sharp decline in your monthly health bill! If possible, try to save some of the diffence in case you do have a major hospital bill.
But even if you can only afford a $5,000 hospital deductible, and you really don't have 5K to spare, you really shouldn't be concerned. The card establishes your ability to pay to the hospital, and you won't be asked to write a check before service. You will be sent a bill, and can work out a payment plan after your health issue is resolved. When you balance the liklihood of a hospital stay against saving hundreds of dollars every month, most families will come out ahead with a higher deductible.
Accident plans and critical illness can be low cost forms of coverage that will help you trim bills if you do have a major health issue.
I think it is more important to make certain that your health policy is comprehensive, and will cover expensive medical services, rather than worrying about a larger deductible. Before you purchase a policy for your family, find out how it will handle cancer treatments, organ transplants, and out of town emergencies!
Remember, you are buying health to protect your health and assets in case of a very serious illness, and not to cover a $12 bottle of antibiotics. If minor viruses were the only health issue we risked, nobody would worry about health at all!
Article Source: Articles Beyond Better
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