CNNhealth.com says that medical bills prompted 60% of U.S. bankruptcies.  Medical insurance can be expensive and complicated to buy, but it pales in comparison to the cost of major medical care without proper insurance and the financial damage that can result.  Let us help you find the coverage that best-fits your needs and protect you from financial worries at a time when you should concentrate on your health and the health of your loved ones.  We will educate you about how to use medical insurance in a way that reduces your out-of-pocket costs and increases the amount of coverage your medical insurance provides.

We work with all of the top rated medical insurance carriers including Anthem, Aetna, Blue Shield, CIGNA, Kaiser, HealthNet, United Healthcare, Covered California and many more.

Do you mean phone a doctor?  Yes we do!  You might be surprised to learn that tele-medicine is growing dramatically and quickly in popularity.  As deductibles and co-pays increase, many people are excited to be able to call a Board Certified physician from their own home and pay $0 co-pay.  Calls can be returned within 10 – 15 minutes, often shorter than a drive to the doctor’s office and sitting in the waiting room.  Tele-health doctors spend more time on average talking with their patients and can call in a prescription to the pharmacy of your choice.  You can even use email and video conferencing!  Read more about medical groups, insurance carriers and employers embracing telemedicine.

Due to the rising cost of medical insurance premiums, many individuals have moved to higher deductible plans and out-of-pocket expenses.  GAP Insurance can help fill the gap in coverage that is created before your insurance kicks in.  With this strategy, an individual can reduce the medical insurance premium cost by choosing a high deductible plan and adding another less expensive plan for the costs that apply to the deductible. This can be a great option for people looking to create better overall value and make the cost of medical care more bearable.

If you think going to the dentist is painful, the bill can be worse!  There are numerous dental coverage options that cost $7 to $60 per month, depending on the type of dental insurance coverage you prefer.  Getting the right dental coverage and learning how to be a better dental care consumer will reduce your costs so you don’t pay so much to keep a nice smile!  Let us help you find the dental insurance option that is right for you.

Did you know that eye exams can find heart disease, diabetes, high blood pressure, some cancers and a multitude of other diseases? Plus, looking at the cost of buying glasses for the family can make you think you need a new pair of eyes!  Vision discount programs and insurance plans are available to help save you money.  We can help you to find the right plan in your area.  Learn more about diseases found through eye exams.

A simple way to evaluate how much life insurance you should carry is to think about the living expenses and other bills your loved ones would be responsible for in the event of your death.  It is never an enjoyable conversation to have but it is one of the most important insurance coverage options available to help you protect those you care about when you can no longer provide for them.  Would the mortgage, car loans, or cost of a funeral and general living expenses be possible for your loved ones to pay without you?  Work with Bestefits to determine the amount of coverage that is right for your situation.

Okay, so it’s a grim topic but it happens more often than most people know.

A typical female, age 35, 5’4″, 125 pounds, non-smoker, who works mostly an office job, with some outdoor physical responsibilities, and who leads a healthy lifestyle has the following risks: A 24% chance of becoming disabled for 3 months or longer during her working career; with a 38% chance that the disability would last 5 years or longer, and with the average disability for someone like her lasting 82 months. If this same person used tobacco and weighed 160 pounds, the risk would increase to a 41% chance of becoming disabled for 3 months or longer.

A typical male, age 35, 5’10″, 170 pounds, non-smoker, who works an office job, with some outdoor physical responsibilities, and who leads a healthy lifestyle has the following risks: A 21% chance of becoming disabled for 3 months or longer during his working career; with a 38% chance that the disability would last 5 years or longer, and with the average disability for someone like him lasting 82 months. If this same person used tobacco and weighed 210 pounds, the risk would increase to a 45% chance of becoming disabled for 3 months or longer. (Information from Council for Disability Awareness)

A significant number of people will experience a disability in their lifetime that will prevent them from making a living. Your bills will continue whether you have a paycheck or not so let’s talk about the amount of disability coverage you will need to get through that time.

When an individual needs long-term care service, the average number of care days is 1,040.  Living care is an extraordinary financial burden on family members who often continue to work and must pay bills without the disabled person’s income.  Commonly, these family members must also help to provide many of the care procedures while at home.  Long-Term Care Insurance is less expensive the younger you are at time of purchase when you are less likely to be disabled.  Learn more now to maximize coverage and buy when premiums are lower.

It is doubtful that anyone plans to break an ankle but, when it happens, it is physically painful and so is the unexpected bill.  Accident Insurance policies can be inexpensive and, when an unfortunate accident happens, you get a nice surprise in the mail…a check from the insurance company to help you pay your bill!

Some people have concerns that they may develop cancer at some point in their life and who could blame them when the World Health Organization says, “It is expected that annual cancer cases will rise from 14 million in 2012 to 22 million within the next two decades.”  It is no secret that this is a very expensive diagnosis and a time where bills can get in the way of focusing on survival.  Cancer policies must be purchase prior to a cancer diagnosis or, in some cases, at least 5 years following a cancer diagnosis if the patient has remained cancer free within that time period.  If this is a concern to you, let’s discuss your options.  Learn more about the growing cancer concern.

Most people leave many legal battles to the side because they cannot afford the help they need from an attorney to properly handle the issue.  This legal service provides you with legal advice on unlimited issues, letters and calls made on your behalf, contract and document reviews, Will, Living Will and Power of Attorney preparation, help with traffic-related issues, trial defense, IRS audit assistance, 24/7 access for emergency situations, online legal forms and Identity Theft protection and fee discounts on additional legal services.  You can get help with divorce, child custody, adoption, mortgage and foreclosure issues and more.  Let us help you get access to experienced attorneys at a cost you can afford!