OVERVIEW AMERICAN INSURANCE COMPANY
Some health insurance websites help people to get quotes from certain companies. Other sites explain the basics of health insurance so that people can better understand their options. Some sites provide current news, articles and other health insurance information – like defined contribution and Health Reimbursement Arrangements. Still other websites discuss public policy concerning health insurance. The purpose of American Insurance is to provide all of this information in one educational website.
American Insurance is designed to help employers source the best health insurance information for their employees and to help individuals get the best health insurance for themselves and their dependents. The more that you know about how health insurance works and the variety of health benefits options that are available, the more likely you are to get the best coverage.
American Insurance starts by explaining basic health insurance principles, moves to more advanced health insurance topics, provides you with links to additional resources, and then links to health insurance plans where you can get quotes. They believe that this approach will give you the best health insurance information and insights to get a better deal than if you went directly to a health plan’s site to get quotes.
There is a separate page for each of the topics. To be honest, some of the first topics are a little dry. You may skip ahead to the more advanced topics if you wish. However, if you progress through this site from start to finish, you will find that the information builds in a logical manner and gain a good understanding of health insurance.
This site is for educational purposes only. If you use this site, you agree to do so at your own risk. You should contact agents directly and get the right health insurance information from them before making any decisions. They do not recommend any specific insurance plans and are not responsible for the accuracy of information on any linked websites.
They believe that you will find American Insurance to be useful and welcome your suggestions on ways to improve it. American Insurance currently focuses mainly on health insurance in the United States, but they plan to expand it to cover health systems and insurance in other countries. They also plan to list links to insurance plans by state so that you can more easily review the health insurance plans available in your state.
WHY IS HEALTH INSURANCE IMPORTANT?
People buy health insurance for different reasons. The following are ten of these reasons. Please look them over and consider which reasons apply to you and which do not. This will help you to evaluate what type of health insurance will best meet your personal needs.
(1) Health insurance can protect you from the risk of uncertain bills for health care.
(2) Without health insurance, you may not be able to afford expensive services.
(3) Health insurance can pay for services that you use often.
(4) Health insurance can help you to get better quality care as a member of a coordinated health plan than you would get on your own.
(5) With health insurance, you do not have to worry about the cost of care when you are sick.
(6) The additional money provided by health insurance when you are sick may be more valuable to you than money when you are well.
(7) If you have more dependents than most people, then you may get more out of a family policy for health insurance.
(8) If you or your dependents have more health care needs than most people and you only pay an average premium, then you get more from health insurance than most people.
(9) You do not pay income tax on health insurance benefits so it is more valuable per dollar than the same amount in taxable pay.
(10) Health insurance companies generally pay lower prices to doctors and hospitals than you would pay on your own.