Online Insurance News

Health Care Reform

2009-08-27T13:03:00.000-07:00

Ok, ok, I've been asked too many times in the last month for my uptake on all the hubbub, razzmatazz, spin and such coming out on the national or universal health care. Although, I'm not sure if that is the right words used to describe this matter, but I've thought about it enough and have talked with enough propsects who have told me that 'I'm going to wait for the new health care plan'.

Whatever your idea is on what it should be, and it may not match up with the legislators trying to push it through, one thing stands out in my mind.

I can't for the life of me see where Congress has any business in legislating something like this. Call it waht you will..but 'health-care' is not a constitutional right nor is it a human right. So, what business is it of government?
When you read Article I, Section 8 of the Constitution, the authority of the government to legislate health care or health insurance cannot be found.

Truthfully, it's a lot like this Congress turning over the monetary policies to a group of central bankers that they call, The Federal Reserve. Very little difference.

I heard someone boasting the other night on one of the Judas Goat hosted talk shows, that this government runs one of the largest health insurance programs ever created by man....he was referring to Social Security...they sure do run it...and have successfully run it into the ground. Medicare and Medicaid are going tap..and they don't have enough money...can't print it fast enough to ever fix it....and you want to turn over health insurance to them? Not a chance.

While certain criticism directed at large insurance companies may be deserved - but what about a proposed system that makes insurance coverage avaialable for every illegal person here in this country at your expense? That, my friend is where the premiums will come from. Rather, get rid of appropriation based systems that only foster laziness and more corruptness in big government. I can just see the insurance lobbyist running arond the Potomac these days! Must be quite a sight!

When or when is someone going to stand up and speak the truth...of how you've been conned...your rights stripped from you, along with your freedom. Expecting mainstream media to cover this is like expecting prosperity from an earthquake.

If enough people stand up and say...enough is enough...only then, will we have a chance of saving this country...ridding the country of this flawed monetary system, the root cause of most of our problems..would be a start. Then ridding government of every crooked politician that you can find...and that won't be hard.

I see the media today...all of them paying tribute to a fallen congressman...a fellow who literally got away with murder...that's never brought up...I like to compare their adoration as if it were Congressman Ron Paul who was the decedent...why, you wouldn't hear much of anything..yet, here's a man who has spoken and done more for this country than all the senators and congressmen that Massachusetts has ever brought forward.

For a very worthwhile look at an alternate to the crumbling U.S. Dollar, please contact me as soon as possible. Dennis @ 720-535-4934.

MAJOR MEDICAL - SHORT-TERM RATE REDUCTIONS!

2009-05-12T12:25:00.000-07:00

That's right..you read it right! We are presently offering comprehensive major medical insurance and short-term coverage at reduced rates.

If you're considering upgrading your coverage or even replacing Cobra coverage with short-term insurance, you'll now be able to do it through Dennis Bukantis Marketing at a LOWER rate!

Because of volume and arrangements with certain Provider Networks, we can offer you this cost savings past on to the companies to YOU!

Please contact my office for an up-to-the-minute new rate for you and your family.

Thanks for dropping in to the Online Insurance News today!

Dennis

AccidentShield - Because Accidents Happen

2009-04-22T12:32:00.000-07:00

You never know when an accident will happen, but when it does you should be prepared. Ensure your financial peace of mind for a fraction of the cost a single accident will demand. For those without coverage or with a high deductible plan,
Wholesale Benefits Association (WBA) is an affordable necessity you shouldn't be without. The potential savings it offers more than justifies the cost.

These benefits are insured by a major insurance company and can provide you and your family members, Accident Medical Expense Benefits in amounts from $5000 - $10,000, per accident, per person!

No medical underwriting is required and you can enjoy the benefits today for AS LOW AS $22 per Month.

You can fully review this coverage and enroll online by clicking on the falling Skater on the Home Page! Real fast issue and your Policy will be mailed directly to you.

This Affordable AccidentSHIELD Benefits Package is tailored for: Individuals - Families - Tradesmen - HIgh Deductible Plans - Uninsured - Part Time Workers - Self-employed - Uninsurable - Unemployed.

Thanks for dropping bye the Insurance Newsroom today.

Dennis

GUARANTEED ISSUE INSURED BENEFITS

2009-04-14T09:40:00.000-07:00

Limited Benefit Medical Insurance Benefits are now available by visiting the link on the Home Page of this site - GUARANTEED ISSUE -ENROLL NOW! By visiting this site, an instant quote will be available to you - if you're ready to sign up, you can enroll and have your coverage effective at 12:01am the next day. You can also print out your own fulfillment package and ID cards! You'll be good to go that quickly and efficiently!

These valuable benefits are Underwritten by United States Fire Insurance Company, Rated "A" by A.M. Best. They are not merely discounts, rather fully insured benefits.

As part of the Med Sense Guaranteed Association, benefits include:

*Guaranteed Issue
*PPO Network or choose any doctor
*Lifetime maximum of $1,000,000.00
*Daily in-hospital benefits up to $1,500 a day!
*Accidental Injury
*Surgery and Anesthesia Benefits
*Doctor Office visits

For additional questions on this valuable plan, please contact me at 720-535-4934 or by email through the Contact Page of this website.

Dennis Bukantis Marketing is pleased to be able to partner with Health Innovations to bring you this exciting plan!

Thanks for your visit today to the Insurance Newsroom!

Dennis

COBRA Subsidy Expected to be Costly

2009-04-13T11:52:00.000-07:00

A recent survey conducted by Aon Consulting predicts that health care costs will escalate as a result of the new federal COBRA subsidy.

Even though the subsidy will reimburse employers for 65% of their COBRA premiums, it paves the way for more COBRA enrollees, due to unemployment, and greater costs associated with administering the subsidy and communicating its detals to employees, explains Aon.

In addition to to higher overall health care costs, the subsidy will lead to potentially higher-than-expected employee contribution rates for heatlh care coverage in 2010.

Almost 60% of employers of 300 employers surveyed expect their overall health care costs to rise because of the COBRA subsidy.

From this you could say that if you have elected COBRA benefits as a former participant of a Employer Sponsored Health Care Plan, you may expect your health insurance costs to escalate dramatically.

We find that in most cases, high quality coverage is available to individuals and families that is less expensive than those commonly found with COBRA benefits.

There are some dangers and pitfalls that you assume if you elect COBRA benefits. We would be pleased to discuss your individual situation with you in confidence.

Dennis Bukantis Marketing provides medical insurance products from financially strong companies. We consider the quality insurance products that we offer as permanent coverage, something that COBRA is NOT.

For a short primer on COBRA benefits, please click on the COBRA button on the Home Page of this site.

As always, we offer complete Online Medical Insurance Services, from the initial proposal right through to finalization and delivery of your new policy. Above all, we know that your experience will be like none other! Let us know how we may serve you.

Thanks for dropping in to the Insurance Newsroom today!

Dennis

Critical Illness Insurance - Key Points and Questions

2009-04-05T10:17:00.000-07:00

Results from a specialized survey regarding Critical Illness revealed some important facts that individuals and families should consider.

*More that half (55%) of consumers are very or extremely concerned about being able to make key payments such as mortgage, car insurance and child care if they were to become disabled or hospitalized.

*61% of those that have experienced, or had a spouse experience, a critical illness encountered unanticipated expenses.*One in five American would fund uncovered medical expenses with a credit card if they faced a serious illness such as a heart attack.

*Individuals are interested in having critical illness insurance.

A PERSONAL STORY - I didn't expect to experience acute renal failure and cancer simultaneously several years ago, but I did. From my initial hospitalization to nearly two year recovery, thankfully..most of my medical bills were paid for by my medical insurance. What they didn't cover was the fact that I was unable to work and generate any sustainable income level for most of this period.

Three years ago, my wife didn't expect to shatter her left femur and mangle her right shoulder and wrist in a home accident. By the time all was said and done the medical bills totalled in excess of $600,000. Many uncovered items such as physical therapy, durable medical equipment, home health visits and loss of employment put a tremendous financial strain on us. We didn't expect or PLAN for this.

I tell you this personal story to let you know that things like this can happen to anybody.

Roughly two-thirds of indirect medical expenses are NOT covered by health insurance - such as cancer. loss of income for self and family members, travel, etc.

Two million Americans will file bankruptcy because of medical expenses. That represents 50% of all bankruptcies. Approximately 79% had health insurance. Their out-of-pocket expenses averaged $13,460.

QUESTONS:

*Do you want the best possible health insurance that includes specialized coverage for critical illness expenses?

*Do you know anyone who has been diagnosed with cancer, had a heart attack or stroke?

*Was the quality of life affected?

*If you had one of those conditions, would you rather I send a get well card or a check?

Dennis Bukantis Marketing offers you a total protection portfolio that includes coverage such as critical illness insurance for individuals and families. As self-employed individuals, you are the life-blood and economic engines of our society, and we are committed to helping you with low-cost critical illness insurance and other benefits that will help you and your family cope with life's uncertainties and protect your assets, health, loved ones and quality of life.

Whether you call it simply Critical Illness Insurance or "financial recovery insurance", you can add this valuable coverage to compliment your existing coverage, or new coverage. In many cases, it can be purchased on a stand-alone basis, of which some are compatible with High Deductible Tax-Qualifed Plans with HSA's.

Please take a few minutes to contact me and we can discuss how this can be added to your health insurance protection at surprisingly low cost. It may be one of the best health-care insurance decisions that you have ever made.

Thanks for dropping in to the Newsroom!

Dennis

Insurance Company Ratings

2009-03-31T11:07:00.000-07:00

According to Insurance Networking Newsroom, some top companies who previously held very high ratings have seen their life and health units' downgraded to a 'negative' status.

Most companies that have shown a downturn in their ratings point to a heavier exposure to financial-sector corporate bonds and mortgage backed securities. Today in the United States, there is virtually no commmercial mortgage backed securities market. This would mean that there are no new commercial projects like malls, airports and other major commercial projects.

We take a great deal of pride in using carriers for all of our products that maintain a balanced and positive book of investment strategies.

Since most of our medical insurance plans feature PPO Network driven plans, we choose only the strongest regional and national networks available to you. We are pleased to provide contact information on these as well.

We would be pleased to provide you audited financial reports from any of the companies that we represent. You may request such reports by using the Contact Page found on the Home Page of this website.

We view any companies ability to meet their obligations as they come due as a vital part of servicing you, our customers. Careful selection of our companies and products is what you can count on when purchasing your individual major medical products from
Dennis Bukantis Marketing. Thanks for dropping into the Dennis Bukantis Marketing Insurance Newsroom today.

Dennis

Short-Term Major Medical

2009-03-30T09:09:00.000-07:00

In a time crunch to obtain major medical insurance coverage? Then consider a short-term major medical policy!We offer the Short-term Major Medical coverages through Amigo! You can click on the Amigo button on the right side of this Home Page and do ALL your shopping from the comfort of your home or office!

From looking over the benefits, plan design and enrollment and printing your policy and ID cards, it's the quick and efficient way to get your short-term major medical coverage set up!

Coverage is available for a minimum of one month up to six months, with the option to re-apply for another six months. Your plan can usually be effective in 24 hours!

The Amigo Short-Term Medical Plan is idea for:

*Individuals transitioning between jobs.
*College students or recent graduates.
*Individuals looking for an affordable substitute for COBRA
*New employees waiting for their coverage to begin.
*Individuals not yet eligible for Medicare coverage.

Amigo Short Term Medical Plans are underwritten by HCC Life Insurance Company, with the strongest financial ratings available.
Please see company information on the Amigo site by clicking the button on the right side of my Home Page.

Dennis Bukantis Marketing and Amigo are two more reasons why we make doing your insurance business with us a pleasure!

International Medical Travel Insurance

2009-03-25T09:48:00.000-07:00

Why buy International Medical Insurance?
The answer is easy. If you are a US citizen living or traveling abroad for short or extended periods of time, traditional sources of US private health insurance may not meet your needs. Geographical exclusions and provder limitations common to these policies will restrice or even eliminate the coverage available to you while you are outside the US. At the same time, you may not be eligible for the government-sponsored plans in the country where you are visiting or residing in on a temporary or extended basis.

If you travel or reside worldwide, the products of MultiNational Underwriters offers products to meet your needs with economy in mind as well. If your needs call for international travel, please visit them at the MultiNational link provided on the right side of the Home Page of this website.

Product information and enrollment is completed quickly and online including printing your own policy. It's easy and the efficient way to get you on your way with the coverage you want!

The MultiNational Underwriters coverage are insured by certain underwriters of Lloyd's, the largest and oldest insurance market in the world.

If you're looking for Short-term major medical coverage in the US only, please click on the Amigo Button, also the right side of the Home page of this website. This is also a quick and efficient online experience where you can also print your own policy.

Dennis Bukantis Marketing also can provide you with health insurance coverage for Group Travel such as Missionaries and church groups, Student groups, Corporate Groups (short to mid-length)orchestras and bands and other organizations.

If your group consists of a minimum of five travelers who are at least 14 days old and traveling internationally for at least 5 days, your group is eligible. Coverage is available for periods of 5 days to 12 months!

Please consult with me for all your health insurance needs, either at home or for travel outside the US.

HSA's - High Deductible Health Plans

2009-03-23T10:23:00.000-07:00

Good morning from Denver!

We see a definite uptake in interest in consumers choosing HSA's, or Health Savings Accounts. Requirements for individuals and families are easily determined and then met to to see if the idea of having such a plan is for you.

All HSA's must be tied to a High Deductible Health Insurance Policy or Tax-qualified High Deductible Plan. Simply stated, your out-of-pocket up to a pre-set amount is paid by you and once this is met, your insurance plan takes over and can pay 100% of your medical bills.

You establish in advance or simultaneously with your insurance plan, an HSA account with a deposit that then can be used to pay the eligible and allowable expenses.

We highly endorse the HSA Accounts offered through Alliant Credit Union (www.alliantcreditunion.com) Here are some of the features you can have, and we haven't seen them elsewhere:

* NO Charge or fees for account opening, maintenence or transactions

* FREE Visa or HSA Debit Card or checks for EASY USE

*4% A.P.Y.

* Thousands of SURCHARGE-FREE ATM'S - There's one near you!

* Online enrollment and Account Management!

To boot, when we've had to talk with employees of Alliant Credit Union, we've found them caring and efficient - Certainly a company that models itself like Dennis Bukantis Marketing! While you visit their website look at all the advantages of even becoming a Member of Alliant Credit Union!

As for obtaining your High Deductible Insurance Plan - We have several products to select from - we use high quality products backed by financially sound companies. It just seems to work better that way! Let me know how I can help you design the insurance plan that's just right for YOU!

Thanks for stopping into the Dennis Bukantis Marketing Newsroom...I look forward to talking with you soon!

Dennis

THE OBAMA ELEMENT ON INSURANCE

2009-03-21T10:26:00.000-07:00

It appears that the Obama Administration is under tremendous pressure to help secure health coverage for the more than 47,000,000
uninsured Americans. Several states in the Union are currently investigating some kind of government-sponsored insurance coverage with Massachusetts leading the way.

The question that a lot of people pose is; Where can the funding be found in a single-payer system? The Obama health care reform plan requires guaranteed issue health insurance and the creation of a National Health Insurance Exchange to oversee such purchase and delivery from a single or centralized source. While this certainly does sound like the 'change' promised, but such a 'change' will be nearly impossible to fund. To back up this, consider the following:

The Summary of the 2008 Annual Reports produced by Social Security and Medicare Boards of Trustees, indicates that Medicare's hospital insurance trust fund will be depleted in 2019.

Considering the economic crisis that is going on all around us today, balancing the Medicare issue while expanding government's role in the under 65 market could be a very difficult process.

What we're starting to see however, is employers who have been faced with cuts while trying to maintain their businesses, is to opt-out of the full-coverage for employees and dependents. They are either reducing their participation or cutting it altogether.

This problem can be remedied in most cases with stand-alone medical,dental and vision products that are purchased on an individual basis.

Dennis Bukantis Marketing has a complete portfolio of health-care products to suit most any needs. We know as consumers that you're now willing to shop a little harder and wiser and even willing to move away from the large, brand-name carriers if you can find products and rates from sound carriers that are not necessarily on the front-page everyday or mainstream television ads.

We have carefully chosen these companies and products to benefit you, our customers. We are pleased to consult with you on your insurance matters, quickly and efficiently. I appreciate the opportunity to be able to assist you.

For an interesting article on Tribal Marketing that was in part developed from the Obama 2008 Election,please visit the FireStorm Marketing Page on this website. From the Dennis Bukantis Marketing Newsroom.em>

Dennis

Health Insurance - Shopping Smarter!

2009-03-20T16:36:00.000-07:00

Picking a health insurer seems like a daunting task...do you call that toll-free number shown on the television and print ads, or... is it possible to get better coverage and rates elsewhere? MAYBE BOTH!

As Tim O'Meara of Madison National Life Insurance Company was recently quoted in the Best Insurance Newsletter -

"Clients are willing to shop a little harder and move away from the name carriers if they can find a financially sound carrier with good rates."

In choosing carriers and products that I represent, we stack up their products, customer service, rates and the financial snapshot of each company. The companies and products in our portfolio are not necessarily from the more familiar names that you're aquainted with, BUT, having carefully chosen based on the selection criteria, I think that I have some of the BEST products backed by some of the BEST companies out there on the health insurance playing field.

One such parent company is IHC or Independence Holding Company. Also known as IAC or Insurers Administrative Corporation, a full line of health-care products ranging from Group Health, Individual Major Medical, Defined Benefits, Dental, Vision and more.

Dennis Bukantis Marketing offers many of their products and they can be found on the Home Page of this website. By clicking on their link you can take a look at the wide array of very good products and benefits offered in many markets.

If you would also like to read their latest audited Financial Report, please request it through the Contact Us page on this website. I would be pleased to email it to you promptly.

It was interesting that I have spoken with several people recently that all of a sudden found themselves without a job and without their company sponsored Group Health Insurance. I expect to personally see and hear more of this story. While there is a certain buzz about COBRA being the benefactor of the so-called Stimulus package, it really hasn't not been officially determined as to when.

With Insurance reform at both national and state levels, much excitement among us not so rich and famous started to grow. But as Wayne Nelson, President of Communicating For America, an association that represents small business and agriculture believes many state governments are finding that meaningful health care reform is more difficult and costly than first anticipated..and not to mention the political implications.

Economist and Writer John Pugsley said something like this - "Government doesn't work...you work...I work...FedEx works...Safeway works...but government doesn't."

Thanks for taking the time to read this Insurance News..they'll be more. Your comments are always welcome!

Dennis