National Insurance Advisors Cuts Wide Swath Through Health Insurance Crisis
TROY, Mich., /PRNewswire/ -- The once bustling industrial avenues of the metro are are now littered with "For lease" signs, the word "China" is on every manufacturer's lips, and the once enviable benefit plans synonymous with Detroit are continuing to erode away. The ranks of uninsured and underinsured are growing at a rate that just a few years ago were inimaginable. Providing healthcare for people unable to pay continues to drive up the cost of healthcare and inevitably health insurance. Most Michigan employers cite healthcare costs as their number one concern. Healthcare costs have gone so high that they are now fueling the daily reports of business closures. The bottom line: The average hardworking employee and business owner alike are just plain afraid to get sick.
Massachusetts Governor, Mitt Romney, recently pioneered a state health insurance plan similar to mandatory car insurance to ease the cost crunch on the state's hospital system. Other rust belt industrial states will soon be forced to follow suit. With the declining real income, the working family's budget will be further strained. Many families are often faced with the hard choice between groceries on the dinner table or proper healthcare.
As more and more companies slash benefits or drop them all together to stay viable, working families find themselves lost in the brave new world of health insurance choices. No Longer protected by large company HR departments, they must now wade through the offerings of dozens of individual health insurance carriers. Alone in a twisted maze of co pays, deductibles, coinsurances and exclusions, families often make choices that leave them owing thousands, even hundereds or thousands of dollars in the event of a serious accident or illness in the family.
Just over ten years ago, a young entrepreneur from the village of Swartz Creek, Michigan, 45 minutes nothwest of Detroit, set out to change this situation. Based on a deeply rooted belief that families had a right to fair, independent and knowledgeable advice, Chuck Richards began to guide families to better and more reliable health insurance coverage. Since that time Chuck's dream has grown into National Insurance Advisors. A company with 40 full time licensed agents and eight staff members, with offices in Troy, Burton and Grand Rapids, Michigan.
Chuck's passion for the quality and integrity in the health insurance protection was galvanized in the year 2002 when his infant daughter spent 20 days in intensive care at University of Michigan hospital. This left Richards' family facing a $230,000 hospital bill. Fortunately they had a well-written health insurance plan that protected them. Chuck knew that some 80% of the health plans available could have left them owing tens if not hundreds of thousands of dollars. He also knew that on the face, it was very hard to tell these plans apart. He constantly ran into families in a difficult financial position from choosing a health plan that seemed excellent on the surface but the reality was nothing short of nightmarish. Incidentally, medical bills have now become the leading cause of personal bankruptcy in the U.S.
Chuck's solution was to create a team of licensed, well-trained, knowledgeable agents and allow them to carry in their briefcase only the best, A-rated health insurance plans. Though the company has grown, it still maintains the original old fashioned values of personalized service and concern for the client. In an era where the insurance buyer is left at the mercy of the impersonal world of the internet, 800-numbers and automated response systems, every Benefit Advisor from National Insurance Advisors travels out from the office to personally meet with families, listen to their needs, and construct a personalized plan that protects their health, home and financial security.
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