About
Emily Harding, “the health insurance lady” has been much more than a health insurance broker during her more than 20 years in the insurance field mostly specializing in health insurance.
During this time she has observed what is effective and healthful to herself, clients and people in general when it come to medical care for chronic and degenerative diseases. Her thinking about the quality of healthcare in the United States has changed considerably as she has seen her clients health deteriorate and younger and younger ages with the conventional medical establishment’s response only to offer more and more prescription drugs with more and more side effects. She’s seens cancer rates and rates of other chronic and degenerative diseases get worse and worse. Happily, 18 years ago she also began noticing how much more healthy those of her clients who used natural medicines and avoided taking prescriptions were much healthier. Then she herself experienced a health concern that conventional doctors told her to ignore yet a Naturopathic doctor who was also a former medical doctor, that a friend referred to her, not only recognized her condition but the underlying causes as well! After four months of eating a healthful diet and avoiding certain foods that had been wearing down her immune system AND by taking natural medicines, she regained her ROBUST HEALTH back!She was so impressed at what natural medicine had done for her, learning all she could about it became an avocation.
Additionally she has discovered first hand how important good STATE health insurance regulations are in making health insurance widely available and affordable in states by working with legislators and national health insurance carrier government affairs and health policy experts in crafting reforms which were guaranteed to end Rhode Island’s health insurance crisis and bring at minimum, two national health insurers back to the state according to testimony giving to the Rhode Island Senate Health and Human Services Committee in 2004. She in fact spearheaded a campaign to bring carriers back to Rhode Island and end the state’s health insurance crisis back when it started in 2001 as she at that time was the largest producer of individual health insurance policies in all of southern New England for the two national carriers that decided to leave Rhode Island (and in so doing, destroyed the individual health insurance market in the state): John Alden Life Insurance Company and Celtic Insurance. She was the first one to learn of their plans to leave. Among her efforts to prevent the carriers from leaving and after they’d left, to get them to return, she established a Rhode Island chapter of the National Association of Health Underwriters with other concerned agents; she obtained position statements from carriers as to what they needed to see change in Rhode Island before they would consider returning. She was interviewed by area newspaper reporters and radio talk hosts about the crisis; why carriers left; what it would take to get them to return; and what health insurance costs and availablity was like in other states and why. She wrote op-eds in “The Providence Journal” and “The Newport Daily News” and seeing one of them, Senator Marc Cote offered to sponsor the legislation carriers needed to see passed in order to return to Rhode Island. She worked tirelessly with Senator Cote for years and with national health policy experts with national carriers and the National Association of Health Underwriters. After five years of hardwork creating legislation, getting the business community on board and more, that neither the Governor nor regulators nor some of Senator Cote’s key colleagues in the legislature were interested enough in ending our health insurance crisis and bringing carriers back to increase health insurance choices and lower costs for Rhode Islanders using these proven methods, to proactively support the necessary legislation.
Last but not least, Emily Harding has become a premier expert in helping her clients, who now are mostly small business owners, how to definitively choose a group health insurance that will provide the most protection (including stop-loss protection) for the least cost; explain to her initially skeptical clients why and how her selection benefits them AND then shows them how to configure benefits using tax treatments available such as HSAs and HRAs in such a way so that both employees and the employer are happy with the resulting benefit package.
Insurance products she would be happy to tell anyone about that are available at www.healthplanspecialists.com include short-term medical in surance or temporary medical insurance which is quickly becoming popular in states like Rhode Island which due to inadequate state insurance regulations, do not have individual medical products available in their states through insurance agents. Emily can tell Rhode Islanders how they can protect themselves from unforseen emergencies on an ongoing basis using this quality comprehensive insurance available at very affordable rates. Ask her for suggestions has to how to get the most temporary insurance for the best price. Call from outside Newport County, Rhode Isalnd 1-888-848-7708 or inside Newport County Rhode Island call 401-848-7708.