Joseph Karsner
Founder of Joe Karsner and Associates and Karsner Tax Advisory Group
Joe Karsner & Associates is the private venture of Joseph Karsner, financial planner and insurance expert. Founded in 1999, Mr. Karsner created Joe Karsner & Associates to better provide his clients with a wider array of individualized planning and life insurance services.
A nearly two-decade veteran of John Hancock Insurance and Financial Services, Mr. Karsner has made financial and insurance solutions his life’s work. He founded Joe Karsner & Associates to assist clients facing the difficult task of choosing from the often-overwhelming amount of life insurance and financial options on the market today. In addition to his own expertise, Mr. Karsner hand picked his knowledgeable staff from amongst some of the best individuals in the community.
Joseph Karsner’s distinction in the insurance industry could not have come about at a better time than the present. His exemplary service in all of his professional endeavors has brought him immense success, especially in current times when the need for insurance and health care is so pronounced. The importance of purchasing life and health insurance has increased exponentially over the last two decades and continues to be integral to ensuring one’s good health. However, for many people, the idea of paying a monthly fee along with mandatory co-payments for regular doctor visits seems preposterous. In addition, health plans often come with a high deductible, which requires patients to pay for all medical expenses up to a certain dollar amount. These amounts can cost $3,000 or more. Others feel it is wiser to avoid a high monthly fee and rely on the fact that they won’t need any medical care at all. As an expert in providing life insurance and health care solutions, Mr. Karsner attests to the value of having adequate insurance and stresses the importance of making sure one’s wellbeing is protected.
No one knows what will happen tomorrow, next week, or next month. Due to the high costs of insurance, many often decide to forego purchasing it, making a dangerous gamble on the future. One of the most common complaints about making payments each month on insurance is that little can be seen for the amount that is put in. That is, if the person isn’t sick or in need of medical visits, almost nothing is gained from being a part of a health plan. Some find it pointless to subscribe to a plan because they just don’t see the benefits it is giving them. And for many people, the monthly bill is often so high that it seems smarter to endure viruses and the common cold without medical attention. The reality is, though, that regardless of one’s current health or medical needs, there may come a day when an emergency presents itself. There is no way of predicting the events that will occur that may require immediate medical care. This is one of the most important reasons for being insured. Without insurance, any treatment or medical attention must come straight out of pocket.
Despite the importance of keeping oneself and one’s family insured, it seems that over the past few years the cost of health insurance has only risen and the accessibility of it has sharply decreased. Our health care system has reached the point where those who need care the most are the ones least likely to receive it.
Health and life insurance companies will not take risks on insuring those with preexisting conditions or who might already be in need of any type of treatment. This is another reason why purchasing health insurance in times of good health is important. Companies will often investigate a case, many times finding that the person may have had the condition or illness before signing up with their plan. In this instance, unless the subscriber can prove beyond doubt that he or she fell ill well after the insurance was purchased, payment out of pocket will be necessary.
Even with so many factors that may present reasons against having health and life insurance, the fact is, a price cannot be set on one’s health. That’s why Joseph Karsner and his team have made it their goal to provide their clients with the most comprehensive support possible. At Joe Karsner & Associates, employees pride themselves on being equipped to provide valuable health and life insurance solutions advice along with financial planning assistance. Mr. Karsner’s years of experience in the insurance industry have given him the ability to advise with the most up to date expertise and knowledge. Choosing and buying health insurance is a difficult job to take on, especially with the complexities today’s health plans carry with them. Joseph Karsner and his team of trained professionals are properly outfitted to navigate this task, making the difficult process as painless as possible. For Joe Karsner & Associates, client satisfaction and health are the utmost significant components of their unique business model.