We work with prospective clients all across the country who need to purchase health insurance. Oftentimes, the client wishes to know why they should use a health insurance agent to complete the transaction. In other words, why shouldn’t they just buy direct from the company? There are several reasons to use an independent agent including price, …
Category: Health Insurance
As a life and health insurance agent with fifteen years of experience, I am still unsettled by the number of inquiries I get from prospective clients who I cannot help. Pregnant mothers looking for maternity insurance, consumers who need dental insurance because of a root canal, family members trying to purchase long term care insurance for …
Category: Health Insurance
Anthem Blue Cross and Blue Shield offers several comprehensive health insurance plans in the individual, family and group marketplaces. We work direct with Anthem to provide those quotes to our clients – both on and off of the federal exchange. While Anthem may be more well known for their employer sponsored plans, medical coverage for …
Category: Health Insurance
Category: Health Care Reform, Health Insurance
Category: Health Insurance
The final presidential debate of 2008 highlighted the stark differences between the two candidates health care plans. In a nutshell, Senator McCain favors tax cuts, choice and portability while Senator Obama is looking for an increase in corporate and government responsibility. Either way, it may be years before any significant legislation is passed to reform …
Category: Health Insurance
Finding a suitable health insurance plan can be difficult for many consumers. However, obtaining reliable medical insurance with adequate prescription coverage requires even more due diligence. The problem lies in the fact that consumers taking several prescriptions are likely to have preexisting conditions or poor health. Poor health and/or several preexisting conditions may cause the …
Category: Health Insurance
When speaking with our prospective clients, oftentimes there is confusion as to the meaning of certain insurance terms. Consumers want to understand health insurance terminology. They also want to learn how it affects not only the cost of their health insurance policy, but also their out of pocket exposure. Listed below are explanations of common …
Category: Health Insurance
Employer based health insurance provides coverage for tens of millions of Americans. Unfortunately, many employees will be without coverage if they lose their job, quit, retire or if their company goes out of business. In most cases, an employee can elect COBRA upon losing employment. The Consolidated Omnibus Budget Reconciliation Act will provide 18 months …
Category: Health Insurance
Many families are in search of affordable health insurance that will provide maternity or pregnancy benefits. Health carriers offer such plans, but they vary in the amount of coverage provided. Most insurers provide no benefits for at least three to nine months and at least one insurance company will not cover a pregnancy for 18 …
Category: Health Insurance
There are several resources available if you are looking to purchase individual or family health insurance plans online. Most of the major carriers offer online health insurance quoting links that independent agents can post on their personal websites. These links will describe all of the plan offerings in great detail and then allow you to …
Category: Health Insurance
In an attempt to make health insurance and health savings accounts more attractive to consumers and businesses, Congress has revised HSA legislation in 2007. The new laws make HSA’s for individuals, families and businesses more beneficial which may likely increase the popularity of these plans. The intended result may be that more Americans purchase high …
Category: Health Insurance, Health Savings Accounts
The Internet has changed many industries for the better. Consumers want accurate and timely information at the touch of a button. The Internet is playing a major role in the insurance industry and in the process making more information are real time quotes available with the click of a mouse. Even better, consumers can enroll …
Category: Health Insurance
The most common question I am asked as an insurance broker is: “Who has the most affordable insurance plans?” My stock answer is: What benefits are you looking for? To which the customer might reply: “I want the best benefits I can purchase at the most affordable price.” We live in a county where consumers want the …
Category: Health Insurance, Health Savings Accounts