Tis the season for confusion and cursing our medical systems (the government that made it, the insurance companies, the Insurance Agents…ouch)
While everything is not roses and chocolates I do have some wins from this week I wanted to share with you!
I had a lady this week that was paying in excess of $250 per month in premium (what she pays for her coverage) and about $1800 a year for her prescriptions.
After much discussing (about 20 minutes) she decided to go with a plan that only cost her $105 a month and saved her an additional $1200 a year on her medication!
Since she is on a fixed income, she was very happy with the savings and satisfied with the coverage.
I met a lady that had called just ONE company who sent an agent out that could write ONLY for that company. While her coverage was very good she was paying $170ish a month for her coverage.
I represent MULTIPLE companies so I will look between them and find who has the best pricing for the product for my clients. I am looking at changing carriers (EXACT same coverage) and saving her about $30 a month!
Use an agent who can help you, not pigeon hole you!
I get paid by the insurance company, not you!
I DO NOT ACCEPT MONEY FROM YOU, THE INSURED! That means it costs you NOTHING to sit with me.
But your win is from my experience and knowledge, I have been in the world of insurance since 2007.
I am appointed with MULTIPLE carriers (I have more than 1 choice for my clients) I can help you make an informed decision, not just steer you to the ONLY company that would pay me (see WIN 2 above and what happened to her)
I had 2 clients call and the doctor’s office decided to quit taking individual major medical policies.
The Doctor’s office also WRONGLY called them Obama Care policies! The Doctor’s office not only decided to quit taking individual polices (regulated by the Affordable Care Act) they also decided to quit accepting the Grandfathered policies and individual policies issued outside of the Marketplace/Exchange.
The LOSS 1 is beyond my control.
Please use a LOCAL Licensed Insurance Agent, not some 800 number on TV to help you make an informed decision. Please do not do it on your own, I think your health is more important than that.
And please remember everyone’s situation is different so what worked for you may not work for your neighbor or spouse.