Archive for February, 2009

Here is a simple strategy to help you through these hard times.

A consumer who has a health insurance policy that is no longer being sold by their insurance carrier will typically pay more for coverage than they should. This is something known to many insurance agents, but many consumers are unaware of this fact and wind up holding on to more expensive policies.
Discontinued Medical Insurance Policies [...]

A good insurance broker can often save you a lot of time and money. An agent who works with several companies that offer the type of insurance that you are interested in can do the shopping for you. You will only need to tell your story once. Your agent can then eliminate most plans and [...]

I may be one of the only people who sell private health insurance who thinks that universal health care might be a good idea. The idea that universal healthcare will not create higher taxes is ridiculous to my way of thinking, but we may get benefits worth far more than that.
One of the things that [...]

Dental insurance is a nice, but non essential type of coverage to have. Because individual dental insurance plans will almost invariably have low annual limits on coverage, dental insurance does not protect against a catastrophic event.
No Catastrophic Coverage
A typical dental insurance plan might have an annual cap of $1,000 to a few thousand dollars [...]

Very few medical insurance policies will pay 100% of your medical expenses. Many people will ask their agent “what is my doctor’s office visit co-pay?” but will fail to inquire about the other charges they might have to pay. You will probably have to pay a deductible, a co-pay and/or coinsurance when presented with a [...]

A lot of my clients will ask me if they should or shouldn’t list a particular pre-existing condition on their insurance application. Some will be very explicit and others will just hint at the question.
In many cases, nothing will happen. The client will get their private medical insurance policy approved and that will be [...]

Before looking at expensive or restrictive policies, make sure that the pre-existing condition you are concerned about will actually prevent you from getting coverage. Sometimes the medical condition that causes an individual concern, is not one that causes an insurance company the same level of concern. Health insurance for high risk individuals can be hard or impossible to find, but getting information and quotes from various sources will keep you from paying more than you should.

An insurance agent or broker can help you save time, money and aggravation. You can get the same price for the same policy if you deal directly with an insurance company, but you may not know where to look or what to look for.
An Insurance agent who works with several companies can save you time. [...]

Depending on your income and other factors, you may qualify for a low cost health insurance policy from a private company, the federal government, your state or a local agency. Children’s low cost insurance may be available through your state.
You may be able to find information about a plan in your area that provides coverage [...]