Insurance Info

When you start combining major medical plans with ancillary plans, is when you will start separating yourself from your competition, protecting your book of business from client poachers and increasing your average commission per client. Ancillary or supplemental plans are your tools for closing benefit gaps created by trying to decrease premiums.

For example, for most clients the premium for a $5,000 or even $10,000 deductible plan is attractive, but the high deductible can make them nervous. So here’s what I do. I automatically include the A&I (accident & injury) coverage into the proposal and many times even the CI (critical illness) coverage as well depending on the age of the adults. And here’s exactly how I propose it: “Mary I am going to recommend that you consider the $5,000 deductible plan over the lower deductible plans and here’s why. The premium is $200 per month less than the $1,500 deductible that you were interested in. What we’ll do is add the ancillary accident and critical illness coverage to your plan. Continue reading ‘How to Combine Ancillary and Supplemental Plans With a Health Insurance Plan to Fill in Benefit Gaps’ »

People often lose patience when it comes to searching for health insurance plans. The information is abundant, packed with terms one does not understand and the comparisons between programs is not at all time-effective. Instant health insurance quotes may ease things up for you, even if the services do not have a 100% informational coverage. These services are free and they very quick to use.

Enter personal details and answer a set of questions before you apply for instant health insurance quotes. Then the automated program selects the quotes that match your criteria. Instead of passing chaotically from one insurer to another, it is much easier to process information in this manner. This will certainly take time, but at least you are better organized and you have the most relevant pieces of information you need. An informed decision makes a good decision. Continue reading ‘Instant Health Insurance Quotes’ »

Congratulations on your decision to have a baby. It is important that you are able to receive pre-natal healthcare and not be stressed about the costs of the birth. A normal no issues birth costs about $6000 not including pre-natal care. Complications such as a cesarean or premature will make the cost very much higher. Hopefully that does not happen but it can and that does not have to be a stressful issue.

The best way to take care of this is to be on an employer sponsored health insurance plan. All employer group plans cover maternity. Maternity benefits are not subject to any waiting period or pre-existing condition exclusions even if the person is already pregnant when she enrolls.

It is not necessary for both parents to be on an employer insurance plan. If the wife is working where the employees are offered the employer group insurance, then she should be enrolled on the insurance. If she is not enrolled then she should enroll during the open enrollment period for the insurance. You need to find out when that is and be sure to enroll. You only need to enroll yourself. Continue reading ‘Florida Health Insurance – Maternity Benefit Options’ »