Insurance agent that cannot solicit your buisness and here to answer any questions
I am a national 2-15 lic insurance agent and work for a major corp taking incoming calls only – I have no way to solicit your buisness or would it help me to do so. I am happy to answer any and all questions I can, especially with open enrollment coming up I am sure many of you have questions.
A quick thought process on plan selection on how I take clients through the decision making process:
Insurance is not just the monthly cost but the overall annual cost for health care. Break it down into categories and figure out the cost per year – not just the premium cost.
1 – wellness – these are annuals, immunizations, colonoscopy, mammogram, stress EKG, etc. what you should do annually and does that cost you money to do so (almost all plans include this for no copays as it’s cheaper to keep you healthy than pay to get you healthy)
2 – doctor and specialist visits – these are outside of wellness but not urgent or emergency care. Ear infection is an example, see a doc and get antibiotics. Each person uses these differently so make an educated guess as to how many times you will see a doc or specialist. What’s the copay and what does that look like for you over the course of the year.
3 – medicine – do you take something monthly and what’s that cost. Look into other resources as sometimes insurance is not the least expensive way to obtain. Canadian pharmacy, manufacturers coupons, goodrx, etc. there are hundreds and a google search will get you a lot of resources.
4 – minor medical – things like urgent care – I tell people to expect one a year, even if they never have gone it doesn’t happen and use that as an annual cost of insurance overall. What is the copay for a visit.
4 – major medical – heart attack, stroke, cancer, etc. this is going to be covered with a max out of pocket. Deductible doesn’t matter much on a 100k plus medical issue. It’s max out of pocket. Can you afford this if it happens? What is your emergency plan? Most hospitals will work with you on payment plans as not many people have an extra 10k laying around anymore but you can also get supplementals from the private side. These are age dependent but a mid 30 YO could get a $10,000 accident $500 deductible for about $30 a month and $10,000 critical illness with $10,000 coverage and $0 deductible for $38 a month. Keep in mind that some things are not critical illness or accident – like a kidney stone – but the majority of issues will fall into these two categories.
You can also supplement income protection and accidental death and dismemberment.
Dental is broken out into preventative (cleanings), minor (cavity), and major (crown) and have separate copays for each with a max amount plan will pay annually.
Vision is usually eye exam and cost share on glasses or contacts.
I work for a Fortune 500 taking incoming calls only explaining plan details for all the carriers. I do not make outgoing calls and solicit buisness so this is just me offering advice where needed as I have many years of this under my belt. I am happy to help.
