Forex Digest

I am applying for insurance and my broker is a related party. I went to get tested for stds and I DO NOT want him to see that. What level of detail does he see when I provide him with Doctor contact information? What type of information does a Doctor provide?

The broker won't see the medical records directly - what they will see, are underwriting notes if your policy is "uprated" or declined - the reason for the uprating or declination.

2007-09-25 15:59:16 by Zach W

Consumers describe how eHealthInsurance helped them find the right health plan for their needs and budgets. Personal finance expert Jean Chatzky ...

I am looking to obtain a medical insurance policy. Any insurance brokers out there want to quote me? I am 21 years old. I have excellent health. 6 foot 160 llbs. 92630 zip code. California.
i am self employed.

Are you self-employed? You may want to look at a co-op set up within your industry if so. These can be accessed by joining associations for your line of work. Just be sure you check the association thoroughly to make sure they're on the up-and-up.

If you're employed BY someone, then it's going to be cheaper there. There's not an individual or co-op on the planet that's cheaper than a group policy. It's all about buying power.

The best you can hope to do for a reasonable rate if you HAVE to go individual is try to buy what we in the industry call a 'catastrophic policy'. These plans are very high deductible but they make sure you don't lose everything you own if you have a catastrophic accident or illness. These are the lowest premium plans you can find.

In conclusion, I seriously suggest that you not even bother with an individual plan if you can find any other way. I've been in the business a long time and I'll be blunt in saying that there are almost no benefits to having an individual policy. It'll hit your wallet, it'll affect how you're treated by your carrier, and it'll make you count the days until your policy is over.

2006-11-20 17:23:46 by ondreforsure

I have been working with an insurance broker to try and reduce our $1,500 COBRA health insurance premium to something more manageable. I have just learned that due to our 6-month old's medical condition, namely Patent Foramen Ovale (PFO) we are not entitled to family health insurance for my son.

I have written more about this on our blog:

http://wecansurvivethiseconomy.com/

We can get insurance for the rest of us but that leaves my son with nothing which is obviously not an option. So instead of moving to a more affordable plan costing around $500 per month we have to stick with COBRA until this small hole (currently around 1-2 mm) closes.

Does anyone know of any other options?

Check with your state children's health insurance program - depending on what state you are in, it's possible that you could get welfare health insurance for this child, and exclude them under the family policy you're looking for.

But keep in mind, a good low/no deductible family health policy, without maternity benefits, is going to run $1200 a month. A high deductible plan might work, also.

Or, maybe you can switch the cobra to just that infant, and do the family plan for everyone else.

A family plan at $500 a month, that's going to have a massive deductible on it, right, like $5,000.

What does your AGENT suggest?

2008-12-03 08:20:29 by Markahoo

If I have to go through a broker, where do i find these brokers in my area? Spartanburg county South Carolina.

You can't get a "broker" to do your marketing for you. You'll need to hire a marketing person. You have to market your service, to the private health insurance carriers in your area.

Straight sales, just like any other service someone is trying to sell.

2008-04-19 16:46:07 by david d

i am going to start doing appointment setting for an medical insurance broker is it difficult to do? I have the speech down pretty good but seriously does this work?

It's a numbers game... depends on the quality of the list you're calling, the quality of the script your using, and your ability to deliver it convincingly and naturally.

Also, what's your paycheck depend on? Hours, calls, appts, or sales? Will govern how hard you push for an appt.

2006-07-06 12:36:34 by blondiebella