Answers
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.
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.
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?
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.
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.
Term Life Insurance, No-Medical Life Insurance Company CompassQuote ...
He said the company has reduced the average underwriting time down to 28 days. Across the industry, the average time to underwrite a customer ranges from four to eight weeks. The quick turnaround is due in large part to the company's direct correspondence with customers, Greenberg said.
"As soon as an insurance carrier requests records such as an attending physicians statement or other medical documents for a customer, CompassQuote corresponds directly with the customer to get the ball rolling," Greenberg said.
He said consumers can register on the CompassQuote Web site and fill out a short, two-page form with personal information required for insurance carrier requests -- enough to fill out 90 percent of the insurance application.
The form is then sent direct to the consumer for their records. By pre-filling this form out, the process of mailing paperwork back and forth between life insurance, doctors and consumers is cut to a few minutes. Other insurance companies ask customers questions, and then call them -- and it takes 30-plus minutes to fill out the form, delaying the process, Greenberg said.
When To Contact An Insurance Broker | The Ultimate Insurance Guide
If you are one of the many people today who are researching vigorousness insurance plans because you demand to obtaining either an separate salubriousness insurance outline or a dearest healthfulness insurance drawing, there are many things you demand to cogitate on before making your determination.
You will need to start out by communicate with several insurance providers to profit embryonic policies. When you get each tactics you will inadequacy to look through all the bumf carefully, and ask questions on anything that is unclear to you. You will poverty to ask questions about pre existing conditions, if someone that is being covered is currently under medical treatment for a medical brainwash. In theses cases you desire to be predestined that the approach will act a medical needs, due to the train, that may originate. Otherwise there is no coherence in wasting your ever prevalent over the plan.
Once have contacted numerous companies, and have an sageness on what the policies will eiderdown, you should then bear the unconventional companies. When doing this you demand to weed out any of the policies that do not come together the medical coverage you thirst, or penury. Once you have a few policies that you find apt you will then basic to telephone the companies again and clear quotes for each of the plans you are interested in. This will with you in conclusion the ones that proper for you fiscal limits as well as your medical prerequisite.
This is where you will find the most vex with your search. Judgement a constitution insurance intend that is both affordable and suits your medical needs can evince to be a dare, you may even find yourself having to start the technique all over again. It is vital to not get discouraged, otherwise you may end up settling for a coverage script that not only price more than you can give, but also doesn’t have all the coverage you hot pants. Many individuals will do this change two or three antiquated, but in the end they have a way that is methodically what you are looking for.
...News
New Report Highlights How Health Insurance Reform Will Reduce Costs for Small ...Reuters - Oct 29, 2009
On average, small businesses pay up to 18 percent more than large firms for the same health insurance policy. This difference is due in part to high broker and more »TransWorldNews (press release) - Oct 28, 2009
There is no question that health insurance is necessary for all but the wealthiest of Americans. To get more information on Health Insurance Broker Online, and more »New York Times - Oct 24, 2009
MLive.comInsurance brokers and benefits consultants say their small business clients are seeing premiums go up an average of about 15 percent for the coming year Purchasing a Health Care Insurance Planall 714 news articles »
Seeking Alpha (blog) - Oct 29, 2009
It also helps the broker community know that we are committed to growing the broker distribution channel and accessing the large employer market. and more »Reuters - Oct 30, 2009
OMG's middleware standards and profiles are based on the Common Object Request Broker Architecture (CORBA(R)) and support a wide variety of industries. and more »