We can help you get into a health insurance plan for Medicare or individuals
Helpful Notes
Advertisments
All advertising has two goals. One, is to make you aware of who is selling what and secondly, stir you to action. It's that 'stir to action part that's tricky because every company wants to you believe they are the only company you should buy from.
Competition Breeds Differences
If products from different companies are basically the same, each company strives to differentiate themselves from others. For some, it's price, for others, benefits It's up to you who must decide how this mix best fits you.
Giveth and Taketh Away
Some companies appear to offer more benefits. More giveaways usually means more takeaways somewhere else. A medical plan with extra benefits-or-extra benefits with a medical plan is not the same. Carefully look over all the benefits and features of a plan to get a sense of what that plan will offer you. What is it that you value?
Price is a Variable. Always.
In the insurance industry, pricing is usually determined by the sum of claims, administration and profit divided by the number of insureds. When any one of the variables move, so does pricing. A Good Price this year, does not necessarily mean A Good Price in future years.
Rate Stability
A large company offers stability. Because. The factors that make everything work are there, year after year. Lots of insureds bring in lots of premium to pay lots of claims and lots of costs. For stable rates over the years, your best bet is a large company.
The 800 People
There are national agencies who advertise on TV and employ people to get on the phone and enroll folks into plans using long known methods of high levels of persuasion.
800 numbers have been around for some time now, so most of us have been through the hype and reality, the good and not so good, of telephone transactions before . Most of us well understand the risk of dealing with someone on the phone.
Thing is, if legitimate, they offer the exact same plans and benefits that a local agent does.
The 800 folks need to make you think there is a difference, as they have but one chance to cajole you into doing business with them. Even if you don’t agree, there’s a good chance likely be switched. A local agent is not under that time pressure and, works free of charge.