Monthly Archives: June 2016

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How to Choose the Best Health Insurance Plan For You

28Choosing a health insurance plan can be a frightening task. nike air zoom schoenen So many things to consider and so many “tricks” to look out for.

Although it can be a little overwhelming at times, you can navigate through the shark infested waters and find a Health Insurance Plan that is perfect for your situation and at a price you can afford.

There is one very important thing you need to do before you get started…decide exactly what you need.

You can’t choose the plan and the benefits that are right for you if you don’t know what you need.

To figure out what you need, you have to answer a few questions of your current situation both about your health and your financial situation.

The more money you’re willing to pay in a family deductible, the less expensive any health plan will be because you are accepting some of the risk and that saves the insurance companies money.

So the first question you need to answer is how much do you want your deductible to be each year for family and individual? This amount can be determined by what you think you can afford to pay if something catastrophic were to happen to you or your family.

The way that we choose our deductible was that we looked at the difference in the monthly premium for each deductible and then figured out how long it would take us to make up the difference in deductible for each deductible level.

For instance, the plan we were looking at had deductible levels at $4,500 and $5,400 per year for our family. adidas pas cher The difference in the monthly premium between the 2 deductibles was $300 per month. Asics Pas Cher So we figured that in only 3 months we would save enough money to pay the additional deductible and the other 9 months we would put into our pocket as savings. Adidas Ultra Boost Heren Does that make sense?

The next question that you need to answer when choosing a health insurance plan is the type of plan that you want…do you want co-pays for doctor’s visits? If you do, how much do you want to pay?

Do you want prescription drug coverage?

There are a lot of types of health insurance plans and I think that each company names their plans something different so it’s hard for consumers to compare apples to apples. Nike Sko Norge Nettbutikk But there are 2 basic types right now:

1. PPO – which is a preferred provider organization 2. HSA – health spending account with accident and catastrophic rider policies.

The PPO is the traditional health insurance plan that most employers offer. nike air max pas cher It has co-pays for doctor’s visits and most of the time prescription drug coverage. The employer pays for the employee’s coverage and the employee must pay for the coverage for his family.

The PPO is the Cadillac of health insurance plans. Asics Gel Lyte 3 And since it is group health insurance, you cannot be refused coverage if you are a part of the group.

This can be a good thing and a bad thing. Nike Air Max Flyknit Dames If the group you’re in has a lot of sickness and/or accidents, the insurance company will increase your premiums. Memphis Grizzlies If the group is healthy and doesn’t have a lot of accidents, the insurance company will increase your premiums.

Health Insurance Plan for Parents and Children

27A health insurance plan that covers not only you but your whole family is a solid deal. In a single premium you get to cover up to 15 members of your family. Such comprehensive health insurance plan is called a family floater plan. Since, it is a single policy that takes care of every family member of yours; you are escaped from the task of maintaining records of numerous individual health policies and keeping track of their renewal dates. Also, a family floater policy costs you cheaper than taking numerous individual policies.

As cost of other things rises, the cost of medical expenses also rises. goedkoop nike air max 2016 Health insurance policies offer the feature of increasing the sum insured after some years. Sometimes, as a reward for your timely renewal of policy and no claims, the insurance company increases the amount of your sum assured. nike tn noir femme A family floater policy is a life saver for the house and keeps you ready to face any medical contingency with confidence. In case of medical emergencies, many times the cost of treatment causes more fear and pain than the emergency itself.

For what was earlier considered as a luxury is now a necessity. Nike Pas Cher The service sector has boomed exponentially in India over the past decades. And thus, this boom has passed on economies of scale to the insurance and banking sector as well. The premiums are quite affordable and the service has bettered. The IRDA since its setup in 1999 has taken good measures to regulate the insurance industry and win the trust of masses in insurance. Earlier people were very skeptical whether their claim would be paid or not but that scenario has changed a lot since.

Earlier the only health insurance people used to have was the one done by their employer for them. Apart from that only a select few used to buy it. Garrett Richards Baseball Jersey Some people used to buy health insurance only for the tax benefits. One can get a handsome tax exemption under section 80D, but is not the only motivation to go for a health insurance plan. Nike Air Max 2017 Homme With increasing awareness people now know how beneficial a health insurance plan is to them.

You can also take health plans exclusively for your parents. Such plans have no entry age limit, cover pre-existing diseases like Diabetes and Cardiac conditions and 100% claim settlement without co-pay. Yunel Escobar Jersey Aging parents have more medical needs to tender to. Adidas Goedkoop If parents are senior citizens you can get additional tax rebate up to Rs. 20000 for the money paid as premium.

Compare health insurance plans to avail the best deal and a plan loaded with attractive and suitable features. Following the experts, one should compare plans of at least three companies before buying. Being more informed about the market, you can take advantage of the competition. Asics Gel Quantum 360 Dames Thus, a healthy advice is to do ample market research and evaluation.

What The Absolute Best Health Insurance Plans

26What the absolute best Health Insurance Plans and are you being charged a fair price?!

A health insurance plan is one that will give you the most benefits for your money. Let’s take a detailed look at the different types of Health Insurance Plans and see which ones make the most sense to buy. Nike Air Max 2016 Dames Then let’s take a look at actually purchasing the plans and making sure that you aren’t being overcharged.

What are the different types of Health insurance Plans?

1. nike air max 2016 grijs Indemnity Plans- The basic Health Care Insurance plan. Nike Air Max 2017 Heren High premiums, high deductible(meaning you pay a certain amount of money per claim before the Insurance company pays anything) but you get to choose your own doctors and hospitals.

2. Maglia Tony Parker HMOs or Health Maintenance Organizations- Cheapest but the least flexible health plans. Copays are cheap but the Insurance company tells you which doctors you can see and you have to get those horrid referrals from your insurance chosen doctor to see any specialist.

3. PPOs or Preferred Provider Organizations- More flexible and a tad more expensive then HMOs. Nike Pas Cher While cheap co-payments are a plus and you don’t have to get a referral from your doctor to see a specialist; if you see a doctor outside the list of doctors who are recommended by that specific insurance company you may have to pay the bill yourself then resubmit the bill to the insurance company. nike air max 180 chaussures OR worse you may have to pay the deductible or the difference in costs between what the non insurance approved doctor costs to see vs seeing a doctor that the insurance company approves.

4. Adidas Superstar Schoenen Dames POSs Point of Service plans-More flexible still and a little more expensive then PPOs If you feel the need to see a doctor outside of those the Insurance company approves all you have to do is get permission from your regular doctor to go see whichever doctor you want to see and you’ll be covered by your Health Insurance Provider. fjallraven kanken classic 16 L Also POSs provide a lot more preventative health care such as gym membership discounts, etc. The only bad thing about this is that you need a regular doctor that you see to give you permission to go see other doctors.

How to get a fair price for a Health Insurance Plan

Now that we have an idea about the different types of Health Insurance we need to make you can get a fair price, after all with gas prices so high nobody needs to be paying more than we already are!

First things first- You’d better shop around and do price comparison. Joe Montana College Jerseys Which thankfully is easy thanks to the internet. Just Google search for a health insurance comparison website and after filling in your health information along with the type of insurance you want you’ll be on your way towards finding affordable health insurance.

When considering choosing a health insurance plan one must consider which plan works for you and or your family the best. nike pas cher The main way to choosing the best policy is to weigh up all the alternatives of all the different plans, have a budget, have a goal set in mind as to what you want and what you can afford then go from there.

The Best Health Insurance Telemarketing Script

25Developing a working script is one of the essential elements of any health insurance telemarketing strategy. fjallraven kanken backpacks uk While many companies that provide telecommerce have scripts available its advised that you create your own script, at least as a reference so you are getting the qualified prospects you want. Maglie NBA a Poco Prezzo There are many reasons behind this including:

  • You understand your prospects and their needs much better than another script creator ever will.
  • General scripts might have been used by the competition and potential customers could have previously heard them.
  • The script will be designed to generate qualified prospects you want, and will not include extra questions which are irrelevant to your needs.

Even though it is important to use a script made just for you there are a number of approaches that can be used to enhance sales.

  • Uncomplicated scripts are generally the most effective telecommerce scripts. Nike Air Max 90 Donna The prospect has to know why you’re calling and why they should be interested within several second of getting on the phone.
  • Get to the point promptly, do not go with your entire sales pitch on a cold call, stick with the essentials.
  • Keep the goal of the call in mind when creating the script. Fjallraven Kanken Big If you are generating a lead or setting an appointment that should be the objective of the call. Nike Air Max 2016 Heren blauw Nothing else should be included.

Here is a basic script outline you can follow:

Hi, This is NAME with XXX Insurance Company and we are a local health insurance broker here in your city and we specialize in saving individuals like you a lot of money and improve your medical coverage. Nike Dames With all of our plans you get to keep all your current doctors!

Rebuttals to common questions:

  • This isn’t a sales call, we just want to verify some of your information and get out a free quote that can save you money on health insurance.This will only take a couple minutes and could save you thousands of dollars.

I just need to ask you a couple quick questions so we can make sure you are qualified and get you out the lowest rate quotes with the best coverage possible:

  • Are you currently insured?
  • (If yes) who do you currently buy your health insurance from?
  • What is your age?
  • Do you use tobacco?
  • Is there anyone else to be covered with you on the quote? (Wife or kids)
  • What is the best email to send the quotes to?

Thanks for your time. Sac à Dos Kanken Fjallraven We’ll have one of our agents call you back with an updated health insurance quote, have a great day!

Once you have your script finished its not set in stone. Zapatillas Air Max Nike It can require some changes based on the telemarketer’s feedback to get things running smoothly after the calls start to be made.