Top Five Things You Should Know When Buying a Policy!
Seek the assistance of a company appointed Agent! Contrary to popular belief, you don't pay an insurance agent anything
more than what your monthly premium would be and it does not cost you anything more on your policy premiums. The terminology "insurance agent" is not the same thing as "reality agent". Your reality agent gets a % of the sell of your home. Your insurance agent is appointed and paid a
commission fee by the insurance carrier to take care of you. Insurance companies prefer working with agents because of established
training and requirement protocols. Some agents such as myself are electronically hooked up to underwriters to process cases more efficiently. We know what is expected and meet the various requirements
of Texas health insurance.
A knowledgeable and experienced agent is important to get you the very best possible rate. Many times there are situations that could waiver an underwriter from raising your rate up or down. How well is the agent's web site designed in helping you? How well does the agent explain things to you
about Texas health insurance policies?
What our competition doesn't want you to know!
An experienced agent has a full customer service support staff behind them.
It would be in your best interest to deal with a
large local agency that has full time dedicated
claim & customer service representatives to
assist you. It is critical to have a
knowledgeable claims rep. that can assist you
with claims that have not been properly paid.
See "About Us". Most insurance web sites are geared to only sell and not service. A good claim manager can get it fixed in less than 48 hours.
Know the health conditions of you and your family members.If there are many health conditions of a serious nature than the more important it is to get geared towards making a case to insure you with an underwriter. The more medical information you gather such as medical records, current prognosis, current medications, planned treatments, pending procedures, etc, will greatly aid you in approving favorable rates if you fall into what underwriters call "high risk" category. We lay out a complete medical snap shot of your medical demographics to an underwriter. The more homework done the better an underwriter feels about releasing approval!
If you are a single employee of a corporation or self employed. Consider taking advantage of HSA accounts and Cafeteria plans. These are deeper discounts
(not in premium rates) with tax savings that we can offer at
reasonable fees for residents seeking health insurance in Texas.
If you have a complex medical history then ask us to help you apply with a minimum of two insurance companies at the same time. This is a highly effective method to encourage market competition for your case. It only takes a matter of minutes to complete a 2nd application and it can save you money.
Do not cancel any existing coverage until the insurance company you are applying with has approved you officially. Once approved please don't forget to cancel your existing policy. We are not permitted to cancel your existing plan. We can assist you in placing the effective date near or at your other policy's termination date so that you don't go without coverage. You do not want to let your coverage show a lapse of greater than 63 days because this will cause you to have a full 12-month pre-existing clause.