Marc Manor San Diego Independent Healthcare Insurance Agent says “There are many myths and misconceptions about Health Insurance and Financial Protection in the minds of the general public. They are easily dispelled by doing a little research and asking the right questions”
There are many people who think that agents are trying to sell them an insurance policy that is best for the agent and not necessarily the best for them and their family. While a there has been numerous instances of unscrupulous practices by some agents, the majority of agents are honest, hardworking people just like their clients.
Some important things you should look for when you need a Health Insurance Professional are;
• Is the agent licensed? Additionally, in California, agents are to display their license information on all their advertising (business cards, web sites etc. License information in California can be verified at https://interactive.web.insurance.ca.gov/webuser/licw_name_search$.startup
• Is the agent appointed with the company? This information is also available on the aforementioned website after you locate the agents name and click on the license number (frequently insurance products are underwritten by a parent or associated company of a different name. The name should be easily located and verifiable).
• Are there any references, testimonials, or complaints associated with the agent. Does the agent have any advanced certifications such as Consumer Directed Health Care (CDHC) Certification?
In choosing the right Health Insurance Professional you should prepare a list of questions.
What if I can’t afford the coverage, can I cancel?
Healthcare coverage should only be cancelled during the open enrollment period. This is because in order to meet the requirement to obtain replacement coverage, certain requirements must be met. These requirements are referred to a “special” or “qualified” enrollment. You will not qualify for a special enrollment period if: you terminate coverage voluntarily, your coverage is terminated due to fraud, you fail to pay a premium, or you lose coverage for plans like Short Term Medical or Fixed-Benefit Insurance. A qualified agent will help fit a plan that is affordable so cancellation should not be required.
What if I am healthy and I feel I don’t need health insurance?
It’s true that a healthy person may think they not use insurance; however, no one is immune to sickness and/or injury and sickness and/or injury can lead to costly medical bills.
Will I be able to keep my doctor/physician?
Healthcare insurance typically is structured as a “network” of providers. The two most common types are Health Maintenance Organizations (HMO) and Preferred Provider Organizations (PPO). Typically the HMO is more structured and requires the insured to remain within the network. PPOs on the other hand, have a little more flexibility in that; the insured can usually go outside the network but at a higher cost. It is always best to ask the agent when choosing a plan, to look up any preferred physicians prior to purchasing a plan. Supplemental products such as accident and cancer coverage typically have no network restrictions.
May I enroll in a Health Savings Account (HSA) if I choose this plan?
HSA’s can be very helpful in offsetting the costs associated with deductibles and co-insurance. HASs allow the insured to set aside tax-advantaged dollars that can be used to cover out-of-pocket medical expenses.
How much supplemental coverage can I afford?
Most people can afford the equivalent of 1-2 hours of their wages per week. The 1-2 hour formula can serve as a starting point for most individuals/families. After that, it becomes a matter of compiling the current liabilities a person should consider. Each person or family has unique situations. Many times an objective opinion on who best to manage a family budget is a good idea.
How do I file claims?
This question does not come up as often as it should because most people think as long as they have an insurance card, their claim will be paid directly from the insurance company to the health care provider. This is generally true for major medical insurance; however, supplemental and indemnity insurance plans sometimes need to be filed separately by the insured. Some agents will assist in the claims process, other companies have claims personnel that can be reached via telephone at the home office. Be sure that it is clear how the claims are paid and who to contact if the need arises. A time of crisis is usually not the time to be looking through the file cabinet for contact numbers. Keep contact phone numbers along with policy numbers accessible to expedite the claims process.
You can see more about Marc Manor at Small Business Trendsetters http://smallbusinesstrendsetters.com/marc-manor-san-diego-independent-healthcare-insurance-agent-choosing-obamacares-best-plan-for-you/
On CNN iReport http://ireport.cnn.com/docs/DOC-1146908
On his Web Site http://marcmanor.mymedicalquotes.com/HomePage.aspx
Or by calling 619-798-8240