A guest post by a helpful resource
Dear readers,
I invited a health insurance agent to write a guest post for Life on Avenue Z. I found talking to him very helpful in light of my challenges in finding a good health insurance policy for my small business as a professional writer.
From David Lindsey…
Finding quality Health Insurance is hard these days…Part of the common stereotype of
the past Insurance Salesman has caused thousands to flee exposure to a bad experience in there own home, to trying to sort it all out online. That leaves the shopper working blind.
Just like you would not go to court on your own, or operate on yourself, you need a professional, but not a pushy salesman. Today, I am an educator. In Insurance, the internet should be used to gather information, but it is invaluable to find an expert you can trust who can help you in 3 important areas.
- You need to understand the market, what the landscape looks like.
- You need to have options/choices of carriers and plans.
- You need to have the subtle differences between the plans/carriers explained in detail.
The most commonly overlooked but most vital is the Annual Maximum Out of Pocket exposure. This is your deductible plus your co-insurance, should something bad happen. Many California plans have Max Out of Pocket exposure of $7500 per year. An overnight stay at the Hospital for observation, or a Outpatient Surgery could run you $7500 making you wonder where is the insurance.
Humbly, I am one of those Insurance Agents, but I am different. I want you to fully understand all of the above, before you make a decision. SO, to avoid being sales-y here, check out my website www.davidlindseyinsurance.com, see what they are saying about me and if you have a need in California, let’s talk.
I was invited personally by Beth to attempt to address some of these concerns. We met recently at a Constant Contact seminar, spoke of her needs and here I am. If I can help you improve your situation, I will tell you. If I cannot, I will also tell you. One more thing…you pay the same premium if you go direct or if you go through an agent. The commission is there, so find a professional to earn his fees by helping educate you and help you find the right coverage for you.
