Insurance Agent Forum - Individual Health Insurance Forum http://www.insurance-forums.net/forum » Are you looking to buy or sell individual health insurance?» Post your comments and questions about individual health insurance marketing, products, strategies and ideas. en Fri, 20 Nov 2009 20:39:11 GMT vBulletin 120 http://www.insurance-forums.net/forum/images/misc/rss.jpg Insurance Agent Forum - Individual Health Insurance Forum http://www.insurance-forums.net/forum Need Your Opinion http://www.insurance-forums.net/forum/need-your-opinion-thread16347.html Fri, 20 Nov 2009 20:16:33 GMT I'm thinking of getting back into more aggressive marketing of Health Ins. (Like re-trying Quotit, buying "leads," work more on website et al) HOWEVER, with the Obama/Chairman Mao takeover looming does that make any sense???

Should I just chill and wait? I'm feeling re-juvenated and am running a little slow on referrals which is all I've been doing this last year.... WHAT SAY THE GURUS OF INSURANCE and SWING???

:yes: or :no: ]]> Individual Health Insurance Forum rapidrobert http://www.insurance-forums.net/forum/need-your-opinion-thread16347.html Hmmm: Is the AARP Getting “kickbacks” from Obamacare? http://www.insurance-forums.net/forum/hmmm-american-association-retired-persons-getting-kickbacks-obamacare-thread16346.html Fri, 20 Nov 2009 19:32:46 GMT *Hmmm: Is the AARP getting “kickbacks” from... Hmmm: Is the AARP getting “kickbacks” from Obamacare?


Michelle Malkin Hmmm: Is the AARP getting “kickbacks” from Obamacare?

$100 Million to Senator from Louisiana and I am sure a lot more payoffs are in the bag.

The Demcare bribe list

Michelle Malkin The Demcare bribe list
:1confused: ]]> Individual Health Insurance Forum URDRWHO http://www.insurance-forums.net/forum/hmmm-american-association-retired-persons-getting-kickbacks-obamacare-thread16346.html Zero Deductible Health Insurance with Cash Back http://www.insurance-forums.net/forum/zero-deductible-health-insurance-cash-back-thread16342.html Fri, 20 Nov 2009 18:05:43 GMT I've recycled an old sales idea and am calling it:

Quote:
"Zero Deductible Health Insurance with Cash Back"
Few things are more frustrating to me as an agent than when I try my hardest to get someone to buy the best plan and they decide to buy an overpriced low deductible policy instead.

Often I'll talk to one spouse and get him or her to see the wisdom of an HSA or some other other high deductible policy.

Unfortunately, the spouse who wasn't part of the conversation is often a better sales person than I am. I'm often told "what you said makes sense but my (husband/wife) thinks..."

They will often buy the more expensive policy and the family winds up giving money to the insurance company that should have stayed in their bank account.

Sure I make a commission, often a higher commission on the more expensive policy, but I feel like I haven't done my job when they buy an overpriced policy.

Who else is similarly frustrated? Any other sales concepts to share? ]]> Individual Health Insurance Forum Alston http://www.insurance-forums.net/forum/zero-deductible-health-insurance-cash-back-thread16342.html Diabetic - RX http://www.insurance-forums.net/forum/diabetic-rx-thread16331.html Fri, 20 Nov 2009 11:54:50 GMT Looking to find *diabetic* drugs. Anyone know a... Looking to find diabetic drugs. Anyone know a good place to send a client too? Insurance company has a cap.

Thanks! ]]> Individual Health Insurance Forum JNJ http://www.insurance-forums.net/forum/diabetic-rx-thread16331.html IMO for Aetna Offering Advances http://www.insurance-forums.net/forum/independent-marketing-organization-aetna-offering-advances-thread16323.html Fri, 20 Nov 2009 02:23:03 GMT Anyone know an IMO offering advances with Aetna? Anyone know an IMO offering advances with Aetna? ]]> Individual Health Insurance Forum BlueChairMan http://www.insurance-forums.net/forum/independent-marketing-organization-aetna-offering-advances-thread16323.html Telemarketed Leads http://www.insurance-forums.net/forum/telemarketed-leads-thread16304.html Thu, 19 Nov 2009 19:12:45 GMT I am soooo glad that AADATALINK has decided to... I am soooo glad that AADATALINK has decided to join this forum! ]]> Individual Health Insurance Forum arnguy http://www.insurance-forums.net/forum/telemarketed-leads-thread16304.html Indiana Agent Needs Help http://www.insurance-forums.net/forum/indiana-agent-needs-help-thread16309.html Thu, 19 Nov 2009 17:23:07 GMT Heres the deal My client has had it with his... Heres the deal

My client has had it with his group coverage. He just took on a 60% increase in premium.

I'm thinking about writing all 25 employees with an individual carrier and save the guy around $60,000 a year in premiums...... I've pre-screened the group and it's looking good except for a few with some pre-exsistings.

I'm 100% sure I'll provide better insurance then his group can.


Suggestions Please ]]> Individual Health Insurance Forum Patriotagent http://www.insurance-forums.net/forum/indiana-agent-needs-help-thread16309.html Need Individual Insurance ....but.... http://www.insurance-forums.net/forum/need-individual-insurance-but-thread16285.html Thu, 19 Nov 2009 00:22:05 GMT I am new to the insurance world and jsut passed... I am new to the insurance world and jsut passed exam 2 weeks ago for life and health and sickness.

I have no clue where to go to get health insurance for myself and hubby. We are both self employed. Right now I am paying cobra from my job I was laid off from last month. However, cobra is through the roof.

The other issue is - hubby is a type 2 diabetic so not sure if that will be covered or if it will be a pre-exsisting condition even though we have not had a lapse in coverage. Any suggestions???


EDITED TO ADD: I am in Georgia
- - - - - - - - - - - - - - - - - -
Ps...how do I change my state? I am soo not in Alabama lol ]]> Individual Health Insurance Forum sporty http://www.insurance-forums.net/forum/need-individual-insurance-but-thread16285.html <![CDATA[The UP's N DOWN's...]]> http://www.insurance-forums.net/forum/ups-n-downs-thread16263.html Wed, 18 Nov 2009 09:05:40 GMT What are the UP's and the DOWN's of working with a GA? Why should I, or why would I work with a GA? What are the pro's and con's in your opinion??? Please help. Newbie seeking answers. Thank you in advance ]]> Individual Health Insurance Forum kevinroyale http://www.insurance-forums.net/forum/ups-n-downs-thread16263.html Supplemental Accident Insurance http://www.insurance-forums.net/forum/supplemental-accident-insurance-thread16255.html Wed, 18 Nov 2009 00:53:44 GMT Someone please explain how supplemental accident... Someone please explain how supplemental accident insurance works. Companies like UHC and Humana offer them as an optional benefit. But, their brochures are lacking. And what do they consider "an accident"??:1biggrin: ]]> Individual Health Insurance Forum Jewels1969 http://www.insurance-forums.net/forum/supplemental-accident-insurance-thread16255.html Possible to Have RX Coverage Without Major Medical Coverage? http://www.insurance-forums.net/forum/possible-have-rx-coverage-without-major-medical-coverage-thread16252.html Tue, 17 Nov 2009 23:50:41 GMT Ok so here's the question for you health experts. Is it possible for someone to purchase a stand alone prescription coverage? And, No, I do not mean a Part D. I mean Major Medical Prescription coverage without the Major Medical.

I have a client that has a medical plan through work, but she has a 750 deductible for RX, and a 30% coinsurance after that. She only pays $35/month for Major Medical at work, (Yes, it really is Major Medical and not a discount plan - I checked) so she does not want to give it up; but she wants better prescription coverage that this plan does not provide.

Any ideas?

The client is located in NC. ]]> Individual Health Insurance Forum TristanTLC http://www.insurance-forums.net/forum/possible-have-rx-coverage-without-major-medical-coverage-thread16252.html Reputable RX Insurance Companies??? http://www.insurance-forums.net/forum/reputable-rx-insurance-companies-thread16245.html Tue, 17 Nov 2009 17:26:20 GMT Good morning! Does anyone know of any good rx... Good morning! Does anyone know of any good rx insurance companies that I might represent to my clients? Thanks for your info! ;) ]]> Individual Health Insurance Forum HAM of AK http://www.insurance-forums.net/forum/reputable-rx-insurance-companies-thread16245.html <![CDATA[Health Insurance Group Pricing Through "Association Memberships"]]> http://www.insurance-forums.net/forum/health-insurance-group-pricing-through-association-memberships-thread16242.html Tue, 17 Nov 2009 16:11:42 GMT (Newbie post, I searched posts on the health... (Newbie post, I searched posts on the health insurance board here and couldn't find information about the association part of these plans. Forgive me if it's been answered before)

I am from the life and annuity side of the business but wanted to write some individual health (good timing- I know) so I looked for some BGA's for health insurance. I ran into people from US Health & Health Markets and wonder why they have the client join some association that gives "group" pricing to the individual market. The reps told me how these associations are non-profits and endorse the carrier.

With the association membership, all I can see are some basic discounts, legal plans, roadside assistance and an injury rider 5K lump sum that will help if you have a high deductible for $20-40 extra a month. Also in the policy there is a separate $40 a month option that gets you a critical illness rider that can help pay for that high deductible.

The association membership doesnt pay a commission to the agent and the membership is a mandatory part of the policy.

The health product for US Health looks competitive-yet not any cheaper than the other players despite the "group" association pricing. (I didn't dig that deep into Health Markets product)

But it looks like I can go with Blue X, United, Aetna and the usual suspects here in FL. Then if you add a small critical illness and accident injury policy (gap plan?) for less that the combined 60-80 a month membership and rider costs of those groups and get paid an additional commission also? Maybe throw a prepaid legal plan for 15 a month and a AAA membership?

Also it doesn't seem like the association "group" pricing is cheaper than the usual individual plans available

Again I'm new to health insurance but have been in life and annuity for years. I don't want to disparage these companies just understand how they work vs the usual carriers and whether I need to add them to my portfolio or just know the competition. ]]> Individual Health Insurance Forum JackJaw http://www.insurance-forums.net/forum/health-insurance-group-pricing-through-association-memberships-thread16242.html PriceDoc http://www.insurance-forums.net/forum/pricedoc-thread16226.html Mon, 16 Nov 2009 21:49:34 GMT One of my association members gets the credit for... One of my association members gets the credit for finding this - it's the industry's answer to PriceLine.

PriceDoc - Better Price + Better Healthcare. ]]> Individual Health Insurance Forum healthagent http://www.insurance-forums.net/forum/pricedoc-thread16226.html Avalon Issues....(sigh) http://www.insurance-forums.net/forum/avalon-issues-sigh-thread16222.html Mon, 16 Nov 2009 16:43:01 GMT I have been selling Avalon in Florida and have... I have been selling Avalon in Florida and have come accross some issues with this carrier.

One of my patients has seen a doctor for mild short term depression. Avalon is questioning the Dr's bill and is asking the client to fill out a pre-existing questioner.

According to my client, the Dr. Prescribed some Testosterone and Cylexa. The client claims to have taken the Cylexa but not the Testosterone. Now Avalon is questioning whether or not this client had a pre-existing condition of depression.

Is this a common practice with carriers?

What should the client do?

Your constructive input is greatly appreciated... ]]> Individual Health Insurance Forum TonyC http://www.insurance-forums.net/forum/avalon-issues-sigh-thread16222.html <![CDATA[Do I Need E&O Insurance to Sell Individual Health Policies?]]> http://www.insurance-forums.net/forum/do-i-need-e-o-insurance-sell-individual-health-policies-thread16212.html Mon, 16 Nov 2009 00:55:53 GMT Hi,

I'm considering to go on my own and sell individual health insurance policies. I'm currently appointed with most carriers but thru a broker I've been working for several years now.
  1. Do I have to get new appointments with the carriers in order to sell directly as an agent (not agency) or it's only a matter of changing commission assignments with the insurers?
  2. Do I need E&O insurance in order to get direct appointments with the insurers?
  3. Do health insurance companies require to have an office? I'd prefer to sell over the phone from home.
Thank you all in advance for your help. ]]> Individual Health Insurance Forum Pancur http://www.insurance-forums.net/forum/do-i-need-e-o-insurance-sell-individual-health-policies-thread16212.html CoventryOne 26% Premium Increase for 2010 http://www.insurance-forums.net/forum/coventryone-26-premium-increase-2010-a-thread16207.html Sun, 15 Nov 2009 17:44:56 GMT I don't know about company wide but my rates here in NC are going up 26% for next year. I have no choice but to leave one of my children on there due to a blood condition. The rest of us will be bugging out. Goodbye Wellpath.

That number seems high enough to justify thinking that they are going out of business? Or are all the health insurance companies going to gouge people before the government puts them out of business? ]]> Individual Health Insurance Forum Bitnis http://www.insurance-forums.net/forum/coventryone-26-premium-increase-2010-a-thread16207.html Risky Actions Leading to Agent Lawsuits http://www.insurance-forums.net/forum/risky-actions-leading-agent-lawsuits-thread16196.html Sat, 14 Nov 2009 22:19:26 GMT Just curious to hear what kinds of lawsuits... Just curious to hear what kinds of lawsuits everyone knows which have been brought against agents, and specific actions one should beware of. I would like to include honest mistakes that inexperienced agents might make, such as submitting an app with incomplete information that would have an impact on the outcome of the app either being rejected.or approved.
Before anyone jumps on me, let me just say one of dangers I'm finding,, is once you have submitted the app electronically and you realize you have omitted information that might be material int the app's approval, not sure how to go back and modify the app, specially once emailed to the client.
From my simplistic point of view, should anything like this be uncovered by underwriting, shouldn't it just then be part of the app, after all that is a cross-check mechanism to make sure all information has been revealed. I have heard that certain companies' underwriters are on a mission to find the "cheaters", and tag future apps with skeptical eyes. I realize if the agent does this on a routine basis he deserves what he gets, but if on occasion something like this occurs, what might be the consequences?
Also, what is the best way to handle someone being rejected by a carrier and seeking to place them with a different carrier.
One of the standard questions I believe every app has is if they've been ever rejected or rated up? Obviously need to answer truthfully, but it seems then, that person is forever running the risk of being rejected and having to stick with their current insurer. ]]> Individual Health Insurance Forum alphawave2k http://www.insurance-forums.net/forum/risky-actions-leading-agent-lawsuits-thread16196.html Mega/Healthmarkets Agents Selling Golden Rule??? http://www.insurance-forums.net/forum/mega-healthmarkets-agents-selling-golden-rule-thread16177.html Fri, 13 Nov 2009 20:42:54 GMT Couldn't believe my ears when I heard that several UGA agents out of a Division in Texas were heading to an Airport hotel to be trained on selling the UHC Platinum Series....????

Can anyone back this up? ]]> Individual Health Insurance Forum CustomInsurancePlans http://www.insurance-forums.net/forum/mega-healthmarkets-agents-selling-golden-rule-thread16177.html Florida Help http://www.insurance-forums.net/forum/florida-help-thread16172.html Fri, 13 Nov 2009 17:39:25 GMT I have a 23 female with a kidney stone and no... I have a 23 female with a kidney stone and no insurance in zip code 32164 ....Palm Coast. Is there a state plan she could go on and how long would she have to be a resident to get it?

After she resolves her kidney stone problem which company would look good for her? ]]> Individual Health Insurance Forum Dowejonez http://www.insurance-forums.net/forum/florida-help-thread16172.html <![CDATA[Aetna Individual In TEXAS Re Wellness & Preventive]]> http://www.insurance-forums.net/forum/aetna-individual-texas-re-wellness-preventive-thread16170.html Fri, 13 Nov 2009 16:34:42 GMT Does the deductible and coinsurance apply on... Does the deductible and coinsurance apply on wellness exams, previentive, mammograms & colonoscopies ]]> Individual Health Insurance Forum headcoach http://www.insurance-forums.net/forum/aetna-individual-texas-re-wellness-preventive-thread16170.html <![CDATA[Aetna Individual In Tesas Preventive & Wellnes]]> http://www.insurance-forums.net/forum/aetna-individual-tesas-preventive-wellnes-thread16168.html Fri, 13 Nov 2009 16:30:50 GMT Does the deductible and coinsurance apply on... Does the deductible and coinsurance apply on wellness exams, colonoscopy & mammograms? ]]> Individual Health Insurance Forum headcoach http://www.insurance-forums.net/forum/aetna-individual-tesas-preventive-wellnes-thread16168.html How Do You Alter a PDF File? http://www.insurance-forums.net/forum/how-do-you-alter-pdf-file-thread16161.html Fri, 13 Nov 2009 15:02:15 GMT Since this is insurance-related, I thought I... Since this is insurance-related, I thought I would post in this section.

I have a PDF file furnished by one of the major companies I work with. It is a beautiful colorful benefits summary of their HMO plans.

Unfortunately...at the bottom of the page...it states, "pleas call 1-800... for additional information." Of course...that's their direct number.

Is there a cheap program I can buy (or a free one) that allows you to edit a PDF file?

Thanks. ]]> Individual Health Insurance Forum CHUMPS FROM OXFORD http://www.insurance-forums.net/forum/how-do-you-alter-pdf-file-thread16161.html Insurance, Temporary http://www.insurance-forums.net/forum/insurance-temporary-thread16160.html Fri, 13 Nov 2009 14:59:41 GMT Is coverage available to visitors to the United... Is coverage available to visitors to the United States, coverage that they can buy for 3 months or 6 months? ]]> Individual Health Insurance Forum dandan http://www.insurance-forums.net/forum/insurance-temporary-thread16160.html Does This Exist? http://www.insurance-forums.net/forum/does-exist-thread16150.html Fri, 13 Nov 2009 01:11:47 GMT I'm a life agent. I've never sold individual health insurance and have always tried to avoid it.

I have a lot of small business owner clients. I've been asked I don't know how many times about health insurance and I've always steered away from it. I've done this because I've lived with the idea that health insurance can be so frustrating, esp. to clients that I don't want my name anywhere near it.

I'm wondering if there is a BGA for individual health insurance, and possible even small groups, or if it's all done direct. Further I need someone who deals in the states of NY and VT, which looks like it might be tough.

I understand health insurance from a definition point of view and explaining what coverage is, but I'm clueless when it comes to actually selling a policy. In fact, if there is someone on these boards who specialized in health insurance who is around the Central New York area or even the capital region who'd be interested in having a conversation and might lead down to referred leads to them make yourself known. ]]> Individual Health Insurance Forum BNTRS http://www.insurance-forums.net/forum/does-exist-thread16150.html UniCare http://www.insurance-forums.net/forum/unicare-thread16121.html Wed, 11 Nov 2009 18:56:15 GMT Attention Texas Health Agents: With the recent... Attention Texas Health Agents:

With the recent announcement by UniCare that they will be ceasing operations in the Individual Health market in Texas, many of you are looking for a replacement carrier for your current UniCare customers.

Health Choice One Can Help!!!

With over 20 Health Carriers to choose from and our competitive intelligence reports that rank each carrier from least to most expensive in all of the top markets, you’ll be able to assist each of your valued customers in finding the perfect fit at the lowest possible price.

Please email Scott today at scott@healthchoiceone.com for more information or to get immediate assistance. ]]> Individual Health Insurance Forum ScottHCO http://www.insurance-forums.net/forum/unicare-thread16121.html <![CDATA[How's This for an Opener]]> http://www.insurance-forums.net/forum/hows-opener-thread16119.html Wed, 11 Nov 2009 18:04:58 GMT How's it goin all? New to the board as well as the industry. I've been lurking for a while to try to get new ideas and approaches for cold calling. I've done a little here and there but now I'm ready to devote large chucks of time towards it, as I've seen recommended here several times. By taking into account all I've read, I've decided I want something quick that would have a fairly good probability of getting an opinionated response, something that could get a conversation started. I was thinking something like, "Hi, this is X from X. Can I ask you a question, what is one thing you would change about your current health plan or what don't you like about your current heath care situation, something like that. This could be something that's been covered, but I've read quite a bit and done searches on these forums and haven't come across it. What do ya think? ]]> Individual Health Insurance Forum MO LovesCompany http://www.insurance-forums.net/forum/hows-opener-thread16119.html Health Ins in Oklahoma? http://www.insurance-forums.net/forum/health-ins-oklahoma-thread16105.html Wed, 11 Nov 2009 02:30:52 GMT What carrier is competitivie in Ok? Is Assurant? What carrier is competitivie in Ok? Is Assurant? ]]> Individual Health Insurance Forum redzalez http://www.insurance-forums.net/forum/health-ins-oklahoma-thread16105.html