Register here to view the forum without ads

Insurance Agent Forum
Join our Facebook Fan Page  Join our LinkedIn Group of Insurance Agents  Follow Insurance Agents Forum on Twitter
Currently Online: 202
Members: 13,185
Discussions: 15,201
Messages: 199,347
Views: 7,986,970

Go Back   Insurance Agent Forum > Insurance Agents and Brokers Forum > Individual Health Insurance Forum

Health Choice One

Scroll down for a discussion on Health INS. for My Family and Myself within the Individual Health Insurance Forum.

Can I get any advice on obtaining health insurance for myself and my family? We are coming off of a group plan in the next ...


Reply to Health INS. for My Family and Myself
Old 01-04-2009, 06:18 PM   #1
Super Genius
 
Vitamin C on Health INS. for My Family and Myself - Insurance Agent Forum
 
Join Date: Dec 2008
Posts:51
State: Vitamin C is an Insurance Agent from Missouri
Health INS. for My Family and Myself             Go to Top


Can I get any advice on obtaining health insurance for myself and my family? We are coming off of a group plan in the next 60 days.

I'm only working the senior market as a newer agent so advice for me is appreciated. Everybody in my family is healthy with no wierd stuff going on medically or pending issues either.

I applied through an agent at BCBS about 2 months ago and we were accepted. We passed to ride out this group plan for a while longer as it has a $0 deductible.

Is the commission even worth me getting appointed with BCBS or whoever is recommended. I don't even know what a commission would be for individual health insurance. Our premium for all four of us was going to be about $700 with a $1K deductible and max family deductible of $4K -no break there.

We're with GHP(group)now and they passed on my wife(individual application) because of a statement she made to them on the phone regarding seeing a doc for migraines. I expect she said too much.

Who would be nice enough to enlighten me?
Choose Insurance Type

Enter Zip Code
Vitamin C is offline   Reply With Quote to Health INS. for My Family and Myself

Register Now for FREE!
Are you an Insurance Agent Forum member yet? To sign up for your FREE INSTANT account, fill out the form below!

Username:     Password:   Confirm Password:     E-Mail:   Confirm E-Mail:

    Question of the day:   Summer is hot and winter is Agree to forum rules 


Old 01-04-2009, 06:21 PM   #2
Guru
 
healthagent on Health INS. for My Family and Myself - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:9,799
State: healthagent is an Insurance Agent from Maryland
Send a message via Yahoo to healthagent
Re: Health INS. for My Family and Myself             Go to Top

The details regarding the migraine will be needed.
healthagent is online now   Reply With Quote to Health INS. for My Family and Myself
Old 01-04-2009, 07:41 PM   #3
Super Genius
 
Vitamin C on Health INS. for My Family and Myself - Insurance Agent Forum
 
Join Date: Dec 2008
Posts:51
State: Vitamin C is an Insurance Agent from Missouri
Re: Health INS. for My Family and Myself             Go to Top

Can't PM yet and don't want to put the entire story on the web.

Basically, history of migraines a couple of times per year that never required hospitalization. She's just been talking to doctors about taking supplements etc.
Vitamin C is offline   Reply With Quote to Health INS. for My Family and Myself
Old 01-04-2009, 07:55 PM   #4
Guru
 
healthagent on Health INS. for My Family and Myself - Insurance Agent Forum
 
Join Date: Sep 2006
Posts:9,799
State: healthagent is an Insurance Agent from Maryland
Send a message via Yahoo to healthagent
Re: Health INS. for My Family and Myself             Go to Top

"Talking to doctors" could pose an issue. If she's been diagnosed with migraines, recommended treatment and is following a prescribed course of action she's fine.

A lot will be determined regarding the diagnoses and treatment. Whatever happens do not accept a rider on the migraines.
------------------------------------
Health Insurance Agents: Training, Support, Discounts, E&O for $440 www.ihiaa.com

Read our blog: www.IHIAA.blogspot.com
healthagent is online now   Reply With Quote to Health INS. for My Family and Myself
Old 01-04-2009, 09:31 PM   #5
Guru
 
Join Date: Aug 2007
Posts:2,097
Re: Health INS. for My Family and Myself             Go to Top

OK I give up trying to figure out the flag - what state are you in?
------------------------------------
Follow me on Twitter - http://twitter.com/josephstevens
TXINSURANCE is offline   Reply With Quote to Health INS. for My Family and Myself
Old 01-04-2009, 09:40 PM   #6
Super Genius
 
Join Date: Jul 2008
Posts:47
State: SCLady is an Insurance Agent from South Carolina
Re: Health INS. for My Family and Myself             Go to Top

Originally Posted by TXINSURANCE View Post
OK I give up trying to figure out the flag - what state are you in?
If you hover over the flag it says Missouri.
SCLady is offline   Reply With Quote to Health INS. for My Family and Myself
Old 01-04-2009, 09:55 PM   #7
Guru
 
Join Date: Aug 2007
Posts:2,097
Re: Health INS. for My Family and Myself             Go to Top

I don't think Aetna riders in MO (or any state for that matter).

Just another option to investigate.
TXINSURANCE is offline   Reply With Quote to Health INS. for My Family and Myself
Old 01-04-2009, 11:21 PM   #8
Super Genius
 
Vitamin C on Health INS. for My Family and Myself - Insurance Agent Forum
 
Join Date: Dec 2008
Posts:51
State: Vitamin C is an Insurance Agent from Missouri
Re: Health INS. for My Family and Myself             Go to Top

Missouri it is.

My wife has spoken to her OB who has thought this was related to her "cycles" and has had her take both hormones to replace the diminished hormones at that time and iron supplements as well.

They would still come sometimes. So, she went to a doc that "specializes" in this stuff. He has his own concoction that she takes at the onset. It's not expensive at all. We're just talking once or twice a year.

*************Slightly different note here. I used to get migraines about 2-3 times per year. I never saw a doc about it. Eventually, my friend who is a RN told me I could be in a state of dehydration and asked about my water consumption which was very, very little. I started drinking water more regularly and I haven't had one in about 4 years or so. Being hydrated well also helps me handle my whiskey better too.

Keep in mind, BCBS approved us knowing the same information. They only upcharged me slightly for some medication I take.

What are some companies you recommend for individual health? I was with BCBS until Anthem took over then my coverages all changed which is why I jumped on a group plan.

What percentage commission is usually paid on an individual/family policy?
Vitamin C is offline   Reply With Quote to Health INS. for My Family and Myself
Old 01-05-2009, 01:36 AM   #9
Expert
 
Join Date: Apr 2008
Posts:179
Re: Health INS. for My Family and Myself             Go to Top

To find outh the best carriers you'll have to to some research and see whats available in MO. All carriers aren't strong in every state.

The standard commission is usually around 20%.

Choose Insurance Type Enter Zip Code


------------------------------------
Professional Insurance Web Design
Quality & Custom Designed Insurance Websites starting at $349.95. Get your business on the web today!
tryan326 is offline   Reply With Quote to Health INS. for My Family and Myself
Reply to Health INS. for My Family and Myself

  Insurance Forum > Insurance Agent Forum > Insurance Agents and Brokers Forum > Individual Health Insurance Forum



Thread Tools
Display Modes

Similar Threads with Health INS. for My Family and Myself
Thread Thread Starter Forum Replies Last Post
How can I get health insurance for myself and family and pay for it as business...... infoman Employee Benefits Forum 9 08-21-2007 09:48 PM
Question for CA health agents on family deducts al3 Individual Health Insurance Forum 15 08-20-2007 12:17 AM
Free Family Health Lead for Watertown, NY delfinparis Individual Health Insurance Forum 2 06-01-2007 01:15 PM
Free Family Health Lead for Fremont, NE delfinparis Individual Health Insurance Forum 1 05-01-2007 03:15 PM
family tokkooll Employee Benefits Forum 9 04-25-2007 06:17 PM



All times are GMT -5. The time now is 09:51 AM.


Powered by vBulletin® Version 3.6.12 Secure
Copyright ©2000 - 2009, Jelsoft Enterprises Ltd.
SEO by vBSEO 3.3.0