About To Cancel? Call Your Agent!

1. Not going to be able to make your monthly health insurance payment -- CALL YOUR AGENT
2. Got an unexpected bill from your doctors office -- CALL YOUR AGENT
3. Told that the specialist, doctor, or clinic does not take your insurance -- CALL YOUR AGENT
4. Received a notice from the insurance company that your rate is increasing -- CALL YOUR AGENT
5. You were asked for more than your regular copay -- CALL YOUR AGENT

Ok, so your probably thinking I want you to call me so I can sell you more insurance. NO, I want to instead fix your problem. Here is how the problems above can be fixed.

1. You can push your payment back if you do not have the money. It usually takes a simple phone call BUT YOU MUST GIVE 7 BUSINESS DAYS NOTICE to push you payment back. 
2. The billing department of a doctors office MESSES up, quite often. Human error many times is why a person gets a bill that they are not supposed to receive. Your agent can determine how to get the doctors office to fix this problem.  
3. You should NEVER go to a doctor, specialist, or clinic without calling the toll free number on the back of your insurance card to make sure that they are IN NETWORK. Call your agent if you have problems with this.
4. An Independent AGENT sells insurance for more than one carrier and can usually find a lower price if you receive notice your payment has increased. 
5. Sometimes the receptionist at a doctors office is so busy she has not looked at your insurance the right way. Calling your agent to find out why she is asking for more than your copay. This will likely fix the whole problem.

When you hit a bump in the road with your insurance it is my responsibility to help you through it. I am the one that sold it to you. I want to make sure you get the best from it.

Critical Illness

There is supplemental insurance available that gives you a lump sum payment for:

• Heart Attack
• Stroke
• Cancer
• Organ Transplant

It is called Critical Illness insurance. It is technically life insurance and also pays out upon death. It can be purchased in quantities of 10,000. For example if you purchase a high deductible major medical plan you can purchase 20,000 or 30,000 of critical illness and be covered completely for your deductible (and have extra to cover bills during recovery) should any critical illness hit. 

Ask your independent agent about this option when you look for health insurance. A physical is RARELY requested and the premium(monthly payment) is usually quite low.