THE MOST DRAMATIC WAYS HEALTHCARE CLIENTS SLIP UP AND HOW TO STOP!

Price Sensitivity

Price sensitive prospects often want quotes for health care coverage based on the lowest price rather than the best value. Unfortunately, prospects don’t realize the consequence of having the lowest priced plan means less coverage.

Too Busy for Business

Additionally, some very busy clients won’t commit the time to a detailed conversation so that they fully understand how the health care plan works. The worst time to fully understand your health coverage plan is when you are in dire need of a service. Take for example car insurance. I was driving a rental car from Atlanta to Orlando and the tire blow out 84 miles from my destination. When I called the rental car emergency roadside service, I found out that the rental contract did not include roadside service. 

Panic time, right? Well, before I panicked, I remembered my USAA auto insurance coverage includes emergency road side service and also included coverage for tire replacement. Can you imagine the consequences of not knowing about these benefits? Or worse yet find out that you don’t have the coverage but could have had them if you went with the a slightly more expensive plan.  The same type of situation can occur with your health insurance.

Concierge Insurance Agent at Your Service

I overcome these challenges in two ways. I make it clear to my clients the value of their healthcare plan and the value of having me as their concierge health insurance agent. Here is how:

They learn how their customized healthcare plan works by participating in a screen share presentation (webinar) where they are introduced to the health care plan and its benefits. They go through a variety of scenarios that demonstrates how the various aspect of their plan works.

During the presentation we cover:

a.      Sickness and Illness

b.      Critical Illness and Catastrophic

c.      Term Life

d.      Accident Protection

e.      Doctors and hospitals in the PPO Network

I guide my prospects through imagining the convenience and benefits of having a concierge health insurance agent. Who has time to figure out what doctor is in the PPO network? What small business owner has the luxury of waiting on hold for an hour with customer service to resolve a billing issue? You need to have a prescription refilled but you can’t figure out whether to go to your doctor or use the tele-medicine benefit.  It’s 3 a.m. there has been an accident, and you need clarification on your plan for a possible upgrade, but you can’t reach customer service. Who do you reach out to in any of these situations your concierge health insurance agent Lisa Ann Landry.

Its Open Enrollment

#Openenrollment started November 1st and ends December 15 in most states. Act now and call 602-793-9071 so that I can help you find a plan that works best for your family and your budget. Don’t forget that the lowest prices are not always the best deal and to take full advantage of your plan requires understanding it. Give your insurance agent the necessary time to explain the plan to you. You will be delight you did.