Posted: Tue Mar 28, 2006 10:50 am Post subject: Introduce and Share your insurance Experience
Hi,
Have you shared your insurance experiences with other community members? If not here this is the right place to introduce and share your insurance experience with other community members.
I am ...
How many insurance covers do you have?
The problems you faced while getting one?
Other issues you experienced with the insurance covers.
Share it with other community members and in the process you may help many in similar need.
Thanks,
Lakemen
Last edited by lakemen on Thu Jan 18, 2007 9:47 am
Posted: Wed Aug 23, 2006 11:20 am Post subject: Hi, My name is Debra O'Neal
I am a broker with AmeriPlan. My husband and I signed up because when I recently changed jobs, my former insurer denied us health benefits because my husband is diabetic and I am a smoker. Our plan would have increased from $150 to over $500 per month. While AmeriPlan is not insurance, they offer discounts on dental and medical benefits for less than $60 per month. These programs include chiropractic, orthodontics, prescription and vision care discounts.
AmeriPlan is a discount plan, and it only does offer discounts...maybe similar to the negotiated rates of PPO plan...that is if it has a good network. I don't know. I also think that in the market of discount plans, there are better ones than Ameriplan - but maybe not as cheap.
The things is, THEY were not raising your insurance. You probably went on COBRA which means you have to pay the entire insurance bill - not just the contribution the employer asked you to make.
Discount plans have a place, but it is very important that you don't market them as better than insurance. If somebody had Ameriplan, and ended up with a $30,000 hospital bill, I doubt it would be much help.
This is why many of the better discount plans require that only licensed agents sell them - so people really understand that they are not replacing a health insurance policy. And yeah - insurance costs a lot. However for true protection, I would consider a very high deductible health insurance policy rather than a discount program. Even that would cost a lot more than the figure you're quoting though.
Posted: Tue Oct 31, 2006 6:08 am Post subject: Welcome back !
Hi Marilyn,
Good to see you back with the community. Its understandable that you are quite busy, but it would be nice if you could visit more often and share your valuable knowledge with the community friends and help people with insurance related problems.
Thanks for the welcome back. I mean to stop by but forget.
I didn't mean to come down hard on the poster. I have to admit that I have sold a discount plan or two myself, but I did it reluctantly, and it was actually a pretty expensive plan that included some insurance benefits in it.
I am also aware that the price of health insurance puts it out of reach of many families, and I just wish I knew what the answer was. Hopefully some egghead in Austin or Washington can come up with a solution.
Now if you're talking about individual dental plans...sometimes a discount plan is an option to consider. When you look at the waiting periods, limits, copays, and deductibles, plus higher premiums.... a name brand discount plan (basically like the network and insurance company has without the insurance), can save money. _________________ www.247QuoteUS.com - Free Insurance Quotes
Posted: Tue Oct 31, 2006 7:28 am Post subject: Thanks !!
Hi Marilynn,
Thanks for the useful information. You also have a nice blog.
I learnt quite a few things on insurance from your blog. Thanks !
Rebecca _________________ Register Now to have your Insurance queries solved.
Posted: Sat Nov 25, 2006 5:31 am Post subject: Hello
Hello, I am an insurance agent, I have a license in the states of PA and NJ. Currently I have my life accident and health License and my P&C license. I am currently studying for my 6 and 63 again, yes I let it lapse and I have to take it over again. I have been in this business for about 5 years and enjoy it very much!
Currently I work with many companies, I am always looking to help my clients out and do whatever I can for them. I found this website and thought I may be able to learn a thing or two or possibly help some people out with any questions they may have. Hope everyone had a great holiday.
Posted: Sat Nov 25, 2006 5:41 am Post subject: Welcome!
Hi nique1221,
Welcome to our community. We do expect you to actively participate and enhance the valuable discussions with your expertise. We want you to introduce your beneficial services through a new thread. At the same time we expect you to keep in mind the norms of this forum.
I found this website and thought I may be able to learn a thing or two or possibly help some people out with any questions they may have. Hope everyone had a great holiday.
Hi Nique,
Welcome aboard. Just out of curiosity, could you tell us where exactly you find our site from. Lets know the places where our site is being talked or mentioned about. As for my holiday, yeah I enjoyed it a lot. What about you buddy ?
Our community will certainly benefit from your knowledge in more days to come.
Love,
SashaT
Posted: Sat Nov 25, 2006 8:37 pm Post subject: Nique1221
I actually found this site on a search engine. I was just broseing to see what was out there. I had a great holiday as well. Please do not hesitate to ask me anything.
I just joined today, i passed my Property & Casualty exams for wisconsin yesterday, I was pretty happy about that, now this week I am doing the classes for Life and Accident/health, i am a little more worried about those two
I am a student in a tech school , i am going to graduate in May with an associates degree in Finance: Business Administration , my ideal situation would be to own my own place doing investing and insurance, but that may be down the road a ways, not sure how to get in to it to start,
I took the exams so i could do a little intern spot at State Farm Insurance, hopefully that will give me a little insight on how the business works and how to get in full time after i graduate
thats about it for me, just hoping to make a living in something that interests me, after changing careers at 32 from manufacturing to finance
Its understandable that you are quite busy, but it would be nice if you could visit more often and share your valuable knowledge with the community friends and help people with insurance related problems.
