Anyone who enters into the Insurance sales field should start off looking at this as a business. Anytime you work for someone and you are not receiving a guaranteed wage (such as working on a commission) you are in business for yourself. If you sell no policies, you get no commission which means no paycheck.
This is why we recommend, find a trusted brokerage that can “shop around” for you. It doesn’t cost you any more than “going direct,” and a good broker can work on your behalf for years to come.
You should be cautious however, as there are many websites that look like pre set appointments final expense leads Brokerages, but are really nothing more than “lead collectors.” They get your personal information and then they sell it to numerous agents who descend on you like hungry buzzards.
If you can co-opt the physicians and hospitals to cut out the insurance companies, who wins? Well, not the insurance companies, but frankly if the guys who represent 52% of healthcare costs like this bill, doesn’t that make you a bit suspicious? Are you sure the insurance companies are the real enemy on your enemies list?
If that were not confusing enough, you can add medicare supplements to your new knowledge base, and you have a whole new set of Parts (or at least plans). Medigap Plan A, Plan B, Plan C, all the way through Plan L. Now, in 2010, that whole structure is changing yet again.
This may seem like a bad deal, but unlike a savings account, you can spend your $1,000 all at once or spread it out. As soon as you make the first premium payment, your coverage is in force. So, you do not have to save up before you go to the dentist. This can be a great benefit if you get a toothache in February. You can get it fixed immediately instead of waiting for two or three months for the funds to accumulate.
If you’re lost somewhere between the Parts and the Plans, make it a point to call an expert health insurance agent. They will be able to sort the whole mess out for you in no time flat.