How often do you see this; “Get A Health Insurance Quote” when you’re searching for health insurance online?

I am pretty sure that it’s most of the time. It is a step in the process to begin to provide information for you when inquiring about health insurance.

My company, VitalOne Health does it. We ask you to submit basic information in  order to begin the process. Now, it is true that all anyone can really provide with just your basic information is an estimate or a range in premiums because only a more in-depth qualification can get you an accurate personalized quote. This is where things are different with most other websites that ask you to submit information in order to generate a health insurance quote.

Most websites are not insurance agencies, they’re simply large prospect generators that sell your information to thousands of insurance agents around the country. This is the reason why you get so many telephone calls from so many people all of the time. Many times, you do not know who is calling you, from what company, representing what products, and even whether they are licensed agents!

It is not fun and most importantly it can be dangerous. My company, VitalOne Health is an agency with licensed insurance agents promoting many products. We only use the information you provide us to service you, in attaining the information and assistance you need. We do not share this information with anyone outside our agency and value the trust you place on us to do our job right.

Outside our company, VitalOne Health, there are only a few others that do the same. All others are basically just large marketing companies selling your information to whoever wants it! There are no requirements other than payment.

Our health insurance agents working with you are all under supervision, managed, and kept in compliance.

This is more than food for thought, it is our competitive advantage, to bring you quality service, represent you not the carrier, and keep your information private and secure.

Do you expect coverage whether you are healthy or sick?

Do you expect to have continuous coverage and slight incremental rate increases, not a large increment only if you get sick?

Do you care about co-pays or are you smart enough to know that co-pays don’t make the plan?

Do you want your claims paid quickly and good customer service to assist you in the process?

Do you want to be rewarded for being careful and taking care of your health?

What else?

What are you looking for?

Hispanics represent the largest minority group in our country. Yet, this number is still relatively small as a percentage of our population. Under the numbers presented by our census department, it is approximately 17%. Yet, the number of Hispanics that are uninsured is above 33%. This is a very large number any way you look at it.

Another way is to say that out of the roughly 47 million uninsured Americans, more than 15 million are Hispanics, not counting many illegal immigrants. Why?

The answer is a bit more complex, but be assured that a piece of the answer has to do with the fact that there are not many (if any) carriers that cater to this growing group. This is to say that it has to do with more than just branding a carrier product in Spanish, but adhering to some of the specifics that this demographic group deems important.

Our healthcare industry is now being kicked, sworn at, and made culpable to a lot of our economic ills. Yet, if you look closer maybe part of the reason costs in the aggregate are so high are due in large part to Medicare and Medicaid. These are government run operations. Need I go on!

The Hispanic uninsured market is largely untapped and there is no reason for this other than just it has seemed to have sneaked up on our mainstream society.

In the old days, licensed insurance agents would learn the basics of one carrier, and more than likely one specific plan and would then focus on promoting and selling that specific health plan.

In today’s world most licensed insurance agents still do the same, even over the internet!

This was what created our company’s opportunity!

We are a company whereby our licensed health insurance agents have access to a large portfolio of insurance carriers, and through our unique proprietary software, can match, qualify, and customize the right health insurance plan for you and your family from multiple providers and multiple options. All this is done simultaneously with the assistance from one of our licensed insurance agents.

With our system we have enabled our licensed insurance agents to be able to do a better, faster, and more efficient service to you, our customer.

We represent many carriers, many providers, and many options in order to assist you in attaining the right health insurance coverage for you and your family without having to go to every independent insurance carrier directly.

Insurance premium rates are regulated and prices are fixed by law, they cannot be changed. So do yourself a favor and try our unique service. We will provide you expert advice, multiple providers, multiple options, and more importantly, the right health insurance plan for you and your family.

You start by providing us with basic information that we use to prepare an estimated quote range from many carriers and plan designs. The next step allows you to review the basic information and gives you the opportunity to speak directly with one of our licensed health insurance agents.

This part of the process is truly unique. Our licensed health insurance agents will listen to your needs and expectations, will ask you a few questions, will qualify you, and then customize several plan options specifically for you and your family.

This will be done from the many health insurance plans and carriers that are available and will be customized through our software for you.

You can then review and compare plans, quotes, and benefits and receive a free expert consultation from our licensed health insurance agents. They will be focused on assisting you and servicing you.

Our goal is to provide you with the information you need and assistance from a qualified licensed health insurance agent that represent you, not any one carrier or plan.

Our unique process is geared towards efficient better service to each individual and family.

Yes, an individual can choose to set on a path to research and educate themselves on health insurance and the many carriers, plans, and options available. This is difficult and confusing, but an individual with effort can do it. They can do all this work themselves or just simply talk to one of our expert licensed health insurance agents.

Our free service, free advice, and free consultation is simply just that, free.

It is our job to provide you with plan comparisons from as many carriers as possible, to provide you with information and advice that is specific to you and your famlily’s needs and expectations. We will provide insight as to each carriers underwriting process, claims management, overall ratings, and premium rates.

It is not our job to sell health insurance, but instead to provide a service that is valuable and unique to each individual and family that is seeking affordable health insurance.

The cost of health insurance will not vary whether you go directly or through a licensed company such as ours, but the information you will receive will be different since we do not exclusively represent any specific carrier, just you.

Our goal is to service you and your family by providing the information you need to make better decisions.

Everyone is different when it comes to healthcare, healthcare needs, and health insurance. Each of us has a different medical history, a different financial budget, a different answer to how much medical costs risk we are willing to accept, and different expectations and preferences. The specifics to these differences matter to us and our agents, because taking the time to understand your needs and your unique situation is what truly sets us apart form every other health insurance company.

In doing so, we can effectively match the right carrier, the right plan, the right coverage, the right expectations and preferences for you and your family.

Through sheer efforts and hard work, we have built a large portfolio of carriers, plan designs, and coverages that allow our licensed insurance agents to focus on each individual’s needs and find the plan that fits their needs.

Whether you have pre-existing conditions, a long medical history, been declined for coverage, we have a plan for you.

Whether you are older, overweight, don’t exercise, or smoke, we have a plan for you.

Whether you do not have a social security number, are not a U.S. citizen, we have a plan for you.

Whether every other carrier has declined you coverage, terminated your plan, we have a plan for you.

Whether you have high blood pressure, diabetes, take medications, suffer from mental problems, we have a plan for you.

Whether it’s for you, a family member, or a friend, give us a call.

Our goal is to serve you.

We are an independent  national health insurance company that represents individuals and families that are looking to find affordable health insurance that fits their needs. Our desire  and focus to remain independent from all health insurance carriers and plans lies at the core of who we are and what we want to accomplish.

We are simply interested in each individual and family that seeks our assistance in attaining affordable health insurance coverage.

Many carriers, health insurance companies, and agents will only focus on the plans they want to promote and forget to understand each individual’s needs. They ignore, do not listen, or just don’t care about each individual’s specific conditions and expectations. They do this because many times these companies are financially married to the carriers and health plans they represent.

That is exactly, why we are different. We represent you, not the carrier nor the health plan.

Our licensed health insurance agents will work hard to find that right plan, coverage, and to meet your expectations regardless of the carrier or health insurance company. We do this because it is in our best interests to find each individual client the right affordable coverage. By doing so, our clients trust us, are loyal, and allow us to continue to service them for the long term.

Yes, let’s give those politicians, regulators, and all others than tend to believe that efficiency, cost effectiveness, and a better mouse trap are just things that silly business types came up with. Those same guys that run Medicare, Medicaid, and all those other state and federal programs that have no incentive to make the process better. Let them run it. It will then be utopia, it will be free. Healthcare will cost nothing!

Wrong, wrong, wrong. Inefficiency does cost something, and that something is very expensive. A cost we will ala bear. We may not feel like we will be paying for it, but believe me we will be paying for it.

You go through so many agents for which the old adage applies, 80/20 rule. In reality this is more like 95/5. Meaning that 5% of your agent force will drive 95% of your sales. Therefore, reaching out and identifying this special 5% is so crucial to being successful.

As a result, I need your help in assisting me in finding that top individual who knows how to find them, nurture them, recruit them, and mentor them.

This one individual is truly special, he/she is capable of building a network of agents, creating a following, and assisting the network to generate sales.

He/she is crucial, even moreso than the 5% special agents, he/she is the lifeline to the entire operation.

I know our process is unique and special, I know our products are the best. I am convinced that the way we go about in conducting our business will separate us from the competition. Yet, I need more special network agents.

Health Insurance is personal, it requires caring about what you do on a daily basis. There has to be a commitment to the process, a commitment to the outcome. You have to really care.

Therefore, agents will always be an important piece to the model. No matter how much we improve our technology, our internet, our paperless environment, we will always need the human factor.  To that extent, the really good ones are valuable.

Know any?