Beware the Golden Egg Quote!

Hello,

I would like to take a few minutes of my time to share some knowledge about shopping for Individual Insurance. Today’s economy is hitting everyone very hard in more ways than we could ever imagine. With Layoffs, business’s cutting health benefits and small groups unable to afford the high cost of providing their employees with affordable health coverage, the employees are faced with searching out health Insurance for themselves. This can be a very tedious task and may take some patience on your part.

The internet is the best place to start but be careful of the ” Golden Egg Quote”.  It is very important that once you identify your needs and when you feel that you know what kind of Health coverage your are ready to purchase, that you talk to a “Licensed” Health agent. Far too often, there are companies that have un-quailfied personnel that try to explain the details of the health plans that are being offered.

As a person buying health coverage, you must apply to your chosen Insurance company for approval. An application must be taken and medical underwriting questions answered thouroghly. If you apply to an Insurance company and are declined due to the lack of proper underwriting, it may affect your chance of ever getting individual insurance in the future. Once declined for Insurance, that information is forwarded to the Medical Information Bureau and when you apply again, that information can cause an automatic decline on any future applications.  Be patient with the process, take the call from the licensed agent and let them do their job. As with anything, let the Professional handle it for you!

Good luck and stay healthy.