TodayInsurance.net

In America today, most of us depend on health insurance to cover the majority of our fees for health care from our specified providers. We get insurance coverage through our employers and on an individual basis.

The questions are:

How good is my coverage?

Why is my doctor not on my plan?

Why are there limits on the types of services I can receive?

Unfortunately, insurance carriers limit their provider rosters and therefore not all medical providers are “in network” on all insurance plans. It appears that the insurance carriers develop an exclusive “club” letting some join and others not. Additionally, the carrier s rosters are not always up to date and therefore perpetrate an illusion of their insurance provider participation as “full”, when in fact, some providers have retire, moved or even expired!

Our experience, that even when notified of incorrect information in Provider Directories that are posted on the internet, insuranc (more...)

Are your service expectations high enough? The answer is probably “no”. This isn t a conscious decision on your part but more likely a result of not knowing what those expectations should be.

Oftentimes, I visit with a prospective insured and inquire how things are going from a service standpoint. Very rarely do I get something other than, “everything is going great, they give me excellent service. Whenever I have a problem they respond in a timely manner. They call me a few times a year to make sure everything is going well and then I meet with them a couple of weeks before the renewal to see what my price is going to be for the upcoming year. I really just want to make sure I m not being overcharged. Can you just give me a price?”

Sound familiar? Take the relationship part out of the equation and really think about what service(s) you are truly receiving. Is it reactive or is it proactive service? If you are calling them to resolve service items then I cer (more...)