Buying Nevada Health Insurance...

Submitted by admin on Fri, 05/29/2009 - 11:52
The Process Continued...

someone who knows what they are doing? You can go to the governments site and enter your information (heaven knows they need more personal information about us anyway) and it gets more and more confusing? You input your zip code, lets use Las Vegas Zip Code 89123, you get a tab at top asking "not sure how to decide? Read 5 important tips for Picking Plans." Then it lists (as of this writing) 32 different plans from 11 different companies. The only thing available at this time is a link to the insurance carriers web site. Hint: To expidite the process you could have gone directly to Blue Cross, United Health Care or any of the other companies listed. There are many reasons why a consumer should NOT contact a Captive Agent. Please See the list below.

Captive Agent Pros:
1) They know their companies product. (thats all they are allowed to present)
2) They feel/think the product they sell is the best on the market (because they cant present anything else.

Captive Agent Cons:
1) Other Agents typically know there products as well if not better than they do?
2) Cant present other companies products (which may be better priced or have better benefits for you, the customer).
3) Works for the company, not the consumer. Has the companies best interest at heart not yours.
4) Typically no customer service after the sale, you are routed to a phone bank and someone else will help you.

Whats the other alternative? Search for Health Insurance on the Internet!

Thats a great idea, you google "health insurance" 645,000,000 results?

OK lets narrow it down, "Nevada Health Insurance" 14,700,000 results!

OK lets narrow it down even further; "Las Vegas Health Insurance;" 10,700,000 results! Still allot of results, not much difference between 10 million and 14 million, lets try this web page, their address is www.las-vegas-health-insurance-expert.com they must know what they are doing!

At Las Vegas Health Insurance Expert we do know what we are talking about, we specialize in only health insurance. Not auto, boat, motorcycle, or house insurance, only health insurance. There are home grown companies in Nevada that are different than Blue Cross/Blue Shield, or Assurant, Sierra Health was started in Nevada and still has some of the best plans available that are less expensive and offer similar or sometimes even better benefits for less money? Lets see what some of those companies have to offer?

There are many companies out there that when you enter your personal information into their web-pages in the hopes of getting an instant quote without having to talk with a salesperson. In my opinion that is what people hope to do, its what I hope to do when I am doing Internet research, this however is not what happens.

First you get the "Thank You our agents will contact you with a competitive quote soon!" (You didnt even get the instant quote you were looking for!!!)

Second and almost immediately (unless its 2:00AM) the phone starts ringing??? Don't worry it will stop ringing after about a week, maybe two!

You typically get phone calls from at a minimum 5 agents all trying to get you to buy this or that. After a day of feeling like a piñata you basically stop answering the phone for a week or two.


At Las Vegas Health Insurance Expert we give the consumer access to our quote system, you can run as many quotes as you want, you will get the results instantly, no waiting for an expert to get back to you, no being harrased by several people from call centers that give you dooms-day speaches, you get an instant quote and you now have at least an idea of how much health insurance would cost per month.

 

If however you try the other way and several agents get through some of those agents will be captive agents and the others could be independent agents? We have already gone over Captive Agents, also some of the companies that the captive agent are presenting for aren't even Major Medical Insurance Companies? What do you mean are NOT Major Medical Insurance Companies? There are companies that sell gauranteed issue policies that reimburse you for things that happen to you, they dont reimburse you the amount you spent, they reimburse you a set amount. Guaranteed Issue policies typically have an application fee too! If you qualify for Major Medical Insurance and you can afford it GET IT!

 

A Good Independent Health Broker listens to what you are looking for then prescribes the policy that best suites your needs. If you are looking for a Major Medical policy, an HSA, a Co-Pay plan or even a Dental plan an independent broker from the Las Vegas Health Insurance Expert is the way to go.

 

If You Have Any Questions Or Comments Please Call or Email Us At: 1-888-268-4421 or Email: info@las-vegas-health-insurance-expert.com

 

Click Here For An Instant Quote

 

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