I have many customers that review their homeowners insurance and auto insurance every 6-months and change carriers to save $50. One of the areas people seem to overlook or hesitate to review or change is their health insurance coverage. This could be because there is a underwriting process that reviews the medical history of the individuals requesting coverage. People who have been with their current health insurance company for a few years have the largest chance for savings. Before you make any changes to your health insurance plan make sure you work with your agent/broker to have them help you review your current coverage and situation.

 

There are some people who may need to stay with their current health insurance is they are currently being treated or have had illnesses that would prevent them from changing insurance companies. These conditions would cause the client to be considered un-insurable, such as heart attack and cancer for example. If this was the case and you have seen rate increases on the entire family, you may be able to move some of the family members to a new policy to help save money. Working with your agent/broker they will be able to advise you on the best approach.

To have your agent review your health insurance policy does require you to share some personal information on your medical history. It is important to disclose accurately to allow the agent to properly advise you and even do some pre-screening with the health insurance companies to help provide an accurate health insurance quote to you. The agent may suggest some options that may reduce your monthly premiums.

Customer and agent relationship is important interaction to ensure you understand the plans benefits. The agent is there to help you through the process and works closely and personally with you to ensure the plans meet your expectations and budget. An agent should begin to build your trust as he deals with you personally. An agent will be accessible and will know your particular situation when you call. The agent values your business and will be there to help you whenever you need it.

I would suggest you review your current health insurance coverage once a year to ensure your rates are still competitive. The agent can help prepare the detailed quotes for you and review/compare the plans to your current coverage. We will suggest ways to save on your health insurance by changing the deductible and adding some supplemental coverages.

RF Insurance Masters can help you perform the review of your current coverage. The process is simple, just submit the Free Quote form. An agent will work with you on a personalized quote that will help you evaluate how much you can save on your monthly premium. Contact us today to see how much you can be saving.