These blog post are beautifully written and designed to be index by the search engines so that you may find them. The content of the blog is almost worthless in the realities of health insurance. Most of these blog writers have no experience in the health insurance field. They have not been either agents,underwriters,actuaries, services reps, sale reps, or any other position that is in the health insurance equation. These sites go on to talk about health insurance with the only intention of you clicking a link on their page so they can get paid.

What I can gather from these portals is most of them are selling your information. There is even a technique where they are using cookies to track your online behavior.

If you are in the market for health insurance you want to use a online resource that is accountable. The accountability comes from either a broker or Agents web site.  The problem that we have is we are not blog experts like these portal sites.

Obviously, I want you to choose me for your Indiana health insurance. I am willing to earn you as a customer. This means that not only will I educate you on plan design but will be here for you when a problem arises. Then add that I will be a trusted source for you. 

I really believe none of these portals can be trusted.

In the past short term policy were manily used by students and singles that were in transition from one health plan to the other.  Now it has changed a great deal. We are seeing families looking into short term policies.  A family that would cost $400 a month on an H.S.A can pick up a short term for $100 a month.  With so many dual income families losing one of those incomes these short term policies are becoming serious options.

We have seen a variety of short term plans hit the market in the last 3 years. In the past there were only emergency room type policies to choose from. Now we are seeing co pay type plans being introduced. These co pay plan might even have a rx benefit. So now a client can choose what level of short term policy they would like. 

If you are serious about taking out a short term policy then you should be looking at a company that owns their own network. The reason for this is you have to use it you want the deepest discounts available. The deepest discounts are going to come from companies like UnitedHealthcare and Anthem.  Smaller carriers can be competitive in this market but I would advise a client to take a short term policy form a national carrier.

If you do take out a short term policy remember that policy is not re newable.  This is a major different when comparing short term policy with a long term. So if you get diagnoised with something major you might have trouble finding a policy to cover you.  This is a very serious issue when comparing.

In the near future I expect to see short term policies that have 11 month terms. That mean you will be able to take a policy out for almost a year. I see this a quick fix not only for the very young but the family market too.

As the explosion of health insurance sales online continues buyers need to be aware. Almost everyday I speak with a potential client that has received quotes online and thinks they are buying a certain type of plan. What they are actually buying is a plan that has limited benefits. This could be an honest mistake from the agent  or it could be something far more serious.

There has been a flood of new insurance agents to the industry that specializes in online sales. These agents do not or will not meet face to face with their clients. They just “churn and burn” personal policies. These types of outfits offer no customer service and have a lack of knowledge in product.

They might quote you plan for $140 a month and you think you are buying a plan that is valued at $300 a month. With online application many people are not looking at the plan they are applying for and over the phone they are being told they are buying another plan. So the plan that you think is such a great deal turns out to be a nightmare. Plans that have $3,000 max prescription drug benefit per year or only pays $25,000 a year on inpatient services.

These types of plans can be devastating should you end up need more than the benefit pays.

Its very important to choose an agent that has knowledge in the industry and is willing to meet with you. You want to buy a policy from an agent that is successful because they value what they sell and they value their reputation.