It only makes good common sense, as well as economic sense, to get health insurance quotes for one’s particular stage of life, as they will vary in what services are provided and costs.
Sure it’s difficult to search for health care insurance as you feel like you are taking a crash course in insurance terms, offers, plan this and plan that. It’s not the easiest thing to do and most people would rather just not do it, however, there is a way around the angst – get an insurance agent involved.
There is no good reason why anyone has to choose their own health insurance plans or packages, not when all they need to do is call a local health insurance agent and get free advice. “We know our products like the back of our hand and are able to assist people in finding what they need, and at a good price,” said Randy Gillespie of Focus Insurance Group in Liberty, Illinois.
The largest problem with people calling health insurance agents is that people think the agent will attempt to sell them something they don’t want, and they don’t know how to say “No.” The fact of the matter is that “When people come to see us, we sit down with them and go over what their goals are for health insurance. We work with them to find what suits them. If they don’t buy insurance from us, that’s not a problem. We are here to help people, not sell them something they don’t want,” added Gillespie, who willingly spends hundreds of hours talking to customers about their needs.
When someone does ask about insurance, one of the usual questions does tend to relate to age. While this might sound like it is biased, it is not. “Age relates directly to what an individual needs in terms of insurance and which supplements will or will not work, as the case may be,” outlined Gillespie. The bottom line is that no matter what a person’s age is, in general, everyone has similar health care needs, and that is to know they have coverage when they need it.
Often it’s the younger crowd who feel they may be immortal and don’t get health insurance coverage because they don’t think anything will happen to them. Of course, things usually do happen at some point, and they find out the hard way that age didn’t matter when it came to having (or not having) health insurance. It’s a tough lesson to learn when faced with a medical bill of $20,000 for a broken leg. “The smart choice is to have health insurance at any age,” commented Randy Gillespie of Focus Insurance Group in Liberty, Illinois.