o I was sitting here thinking about the countless stories that I hear about the lack of or loss of health insurance. I hear from people what they "want" for their coverage. It is kind of like requesting a meal.
“ I want a medium rare steak, but it has to be broiled not fired and oh...I want caramelized onions and then the gravy (not to watery) from the steak and the onions has to be poured on my very whipped potatoes, but the potatoes must be from Idaho not Ohio because the potatoes from Idaho are the real deal. Then I want the chocolate cake that has the rum filling with the real dairy whipped cream on top (not the fake stuff that has all the preservatives in it), and then I will be happy. But wait, I need an espresso at 301 degrees with a light foam on top but I will need room for cream…uh…use the real cream, ok?”
That is what I hear when I am told by people what they want in their health insurance plan. Wow...wow...we have become so spoiled and fat. I will be the first one in line to say that I need to trim all things down in my life. But I do not have the "normal" health insurance plan so co pay, drug cards, wellness benefits, those things are really not the "norm" anymore.
Please take the time before the New Year is here and write your list on what you want, what you can afford and what you deserve. I will ask you this questions once more. What is your health insurance for? I have the answer do you? Please write to me @ mack.margie@gmail.com and the one that gets it right gets some homemade banana bread made by me sent to you.
Peace, Margie
Sunday, November 16, 2008
Friday, November 14, 2008
T.I.P.S.
This past Wednesday I had the opportunity to speak to about 30 insurance agents (some new and some not so new) regarding how we present out products. I decided to start the class with a very funny youtube piece that I found the morning of my class. The comedian's name is Tom Megalis, a live on the edge freelance performer/animator guy who nailed the experience on obtaining individual health insurance on its roaring head! All you have to do is go to www.youtube.com and type in the search engine either health insurance or his name and let me tell you he was so funny (somewhat risqué) but all the same I felt like I knew his "pain." The T.I.P.S. I gave to them was to please be quiet and listen to all of you. I also reminded them that you as a public will tell us what you want in your health insurance coverage, and I as the “Insurance Lady” as one of my client’s son call me would tell you what you deserve. Harsh? You betcha! There is no reason (unless you are truly sick or are a hypochondriac) to have unlimited doctor office co pays of $10, $20 or $30 dollar a visit. There is no reason to have a low deductible of under $5000 because there are benefits that we can add on to pay for your entire out of pocket in case of any accidents or critical illnesses that may occur. If we are trimming our use of all environmental issues to save the world, cutting back on credit card spending and excessive rewards being paid to high paid executives then it is time to do the same with our health care or we will not have it any longer. It is a dying breed. So please, call me, email me, send me a pigeon with a note but at least respond. You have asked for solutions and I have them! Peace, Margie
Tuesday, November 11, 2008
THINGS TO BE THANKFUL FOR
This is my list for things I am thankful for. It is the time where in our great country, struggling as she ( I think our country is a she because she is “Mother Earth”) is that we have so very much to be thankful for. With the insurance industry changing and as an agent, I am thrilled to see the new benefits that are coming for the American public. So here is my list of things I am thankful for.
1. Progressive and inventive insurance companies such as Assurant Health and Golden Rule for me to work with. They are proactive in restructuring the once detestable term “Insurance Agent” into a much more sweet taste in our mouths then what it has been in the past.
2. Products that are new and exciting such as "The Decreasing One Deductible" which comes with an actual plan that will decrease your deductible twice a year with credits that you earn for being healthy.
3. Two and three year rate freezes. That is right! The plan’s that I offer not only decrease your deductibles it also gives you the peace of mind knowing that you will not be facing the increasing premiums as you do with other company's plans. These plans actually stop you from having the increase’s because the industry says you have to.
4. $25 million dollars in lifetime coverage! WOW! This is amazing. No other company has the foresight to do this for our clients. The costs of all goods including medicals costs are skyrocketing so they have had the wonderful idea to give you more for your safety.
5. With large deductibles we now can cover that deductible with a benefit that will actually pay for your entire out of pocket in case of accidents or critical illnesses that happen in life. The best thing is that it is not a limited benefit. In fact, it doesn't pay only once, it is per person per occurrence. Life is too unexpected and no one plans to be hurt or sick, right? So why be punished for the unexpected things? You need to be smart and choose the plan that will protect you and your family.
6. Tel-A-Doc: first in the country to have this benefit where you can call in and actually speak to a doctor in your time of need for the minor things in life. The "just incase you can't get to a doctor and you have the chills, fever, sneezes, I am sick feeling" you call, he calls you back and you are fine. You can even get refills on medications in case your doctor is not available.
7. The new Patient Care program. This is great. You call a number tell them that you need a certain test done and that representative will actually check around and get you the repiced cost and let you know what your out of pocket will be and what will go towards your deductible and co-insurance. The same rep will help you find a doctor in network or if you are traveling. The same rep will help you get the best cost on your medications or help you will a claim. The list is endless.
8. A company like Assurant Health that is over 150 years old, a steady company that pays its claims and is considerate with its clients.
9. Golden rule gives us the co-pays that some of you need, with an affordable amount to pay along with the ever valuable "wellness" that we all need each year to make sure we are here next year.
10. Most of all I am thankful that I have a chance to be the change that I want to see in the world that the world so desperately needs, now, not in the future, but right now.
I send you my friends (I consider my clients my friends) a wonderful Thanksgiving and the opportunity to enjoy this chance to give back, to stop and listen to what the world is trying to tell you. I may not always be here, but I will always be sending you peace, Margie Mack
1. Progressive and inventive insurance companies such as Assurant Health and Golden Rule for me to work with. They are proactive in restructuring the once detestable term “Insurance Agent” into a much more sweet taste in our mouths then what it has been in the past.
2. Products that are new and exciting such as "The Decreasing One Deductible" which comes with an actual plan that will decrease your deductible twice a year with credits that you earn for being healthy.
3. Two and three year rate freezes. That is right! The plan’s that I offer not only decrease your deductibles it also gives you the peace of mind knowing that you will not be facing the increasing premiums as you do with other company's plans. These plans actually stop you from having the increase’s because the industry says you have to.
4. $25 million dollars in lifetime coverage! WOW! This is amazing. No other company has the foresight to do this for our clients. The costs of all goods including medicals costs are skyrocketing so they have had the wonderful idea to give you more for your safety.
5. With large deductibles we now can cover that deductible with a benefit that will actually pay for your entire out of pocket in case of accidents or critical illnesses that happen in life. The best thing is that it is not a limited benefit. In fact, it doesn't pay only once, it is per person per occurrence. Life is too unexpected and no one plans to be hurt or sick, right? So why be punished for the unexpected things? You need to be smart and choose the plan that will protect you and your family.
6. Tel-A-Doc: first in the country to have this benefit where you can call in and actually speak to a doctor in your time of need for the minor things in life. The "just incase you can't get to a doctor and you have the chills, fever, sneezes, I am sick feeling" you call, he calls you back and you are fine. You can even get refills on medications in case your doctor is not available.
7. The new Patient Care program. This is great. You call a number tell them that you need a certain test done and that representative will actually check around and get you the repiced cost and let you know what your out of pocket will be and what will go towards your deductible and co-insurance. The same rep will help you find a doctor in network or if you are traveling. The same rep will help you get the best cost on your medications or help you will a claim. The list is endless.
8. A company like Assurant Health that is over 150 years old, a steady company that pays its claims and is considerate with its clients.
9. Golden rule gives us the co-pays that some of you need, with an affordable amount to pay along with the ever valuable "wellness" that we all need each year to make sure we are here next year.
10. Most of all I am thankful that I have a chance to be the change that I want to see in the world that the world so desperately needs, now, not in the future, but right now.
I send you my friends (I consider my clients my friends) a wonderful Thanksgiving and the opportunity to enjoy this chance to give back, to stop and listen to what the world is trying to tell you. I may not always be here, but I will always be sending you peace, Margie Mack
Monday, October 20, 2008
This One's For You
Hello my name is Margie and I have a health care plan that everyone should consider! It is called a one DECREASING deductible. This plans deductible decreases every January and July with good health, the first plan ever to offer this! This policy has multiple deductible options that fit according to ones budget. All applications that are turned in before OCTOBER 26TH WILL HAVE THE DEDUCTIBLE LOWER BY 10% IN JANUARY. It has 25 million dollars worth of coverage per person! The only policy in the market to offer this! A $100.00 dollar accidental injury deductible that can make your plan a zero deductible plan if get hurt. It has GUARANTEED RENEWABILITY! This is the most valuable element in healthcare! What happens if I get sick on the plan? Will they cancel me or raise my rate so high that I cannot afford it! I can help you avoid this scenario. Take a look at this website and see what I mean www.healthupdates.biz ! Call or simply email me if you would like a personal quote to see what the rest of the market is protecting themselves with!
25 million dollar policy, 24 hour worldwide coverage, $100.00 dollar accidental injury deductible, dental and vision! Oh and we can lock in your rate for 36 months if your tired of rate increases! The plan also works with pre-existing conditions.
Free Application Process that takes 15 minutes!
You can also go to my website and build the plan yourself and complete the application process! http://margaretmack.besthealthagent.com
25 million dollar policy, 24 hour worldwide coverage, $100.00 dollar accidental injury deductible, dental and vision! Oh and we can lock in your rate for 36 months if your tired of rate increases! The plan also works with pre-existing conditions.
Free Application Process that takes 15 minutes!
You can also go to my website and build the plan yourself and complete the application process! http://margaretmack.besthealthagent.com
Saturday, October 18, 2008
I HAVE AN IDEA!
October 18, 2008
To Whom It May Concern:
My name is Margie Mack and I am writing to you about a subject idea that is very important to all people in our country. I am an insurance broker who has worked in the private health insurance industry for about 7 years and I work with people every day that are scared and confused and angry about their current coverage and what it does and doesn’t so for them.
I have the ability in most cases to help that client rectify the plan that they are in by finding them better coverage whether or not if it is within their current company or not. What I have been dealing with for the last five years has grown progressively worse. I pride myself on being an insurance guru of sorts because if I can’t fix it I will find someone who will.
If I could get on the air and answer questions and then explain just how workable the plans that we have offered to us can work I feel that it would be a great benefit to the general public because most of the agents that they use are not in the positions to actually fight for their clients like I am.
The great opinion in the world is that all insurance companies are “bad” but I beg to differ. Actually the insurance companies that I work with make it very clear on what they will do for the client and what they will not do for the client. I have found out that eighty percent of the time it is the “agent’ that has lied to the client in order to get the sale. I am currently finishing a book entitled “Belly to Belly, the real truth about your health insurance.”
Did you know that there is a plan for individuals that will actually pay their entire out of pocket deductible in case they get hurt or critically ill? Did you also know that there is a company that gives you a $25 million dollar lifetime, and also a 36 month rate freeze so you do not have to fear the impending premium increases that plague us like there is no tomorrow? Education for all my clients is the key. If I do not take the time to educate them and help them not become a statistic as my husband I have with no coverage then who will help them? On a whole the general population doesn’t have a clue on what they can actually do within their plans.
I would like to rectify that problem. I want to be the “voice” the “Susie Orman” of the health insurance industry. I have references of clients that I have helped through very serious situations. Thanks for listening and I do have a blog, but the last few months have been so busy with clients that I haven’t posted in a while but am updating it this weekend. Thanks for listening to a woman who just wants to help others as she would have liked to been helped.
To Whom It May Concern:
My name is Margie Mack and I am writing to you about a subject idea that is very important to all people in our country. I am an insurance broker who has worked in the private health insurance industry for about 7 years and I work with people every day that are scared and confused and angry about their current coverage and what it does and doesn’t so for them.
I have the ability in most cases to help that client rectify the plan that they are in by finding them better coverage whether or not if it is within their current company or not. What I have been dealing with for the last five years has grown progressively worse. I pride myself on being an insurance guru of sorts because if I can’t fix it I will find someone who will.
If I could get on the air and answer questions and then explain just how workable the plans that we have offered to us can work I feel that it would be a great benefit to the general public because most of the agents that they use are not in the positions to actually fight for their clients like I am.
The great opinion in the world is that all insurance companies are “bad” but I beg to differ. Actually the insurance companies that I work with make it very clear on what they will do for the client and what they will not do for the client. I have found out that eighty percent of the time it is the “agent’ that has lied to the client in order to get the sale. I am currently finishing a book entitled “Belly to Belly, the real truth about your health insurance.”
Did you know that there is a plan for individuals that will actually pay their entire out of pocket deductible in case they get hurt or critically ill? Did you also know that there is a company that gives you a $25 million dollar lifetime, and also a 36 month rate freeze so you do not have to fear the impending premium increases that plague us like there is no tomorrow? Education for all my clients is the key. If I do not take the time to educate them and help them not become a statistic as my husband I have with no coverage then who will help them? On a whole the general population doesn’t have a clue on what they can actually do within their plans.
I would like to rectify that problem. I want to be the “voice” the “Susie Orman” of the health insurance industry. I have references of clients that I have helped through very serious situations. Thanks for listening and I do have a blog, but the last few months have been so busy with clients that I haven’t posted in a while but am updating it this weekend. Thanks for listening to a woman who just wants to help others as she would have liked to been helped.
Tuesday, August 19, 2008
I HAVE THE SOLUTION TO YOUR PROBLEM
I recently told a client that I felt like the dreaded IRS knocking on their door. The scenario goes like this; when I first contact the client they are either surprised and relieved or they are suspicious of what I want and who I am. Why would I want to save them money?? Why do I care that their premiums go up and up and up?? What am I gaining from helping them?? Where have I been until now??
I am so sick and tired of pleading with people to let me help them that I wish that I could get on the radio or on OPRAH and yell "WE HAVE A CRISIS HERE IN OUR COUNTRY AND THE COMPANY THAT I WORK FOR HAS A PLAN FOR EVERYONE!" " WE HAVE THE SOLUTIONS TO YOUR INSURANCE PROBLEMS!" Tonight I took work home with me and worked and called and emailed and faxed. So far I was regarded with distrust and what is it that I really want...not your first born because I have four of my own thank you!
If you are 60 years old and smoke and are overweight, guess what, I can help you. If you are a non smoker, and not overweight and young or old, I can help you. Even if you do not have your Social Security card yet, I can help you. But the questions really is...do you want me too? Let me know, peace, Margie
I am so sick and tired of pleading with people to let me help them that I wish that I could get on the radio or on OPRAH and yell "WE HAVE A CRISIS HERE IN OUR COUNTRY AND THE COMPANY THAT I WORK FOR HAS A PLAN FOR EVERYONE!" " WE HAVE THE SOLUTIONS TO YOUR INSURANCE PROBLEMS!" Tonight I took work home with me and worked and called and emailed and faxed. So far I was regarded with distrust and what is it that I really want...not your first born because I have four of my own thank you!
If you are 60 years old and smoke and are overweight, guess what, I can help you. If you are a non smoker, and not overweight and young or old, I can help you. Even if you do not have your Social Security card yet, I can help you. But the questions really is...do you want me too? Let me know, peace, Margie
Sunday, August 10, 2008
BEING IN THE NOW!
I love being in the "now." I have been reading that book by Eckhart Tolle and this has redirected the path I was on to a new path. I know, I know we all get enthused and then all of a sudden it just drifts away....to come back to us in another form, another speech,a book, a song or radio program. But, I really think that with this knowledge of what I have read so far that I can apply this to my current situation. I do not have any problems, I have only situations, that I have to handle.
For the last week the song "Time After Time" by Cindy Lauper has not only been stuck in my head but has played everyday on one radio station or another. I think that the universe is trying to tell me something, but I am not sure yet. All I know is that with regards to how I help you, my love my family, friends and clients will always be here.
I will be waiting, time after time, peace, Margie
For the last week the song "Time After Time" by Cindy Lauper has not only been stuck in my head but has played everyday on one radio station or another. I think that the universe is trying to tell me something, but I am not sure yet. All I know is that with regards to how I help you, my love my family, friends and clients will always be here.
I will be waiting, time after time, peace, Margie
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