I am really angry today because I have the ability to help so many and no matter how many times I call, you won't call back!
Do you want affordable health care?
Do you want a premium that will not go up for 24 to 36 months?
Do you want Dr visits?
Do you want a drug card?
How about $25 million in benefits?
Would you like it if you ever got hurt or critically ill you wouldn't have ot meet your deductible, ever?
Why won't you call me?
Monday, April 6, 2009
Wednesday, April 1, 2009
Fighting the Fight
When I was young I can remember my grandfather being very private about whom he voted for during the election for our president. My grandma was handicapped and in a wheel chair and so the voting official would come to their home and grandma would vote by herself in the kitchen and then grandpa would vote in the living room also in private. It was the only time that I can remember while being raised by them that they didn't discuss the decision that they has made on their vote. But this I do remember about their patriotism.
On the 4th of July they would go outside and raise the American Flag. We lived at the end of a dirt country road and the only audience most of the time were the squirrels, rabbits and occasional deer that would come by to see what we were up to. Oh, I can remember when someone who was lost came all the way down to the end of the road and would turn around on our small driveway and grandpa would say "they may be lost but at least they know that they are in America!"
They cried together watching on their small black and white television when President Kennedy was shot. They yelled at the same television set when they watched the riots that ravaged our city if Chicago. They laughed at classic TV shows such as Jackie Gleason and the Carol Burnett show. They loved every single season and all the weather it brought each year. They loved their family and all neighbors for they considered us all the same, humans walking together in a great country on a greater Mother Earth.
I choose not to see the constant news that brings nothing but lies, deceit, despair and hate for our fellow man. I choose not to allow this downhill spiral of negativity that flows from each and every single news source like the water that flows through the Fox River. I choose to love my fellow man and see the good that there is in each of us and believing without all doubt that our town, our state, out country and our world will be saved.
What do you choose?
Peace, Margie
On the 4th of July they would go outside and raise the American Flag. We lived at the end of a dirt country road and the only audience most of the time were the squirrels, rabbits and occasional deer that would come by to see what we were up to. Oh, I can remember when someone who was lost came all the way down to the end of the road and would turn around on our small driveway and grandpa would say "they may be lost but at least they know that they are in America!"
They cried together watching on their small black and white television when President Kennedy was shot. They yelled at the same television set when they watched the riots that ravaged our city if Chicago. They laughed at classic TV shows such as Jackie Gleason and the Carol Burnett show. They loved every single season and all the weather it brought each year. They loved their family and all neighbors for they considered us all the same, humans walking together in a great country on a greater Mother Earth.
I choose not to see the constant news that brings nothing but lies, deceit, despair and hate for our fellow man. I choose not to allow this downhill spiral of negativity that flows from each and every single news source like the water that flows through the Fox River. I choose to love my fellow man and see the good that there is in each of us and believing without all doubt that our town, our state, out country and our world will be saved.
What do you choose?
Peace, Margie
Wednesday, March 4, 2009
Dear Mr. President
Dear President Obama;
My name is Margie Mack and I am writing to you because I am a health insurance agent and have to relay how I feel. I am proud of the fact that you are taking the issue of our health care here in this country seriously. I have been a health insurance agent for 7 years and what I have had to deal with would be something that could be a best seller. As an insurance agent you would think that my husband and I would be able to have coverage, right? But we don’t. Dan and I have not had health insurance coverage for approximately 9 years now.
What happened was I worked at Comcast 9 years ago and I was having trouble with the position I was in and opted to leave me job. When I got the conversion rate from the group policy I was on to the Cobra that was offered it was a staggering $832 a month and my husband was an independent furniture mover who did not carry the insurance for us. So, I figured I would find another job right away and get insurance right away so I canceled it. Big mistake for about 2 weeks after I cancelled it my husband had a heart attack.
Wow, what a wake up call. Not only did he have a heart attack but they insisted on doing heart surgery and the cardiac doctor told my husband that he was permanently retired from his line of work. That was all he knew how to do and he was a very hard worker. He would move 20,000 pounds of furniture in one day and feel great. When Dan heard this he broke, completely and well he was never the same man as he was before. He couldn’t get any disability because he was considered “re-educationable” and he never went passed the 9th grade due to a terrible injury he had at 13 years old. Life as we had known it had permanently changed for us. We had to file bankruptcy and I decided to find a job where I could make the difference and protect people from what I had been thorough.
So that is what I do. My daughter-in-law and I work as independent agents that work out of a MGA (Managing General Agency) and we help find new coverage, maintain old coverage and also manage our clients policy. We do not get a salary and we strictly on commission. It is a hard line but the return from our clients is wonderful. We have built a very good client base on trust and the fact that we will never let anything happen to them. It isn’t easy in our economy and there are many, many clients who have to restructure what they have. I have to become a parent to many of them and say “you have to trim the fat in your plan. Your insurance is only there to pay for the things that you cannot.” I have a blog that I send them to (not that they read it) Website:www.bellytobelly-margie.blogspot.com and unlike most agents, Jeannette (my daughter-in-law) and I fight to get the premium down with the most protection there is even though that doesn’t line our pockets.
We work primarily with Assurant Health because they offer their plans that actually protect our clients. What I hear is that almost all clients want doctor office visits, low deductible’s and wellness benefits as well as a low premium. That animal doesn’t exist if you are overweight, smoke, have illnesses such as high blood pressure and high cholesterol or any anxiety issues which we all seem to have now a days. So I show them how my husband and I take care of us without insurance.
They don’t always go for it and seem that they can get instant gratification elsewhere but they always seem to come back to me at one time or another. The plans that we see through Assurant health have $25 million in lifetime benefits, no premium increases for 36 months, wellness, drug card, and also a benefit that pays for the clients entire out of pocket in case of any accidents or critical illnesses that may occur (but a small $250 deductible applies to only the accident part of the plan. The premiums are competitive and most medical conditions are accepted or if not they have plans that actually help people that cannot get the “normal” plan.
I hope that I could someday have the opportunity to sit with you and actually share some of my ideas that I have. There is so much we can do to solve this issue and it won’t cost that much money if we all work together. I am not sure that you will even get this letter to read because I know that you are very busy man, but we need to be the difference that we want to see in the world, right? Please let me know if you would like to meet, I make great homemade banana bread and send it all over to my clients and friends. Thanks for listening; it feels good to tell someone that I feel that I can actually help.
Sincerely,
Margie Mack
My name is Margie Mack and I am writing to you because I am a health insurance agent and have to relay how I feel. I am proud of the fact that you are taking the issue of our health care here in this country seriously. I have been a health insurance agent for 7 years and what I have had to deal with would be something that could be a best seller. As an insurance agent you would think that my husband and I would be able to have coverage, right? But we don’t. Dan and I have not had health insurance coverage for approximately 9 years now.
What happened was I worked at Comcast 9 years ago and I was having trouble with the position I was in and opted to leave me job. When I got the conversion rate from the group policy I was on to the Cobra that was offered it was a staggering $832 a month and my husband was an independent furniture mover who did not carry the insurance for us. So, I figured I would find another job right away and get insurance right away so I canceled it. Big mistake for about 2 weeks after I cancelled it my husband had a heart attack.
Wow, what a wake up call. Not only did he have a heart attack but they insisted on doing heart surgery and the cardiac doctor told my husband that he was permanently retired from his line of work. That was all he knew how to do and he was a very hard worker. He would move 20,000 pounds of furniture in one day and feel great. When Dan heard this he broke, completely and well he was never the same man as he was before. He couldn’t get any disability because he was considered “re-educationable” and he never went passed the 9th grade due to a terrible injury he had at 13 years old. Life as we had known it had permanently changed for us. We had to file bankruptcy and I decided to find a job where I could make the difference and protect people from what I had been thorough.
So that is what I do. My daughter-in-law and I work as independent agents that work out of a MGA (Managing General Agency) and we help find new coverage, maintain old coverage and also manage our clients policy. We do not get a salary and we strictly on commission. It is a hard line but the return from our clients is wonderful. We have built a very good client base on trust and the fact that we will never let anything happen to them. It isn’t easy in our economy and there are many, many clients who have to restructure what they have. I have to become a parent to many of them and say “you have to trim the fat in your plan. Your insurance is only there to pay for the things that you cannot.” I have a blog that I send them to (not that they read it) Website:www.bellytobelly-margie.blogspot.com and unlike most agents, Jeannette (my daughter-in-law) and I fight to get the premium down with the most protection there is even though that doesn’t line our pockets.
We work primarily with Assurant Health because they offer their plans that actually protect our clients. What I hear is that almost all clients want doctor office visits, low deductible’s and wellness benefits as well as a low premium. That animal doesn’t exist if you are overweight, smoke, have illnesses such as high blood pressure and high cholesterol or any anxiety issues which we all seem to have now a days. So I show them how my husband and I take care of us without insurance.
They don’t always go for it and seem that they can get instant gratification elsewhere but they always seem to come back to me at one time or another. The plans that we see through Assurant health have $25 million in lifetime benefits, no premium increases for 36 months, wellness, drug card, and also a benefit that pays for the clients entire out of pocket in case of any accidents or critical illnesses that may occur (but a small $250 deductible applies to only the accident part of the plan. The premiums are competitive and most medical conditions are accepted or if not they have plans that actually help people that cannot get the “normal” plan.
I hope that I could someday have the opportunity to sit with you and actually share some of my ideas that I have. There is so much we can do to solve this issue and it won’t cost that much money if we all work together. I am not sure that you will even get this letter to read because I know that you are very busy man, but we need to be the difference that we want to see in the world, right? Please let me know if you would like to meet, I make great homemade banana bread and send it all over to my clients and friends. Thanks for listening; it feels good to tell someone that I feel that I can actually help.
Sincerely,
Margie Mack
Sunday, March 1, 2009
Recession Proof
I am calling what I do "recession proof" because I am amazed at the amount of work I have to do to help people. When I get the call and request for help I move immediately after probing for details about health, physical stats and what the person wants from their insurance and what they can afford to pay.
Everyone that I talk to, and there are no exceptions, wants as much coverage for as cheap as they can pay for it. I keep talking you people over and over again that you must cut the benefits from your insurance so that you can afford to pay for the coverage that you need to have to protect what you own. Nothing else.
I know that we have covered this before and we will cover it again, but I am going to get down off my soapbox and write a letter to our new President. Peace, Margie
Everyone that I talk to, and there are no exceptions, wants as much coverage for as cheap as they can pay for it. I keep talking you people over and over again that you must cut the benefits from your insurance so that you can afford to pay for the coverage that you need to have to protect what you own. Nothing else.
I know that we have covered this before and we will cover it again, but I am going to get down off my soapbox and write a letter to our new President. Peace, Margie
Sunday, February 22, 2009
52 MONDAYS
There are 52 Mondays in 2009. There are 52 new Mondays that you can begin again. Have you ever heard the saying “someone has the case of the Monday’s?” That was from one of my favorite movies “Office Space.” All of us are guilty we face each week as something that we cannot control. We view each Monday as the beginning of an unending week, right? I am guilty so guilty of falling into this trap myself. But this year as we face uncertainty in our country with the loss of jobs, homes and benefits we can count on one thing. There will always and forever be another Monday that we will be able to begin again.
Take this Sunday and spend some time and map out your next course. You need health insurance. The insurance industry knows that you need health insurance. The health providers know that you need health insurance. The only one that is skeptical if you need health insurance is you. “I can’t pay for what I want,” well pay for the type of coverage that will protect what you own. “How do I manage paying for health insurance if I can’t have all the benefits that I want included?” Well, you can do like I do. There are minute clinics all over the place that will be a fraction of the cost of a doctor’s office co-pay that you would pay with your perfect health insurance. There are colleges that have dental schools that offer clinics that you can go for to have cleanings and x-rays and simple procedures. There are places like Vision Works, which are all over the country and offer an eye exam for $39.00 and 2 pair of glasses for $99.00.
Come one you can do it. We can do it! We have to save the Earth, save our country and most of all save ourselves. Call me, be the difference that you want to see in this world.
Peace,
Margie
Take this Sunday and spend some time and map out your next course. You need health insurance. The insurance industry knows that you need health insurance. The health providers know that you need health insurance. The only one that is skeptical if you need health insurance is you. “I can’t pay for what I want,” well pay for the type of coverage that will protect what you own. “How do I manage paying for health insurance if I can’t have all the benefits that I want included?” Well, you can do like I do. There are minute clinics all over the place that will be a fraction of the cost of a doctor’s office co-pay that you would pay with your perfect health insurance. There are colleges that have dental schools that offer clinics that you can go for to have cleanings and x-rays and simple procedures. There are places like Vision Works, which are all over the country and offer an eye exam for $39.00 and 2 pair of glasses for $99.00.
Come one you can do it. We can do it! We have to save the Earth, save our country and most of all save ourselves. Call me, be the difference that you want to see in this world.
Peace,
Margie
Sunday, November 16, 2008
What You Deserve
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
“ 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
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
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