Chapter 4: Finally Getting Somewhere
Following a sleepless night, tossing and turning, worrying whether or not they would be able to locate a health insurance solution, Jane felt much more determined and wanted to give it an additional shot. Dick, not really that familiar with the Internet was still being totally stunned in the millions of internet sites that carried health insurance information. He wished Jane well, but didn’t wait much hope of success.
Jane were built with a shower to try to wash the sleepiness away, ate a healthy breakfast, got the kids ready for school, after which wandered into her computer room. One of many thoughts which had entered her mind the night time before was that perhaps an easier way to research this is to find a specialist.
Jane figured that medical health insurance must be an extremely regulated industry, so she wondered if by changing her search criteria to find regulatory bodies, she’d be able to get the info she needed straight from the horses mouth. Jane Googled the definition of “Health Insurance Regulation.” This search yielded over 2 million results, but Jane didn’t even blink an eye, no longer being afraid of these volumes.
Jane found an internet site that known the National Association of Insurance Commissioners (NAIC) and clicked on the link. The home page seemed to be jam packed with industry related news and alerts. This may be important later, for now Jane simply wanted the basics. There was clearly also a Consumers link around the home page, so Jane clicked on the link. BINGO!
In the actual middle of the next page was a listing of the key insurance types and so Jane clicked on Medical insurance. This revealed some FAQ’s that were aimed right on the beginner. Jane then clicked on a link titled “Tips for getting Health Insurance.” The info provided here was just what Jane had been looking for.
Jane called Dick ahead over and look at what she had found. Together they read the brief but so important information. The info explained how to go about ensuring that your insurance broker and the insurance company are properly licensed and they are not acting fraudulently.
The data also went on to speak in regards to the dangers of buying through the Internet. It spoke of being cautious when any insurance quote appears to be significantly below the rest of the quotes. This may be a warning sign that everything isn’t quite as it should be using this insurance company.
Dick and Jane felt this was really great advice. Being equipped with the tools to ensure that you are getting the right insurance from your right agent as well as the right insurance company, gave Dick and Jane the confidence to charge ahead. This site that Jane had found also provided clear to see information about the many types of health insurance plans, plans that aren’t considered medical insurance and are therefore not regulated, information about consumer’s rights, and lots more great information.
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