How To Choose An Atlanta Health Insurance Broker

Why is it important to choose the right Atlanta Health Insurance Broker?

It simply comes down to this one thing and one thing alone — savings and service.  If you are not careful you could fall for three of the most common pifalls when getting Atlanta health insurance for themselves.  Therefore, there are a few things you need to know before making your final decision.

1- Work with a health-insurance broker:

All insurance agents are not created equal. The truth is that many of them specialize in one or two things. They may know car insurance or home insurance inside out, but know little if anything about health insurance. Then you have health insurance agents that represent only one company. If you work with an agent like this, your choices will then be severely limited as you can imagine.  A broker  can shop all the top health insurance companies for you. This means that you save each and every month on your health premiums.

2- Sometimes the “lowest price” turns out to be the highest!

What good is it to get a health plan if the rates are going to skyrocket next year? This is a common mistake that people make.  One carrier may be a few dollars cheaper than the the others, so a client will opt for the “lowest price”.  What they do not realize is that some companies will do this to “buy” your business only to jack up the rates 30% or more the next year.

That is why you want a really capable broker that will not only will help you shop for price,  but they will know if a company has the reputation for raising premiums or giving policyholders who file claims a hard time. Does that make sense?

3- Choose a local insurance agent

Did you know that many of the websites you may be searching on are not local businesses?  They are aggregators that are owned by companies that may be hundreds or even thousands of miles away. Many of them are not even in the insurance business but are in the marketing business to capture and sell insurance leads. You want to work with a genuine local Atlanta insurance agent that will be available to talk with you in person if you need to. For example did you know that besides the Duluth GA insurance agency Lloyd Pro Group has,  that they also have an Atlanta, Dekalb county,  as well as a  Douglasville GA insurance agency too?

You will never be able to forget that a website that only gives you the option to fill in a form will not allow you to experience the benefits of having your own personal insurance agent. Remember that a local agent will help guide you through the points and pitfalls that we just mentioned above.  Do yourself and our local economy here a favor by working with a local

Lloyd Pro Group is an Atlanta health insurance broker that has been helping families get affordable insurance in Atlanta since 1985.  They can be reached at (770) 497-1200 or on their website at http://www.lloydprogroup.com

How To Get Affordable Health Insurance In Georgia

If money is tight and you are looking for affordable health insurance in Georgia, then  a high deductible plan may be the answer you are looking for.

What is a High Deductible Policy?

Now don’t let the term “high deductible” scare you. In fact, once you see the math, you may be wondering why no one showed this to you before.

A high-deductible policy or catastrophic plan means that you will pay more of your routine medical costs out of pocket  (Dr visits, checkups etc), but these policies will protect you against catastrophic medical bills. So you if you let’s say need an operation for heart surgery you are protected. This is an excellent way to get low cost Atlanta health insurance and depending on your deductible it may even be eligible to be used with an HSA (Health Savings Account).

What about my doctor visits and checkups?

That is a common question that people ask. The good news is that having the catastrophic coverage also entitles you to Read the rest of this entry »

Will My Home Insurance Pay For Sewer Back Up Clean Up?

Atlanta home insurance and sewer back up

You know how hard you work at keeping your bathrooms clean. Now , close your eyes for a moment and try to imagine how disgusting it would be to see raw sewage overflowing from your toilets in your bathroom.  Now imagine what it would be like to have to clean it all up yourself!

But wait… that is what I have Atlanta homeowners insurance for, right?

Will my homeowners insurance policy cover me for sewer back up?

The answer really depends on Read the rest of this entry »

Will Home Insurance Protect Me From Termite Damage Repairs?

Termite damage and atlanta home insurance

When I first moved to Atlanta 20 years ago a friend told me his view on termites. He said, “It’s not about “if” you are going to get termites… its a question of “when” you are going to get termites”.  So if you are a homeowner you might very well be concerned about these persistent problematic pests!

Will your Georgia home insurance protect you from termites?

You may be surprised to hear that the answer is Read the rest of this entry »

How to qualify for an Atlanta HSA

In our last post we talked about the benefits of an Atlanta HSA or Health Savings Account. An HSA is a tax free savings account that when combined with a high deductible Atlanta health insurance plan offers many benefits. Today we will discuss how to qualify for this tax free way to pay for medical expenses.

Point # 1: Who qualifies for an HSA?

In order to open an HSA:

• You must be covered by a qualified Read the rest of this entry »