Details In Business Blog

By Ron Freeman
National Insurance Advisors, Inc.

Preparing for the new reality…

Lay-offs, buy-outs and early retirements continue with no end in sight.  Are you one of the many GM or automotive related workers and retirees who will lose their benefits soon? 

Then, now is the time to do your homework.  Don’t wait until the last minute.  The change from having health protection decided on, and paid for, by employers vs. acquiring it yourself can be confusing and frustrating. 

Too many choices?

With the continued rise in self-employed and non-employed in this country, more and more insurance products are becoming available as the wave of providing personal healthcare attracts countless companies wanting a piece of the healthcare pie.

Once you begin your search, you’ll find companies offering anything from good ole’ comprehensive A-rated health insurance to limited benefit, discount or even guaranteed issue programs that can seem attractive on the surface, but leave your family with serious financial chaos if an unexpected accident or illness arises.  Determining which of the many programs may be the best for you and your family can be overwhelming, to say the least.

Where to Begin?

How should you start looking for the best health care coverage?

First, identify your needs.  Be realistic.  You might not be able to afford the same benefit-rich program the automotive industry provided. 

Second, research the industry via the Web - but don’t buy anything over the internet!  All too often,  uninformed people who may not know the right questions to ask make an internet or phone purchase and end up with costly non-refundable application or registration fees and, moreover, lousy protection.  Even brochures can be misleading; remember they are produced by the companies selling their product.

Reference: www.nationalinsuranceadvisors.com
This site is packed with information, including the ability to receive a quote from every qualified health insurance company and tips for choosing the right one for you.

Finally, get professional advice.  A licensed insurance advisor at NIA will help you weigh your options and make recommendations based on your individual needs – at no added cost to you or your new insurance program.

Look for an advisor who:

• Will design a plan that meets your needs and fits your budget
• Provides you with an array of healthcare programs
• Offers every qualified health insurance product available in your state
• Is backed by a respected company with trained agents and staff
• Won’t  over-insure you with benefits you may never use, but provides the comfort of knowing you are protected in case of that unexpected hospitalization or surgery
• Concentrates only on your health and lifestyle protection.  An agent who sells only health insurance and is not limited to only a few companies is your best bet.

First and foremost, protecting your assets and lifestyle is the true reason we have our health insurance.

About the Author:
Ron Freeman is the Regional Manager in Metro-Detroit for National Insurance Advisors, Inc., Michigan’s largest producing agency of individualized healthcare solutions. National Insurance Advisors Agency, Inc. specializes in health and life insurance for the individual, self employed and independent business owner, so you know you’re dealing with a company that concentrates only on your health and lifestyle protection. They take great pride in being experts in their industry, servicing all of their clients in Michigan with multiple offices, a fully trained staff and agents, and in-house underwriting all at no cost to you since the industry is government regulated and insurance premiums cannot change from agency to agency.

For more information on finding a solution to your insurance needs,
contact Ron at (888) 779-3604, call direct at (248) 467-1699
or e-mail rfreeman@nationalinsuranceadvisors.com.

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