Given the current political climate surrounding the matter, health insurance is all the buzz in both the insurance agencies and the Senate floor. Most people are unhappy with the current state of their health insurance, and hundreds of thousands of Americans are completely uninsured. What makes it even worse is that even basic health insurance polices can be prohibitively expensive for people who don’t have jobs that provide appropriate benefits.
The high level of unemployment in the United States also contributes to the large portion of the public that is operating either with inadequate health insurance or none at all.
With this on the mind, many clients simply give up on health insurance altogether. As a insurance agent, your job is both to sell insurance and help clients get the insurance they need at a price they can afford. Many people write off health insurance as a luxury, instead preferring to put their money into automotive or home insurance. While auto and home insurance are also necessities, it may help you while working with clients to remind them that health insurance could potentially save their lives and the lives of those that they love.
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People with health insurance are much more likely to go see a doctor or a dentist if there are any problems with their health. It’s an oft-quoted cliché, but it really is true that an ounce of prevention is worth a pound of cure. Going to see physicians regularly helps in determining if any problems are starting to occur with an individuals’ health and can put that person back on the path to wellness before a small problem becomes something much more expensive and hazardous to the health.
In contrast, people who do not have health insurance often live with worsening problems until it overwhelms them and they end up in the emergency room. Having an affordable health insurance plan can assist in keeping people in good shape and out from under the doctor’s scalpel.
Additionally, statistics by the American Cancer Society show that the prevalence of insurance has a lot to do with whether or not a person dies of prostate cancer or not. Those that have insurance are more likely to go in and get screenings, and thus appropriate medical action can be taken if problems are detected. Those without insurance are much more likely not to realize that there is a problem before it is too late.
With this in mind, try to find your uninsured clients health insurance packages that cover them at a fair cost and will get them the preventative care they need in order to ensure that they live long and healthy lives.