First Choice Health Insurance
             Solutions for Your Health Insurance Needs

 


First Choice Health Insurance, Inc.
Role of an Health Insurance Agent or Insurance Producer

As You Shop for Health Insurance

While not as much fun as going to the mall, we've tried to make shopping for health insurance easy and informative. Here are some things you should know about.

Insurance companies file premium rates with the state on a yearly basis and generally can only change premiums once a year. This can be on January 1, July 1, your policy anniversary date, or other date depending on your insurance company.

You pay the same premium for a given policy and geographic area regardless of from whom purchased.

We hate throwing money away or spending money on something we don't get to enjoy the benefits of. Yet, people can unknowingly do this when it comes to health insurance.

Premiums for almost all insurance policies include a commission charge to pay agents for selling and servicing these policies. You pay this commission charge regardless of whether you buy directly from the insurance company or from an independent agent.

If you purchase directly from the insurance company, you give up your right to have an agent represent you and help you solve problems that may develop.

As Your Agent

Our job is to keep you informed and to help you if you want us to.

We will keep you apprised of current pricing, benefit changes, and other issues that affect your policy.

Each year at your renewal, or as you desire, we can compare your renewal rates and benefits with those of other companies.

We can assist you with service, billing, and claims resolution.

We will do our best to answer any other questions you may have.

Some people really like the way we do business. This is what Renee sent to Ann via e-mail:

"Hello again. My insurance angel. Please send information on both plans and I will choose. Thank you for your prompt responses and detailed information. Tell your boss to put you in for a raise.
Renee W."

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