Were you ever on the phone with customer service rep of a health insurance company? If so, then probably you’ve experienced the following scenarios.
- You wait for an hour or so -on the phone; the customer service representative picks up the phone (finally) and you have to verify your name, date of birth, address, policy number, etc.
Then, you have to explain the reason why you are calling. After all of the information has been provided, the representative says that he/she can’t help you and transfers you to a “different department” or another representative
- You are being transferred to a “different department” and provide the same information again (oh, boy again?!) explain your situation and they say that they are not handling this type of requests, and you are being transferred again to someone else. (ouch!)
- Now, you really pray that a more competent representative will pick up the phone….
- You are transferred to a “supervisor” who asks you to explain again what your situation is.
- At this point, you really get angry…. (you’ve explained your issue to everyone a few times already, and now you have to do it again!)
- The new representative or supervisor doesn’t do much… then reads you the information that you already know.
- Oh, no!
- Now, you throw away the phone and do the same thing by email or postal mail. Or go for a walk. J
- You wait forever for an update…
Many of our clients approached us after dealing on their own with the “customer service” ordeal. I hope that not everyone experienced the above scenario, but if you did, or would like to avoid the above, we are kindly suggesting that you work with an agent or broker that knows what “buttons to press” and what questions to ask when helping you with any health insurance issues you might have. Agents do not charge a fee for this service. They are paid a small commission (and your monthly premium is the same, whether you work with an agent or work directly with an insurance company). We are an independent insurance agency, and this gives our clients an advantage; We work with top insurance companies and we carefully select the best health plan for our clients.
This benefits both the client and us! You can find us online:http://www.SFcheapInsurance.com or reach us by phone: 415-994-4121.
We are also certified by the Covered California. You can choose to delegate us as your agent of record through the CoveredCA portal at no extra cost! To delegate us, please:
- go to CoveredCA web page,
- Log in with your username and password
- Go to “Find Help Near You” tab (the upper right corner)
- Select “Find an Agent”
- Type in: Diana Polyakov (or the name of your favorite agent ) make sure to increase the distance from your zip code if you are searching locally.
- You will be asked to agree to the disclosures
- From that point, we will be able to verify the application for completeness or errors, submit additional information on your behalf, etc.
Stay Healthy!
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