When trying to understand insurance, or purchase insurance, you sometimes need a little help.
Benefit counseling and education can be just a phone call away.
Getting help is the first step to being on your way to protecting yourself and your family.
It doesn't matter whether you get your insurance through your employer, or on an individual basis, you need to understand all the benefits and possible disadvantages of certain plans.
This is where good benefit counseling and education can help you make an informed decision.
A highly trained benefit counselor knows about COBRA, the Consolidated Omnibus Budget Reconciliation Act of 1986, and HIPAA, the Health Insurance Portability and Accountability Act of 1996.
These are just a couple of the laws and acts that a benefit counselor can inform you about.
Health insurance is extremely important, because having it can keep you from using all your finances on skyrocketing medical bills.
But sometimes even that is not enough.
Talk to an insurance agent and counselor about supplemental insurance.
Supplemental insurance can take up the slack where other policies leave off.
Some policies pay directly to you, which can help with expenses such as car payments and groceries.
There is a couple of safety tips you should know when looking for insurance.
If you find a company that you like, you need to be sure the agent offering the insurance is licensed, and secondly, verify that the company, if unknown, is approved by your state insurance department.
Once you have done this, you can have the benefit counseling agent answer the rest of your questions and help you get enrolled.
Before the meeting is over, know your premiums, effective date, and about preexisting clauses.
By getting benefit counseling and education you know you can feel good and safe with the plan you enrolled in.