Article Abstract:
The health care insurance industry needs to become more service-oriented if it wants to grow. The trend toward managed care systems, which has occurred because of company and employee desires to lower costs, has resulted in products that are complicated both to the seller and buyer of health insurance. Brokers, insurers and insurance agents need to improve their abilities in explaining health insurance products and terms to their customers. Insurance professional must also become better at determining a client's needs and improve their ability to establish appropriate plans for the consumer.
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Article Abstract:
Insurance agents can sell dental managed care plans in addition to traditional indemnity plans to meet employers' demands for comprehensive benefits and cost control efficiency. Dental health maintenance organizations and dental managed care plans often have less expensive premiums than traditional indemnity plans, but offer the same level of coverage. Companies can also offer dental plans at no cost to the company by having employees pay the full cost of insurance through flexible benefits plans under IRS code section 125.
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Article Abstract:
Some insurance agents and brokers are disturbed that their names are not included by their respective companies on the Internet lists which are often limited to the company's best performers. Such a discriminatory practice is detrimental to the morale and marketing efforts of an agent. Companies such as CNA Insurance Group installed a Web site for the purpose of showing users all available products and to facilitate them in searching for an agent who can assist with the shopping.
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