Who am I? I am a licensed insurance agent in the
states of Florida, Georgia, Texas and Arizona. I have 21 years of experience in
life and health insurance sales. I am contracted with major insurance carriers
to acquire customers for their products and services. I currently work with the
Senior market and those who do not have employer-based coverage to gain
Marketplace coverage. I also assist with providing additional referral services
to help those who can’t obtain coverage or need help with prescription drug
coverage.
What do I offer to consumers? I provide guidance
and counseling to the general public regarding healthcare options available. Healthcare
is usually prohibitively expensive not to have some type of coverage. So,
someone needs insurance or healthcare coverage to see a physician, have lab
tests, obtain medication, or receive surgery I can inform them of the options
that are available and help them choose a plan that best fits their needs. I
assist in the selection and enrollment process. I am compensated by the
carriers, so I do not have to charge for my services.
Who do I offer my services to? I offer my services
specifically to Medicare beneficiaries regardless of age. I specialize in dealing
with those who are turning 65 years of age and have incomes of less than
$30,000/yr. I also can assist those with higher incomes in choosing an
appropriate plan. For those who are not Medicare beneficiaries, my target
market includes those who are earning above the Federal Poverty Level (FPL) for the
number of members in their household. They must have an income above the
established FPL amount and not have access to employer-based coverage. The general
service area includes Orange, Osceola, Seminole, Lake, Brevard, Volusia and
Polk counties. However, the entire state of Florida is effectively my service
area.
Why do they care? When someone is sick, they need
medical attention. Usually, the cost of treatment not important in relation to
the need or demand of treatment. However, without proper coverage most
providers will not treat an individual and the emergency room is the last
option available. Since emergency rooms (ERs) are not designed to be primary care facilities, the
cost to use them is exorbitant. Proper treatment for most conditions requires
having a primary care physician and access to labs and diagnostic services. These
services are expensive, and the average consumer cannot afford to pay the
out-of-pocket costs. Therefore, health coverage is necessary to afford the
costs involved.
What are my core competencies? My core competency
is compassion. I want to see people experience the best possible health
outcomes. Secondly, I do have a broad knowledge base concerning how the
industry works and I am able to explain complicated concepts in a very simple
and easy to understand way. I consider myself an educator, and I desire for the
consumer to gain as much knowledge as possible so that consumers can take
responsibility for their own healthcare and work with providers to obtain the
best possible outcomes.
My approach to help the customers is going to work. The
reason I am confident that I will succeed is because I am already having
success putting my ideas to work. I need to improve core systems such as customer
relationship management, target marketing, strengthening compliance policy and
putting accounting systems in place. I really need to assess future sales goals
and map out a plan to reach them. Also, I am working strenuously to become more
informed about the actual process of healthcare and how it works from the
consumer, carrier, provider and governmental perspectives.
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