We strongly suggest submitting a minimum of two
or more carrier application choices through our "competition model".
Once we receive your applications, we review them for anything that
could cause a delay or raise a red flag. After proofing, we meet
with the carrier underwriters of your choice, whom we foster
competition between to deliver you the best deal. We're in constant
contact with you, the customer, throughout this process. We will
make suggestions as to which offer to accept based upon your budget
and benefit needs, but you are free to select which policy, if any.
Keep in mind that there are many health plan
choices so it can be easy to get overwhelmed. To simplify your
shopping process, I suggest looking for the RED 5 STAR marks I
placed next to the best overall quotes that hold the most value.
This indicates plans that have immediate copays where deductibles
are for hospital charges only.
Enter our quoting engine and provide some quick
and basic information to see a list and comparison of both price and
benefits for Utah residents.
<Enter Here>
Individual health insurance policies issued by carriers are
currently allowed by the state of Utah to decline coverage based
upon medical risk. Keep in mind the reasons vary. It is ok to
confide and ask us questions before applying. Email us any concern
or question you have <Enter
Here> REMEMBER, we guarantee access to a health insurance policy
irregardless of your medical conditions. We work with you on
affordability and coverage. We are here to help you find the
best deal and a carrier that wants to insure you.
Three very simple reasons not often considered by online
shoppers.
(1) We actually meet with the underwriters of the various
carriers we work with (See Home Page). We have worked hard at
cultivating relationships that benefit you. There is no comparison
between representing you in person and making you "real" in person
to an underwriter. Other websites that are not off iced in Utah do
their underwriting electronically and don't have a vested
relationship with underwriters. These types of websites are easily
recognizable when they boast about the large numbers of policies and
clients quoted. Don't become a faceless statistic with those
types and consider the value of dealing locally.
(2) Your chance for mishap and non personalized service is an
obvious issue when deciding between a "local" quoting service
or "non-local" one. We care about our clients and are
locally involved with the community. By dealing with us you only
talk to one person throughout the underwriting process. We
spend as much time as it takes to help you understand your policy
and get you approved. Even after your purchase, you call us if
you have any problems or need help. You only have to talk with one
person rather than 10-15 to get results and answers. We
guarantee you efficient local service with resolution to any problem
you have! You have to be located in Utah to offer that to
clientele.
(3) We are actively involved with continuing education and
underwriting training meetings with the local carriers here in Utah.
This is paramount when delivering to you the latest updates and
changes. These meetings are often unscheduled and we have to
be present to weigh in on issues to benefit you, our client.
Non local websites are simply notified 90 days after the fact a
decision is made they are bound by it. That potentially leaves your
coverage outdated when you don't deal locally.
These carriers that we perform field underwriting for, do value
our services strongly enough to compensate us directly at no
additional cost to you. We are more efficient at analyzing
your needs and responding to you directly to deliver you personal
service. Consider us your personally paid chauffeur to
navigate you through a complex world of health insurance in Utah!
Our system is extremely efficient. We boast that our turn
around time from application being received to Ids getting mailed
out range from 10 minutes to a maximum of 5 days depending on the
carrier (Assumption is you have a normal health
history).
For folks that have a challenging health history. To secure
insurance could take up to 10 days (mostly due to
time of obtaining medical records).
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