07Apr

How To Manage A Client’s Expectations With Health Insurance

For several years health insurance advisors have been struggling with figuring out ways to get new
clients in and keep them happy despite the rising costs in health care coverage. The industry continues
to grow and get more expensive, and services and products might not be available for some time. As the
providers you work with want you to increase the number of customers they are carrying, you need to
know how to keep those customers well managed so that they continue to renew their coverage.

Most people get their health insurance through their main employer or through Medicare. However,
that still leaves millions of people who have to get independent coverage which requires the help of a
health insurance advisor. The roll an advisor plays is to help find the most affordable plan that offers the
coverage the person wants while coaching them on the benefits and options available to them. While
you may not have a lot of contact with them throughout the year, the stronger you build that
relationship, the easier it will be to get them to renew.

Why People Get Frustrated With Coverage
The most common reasons why people get upset with their coverage is because of the costs and
limitations of their plan. A simple consultation might cost hundreds of dollars, or they might have to use
different doctors or facilities because of who is available within their network. It is also at the discretion
of the insurance company if they want to offer coverage on a certain treatment or medication to an
extent. Knowing all of that it's easy to understand why people would get frustrated with their insurance
provider.

Part of the real issue here has to do with communication and education. Were people actually told what
their plan covers and how it will impact them, as well as any changes that have been made to their
plans? Or have they simply been told a lot of confusing information and then their standing there
surprised when the cost for their health care is far higher than they expected?

How Can You Help
Imagine a patient who goes to a specialist once every three months for a very quick and simple
procedure. The patient is not put under or given any sedatives of any kind. At one point, the insurance
company covered that procedure. At another point the insurance company stopped covering that
procedure and forced the patient to cover the costs without giving them a notification of the change of
coverage. Even if the company did make an attempt to notify the patient about the change in coverage,
more than likely the information was not understood by the patient.

This is an example of how a lack of understanding can create a very frustrating situation. While you
cannot alert every single client of changes with their health care providers policies, you need to try to be
more open in your communication with your clients and allow them to contact you if they have
questions. This may give you the opportunity to help them understand the situation which while it will
not be less frustrating to take on those costs, they will be less frustrated with you.

How Can You Reinforce Your Help
You should not be waiting around for people to contact you with questions about changes to their
coverage. Send out monthly emails or write a monthly blog and let your clients know about these
changes and how it might impact their costs or coverages. If they are routinely hearing from you, even
with the monthly newsletter, they are more likely to rely on you for updated information including what
their options are for getting new coverage.

People tend to spend more money with suppliers and vendors that they can trust rather than ones that
offer the cheapest deal. We know this because we still go to the same person to cut our hair or change
our oil in our car because we appreciate how trustworthy they are, and they appreciate how loyal we
are. Be that person for your clients and they will show appreciation and loyalty for years.

Building On Your Efforts
If you are really doing a great job of building your relationship with your clients and keeping
communication open throughout the year, then you can expect additional benefits from these
relationships. Consider developing a stronger online presence where people can learn about the services
you offer and especially since the quality of the services you are giving them. Health insurance is a major
expense for everyone, and it cannot be overlooked.

If people feel that they can communicate with you and ask questions, especially if there are sudden
changes to their coverage, it builds a confidence and trust in you that will lead to a stronger presence
among those looking for new coverage. When you are seeing new business come in by way of referrals
from current clients, you know that the extra effort is working. And networking and referrals are much
more affordable and easier than any other form of marketing.

Take some time to make notes about your last communication with each client. Was it just to get the
deal done? Was it a random message about some new update they probably will not care about or
something they probably wouldn’t understand? Or did you take the time to really put together some
informative content that will help them get the information they need to make the best decisions for
themselves moving forward? Your experience allows them to be confident in their selection and being
there throughout the year is the easiest way to get a renewal for another year.

Focus on communication rather than just trying to get new clients. Great communicators are able to find
clients and work quickly because people want to assist them because of the great service they received.
Learn how to communicate with your clients whether it’s with email, text, directly calling them or
something else. Dedicate some time each day to contacting one to ten clients and letting them know
that you appreciate their loyalty.

07Apr

How Insurance Agents Can Affordably Advertise

Advertising for any business is challenging, especially in today’s market. If you want to be aggressive you
have to be willing to pay a lot of money. Otherwise, you need to take a different strategy and focus on
making your marketing dollars work for you. It’s easier said than done and any insurance agent who has
invested in digital marketing will tell you that there are no guarantees, and you cannot be sure what will
work.

There are literally dozens of platforms and ways to market to people throughout the web. Local options
like fliers and billboards can also be effective, but digital channels are so vast that they can be more
challenging to advertise on. That’s because they require a unique combination of high-quality content
and a strong budget.

How People Get Their Insurance
One of the first things you have to do if you are building a marketing strategy is to look at where your
customers or potential customers are going in order to get health insurance. Are they going online? Are
they calling in? Do they search for a specific company, or do they search online for options? What do
they care about the most and what do they struggle with the most?

Knowing where people go to make decisions to buy from you or your competition is the key to being
successful in your marketing. For example, what if people are making the decision based on ads and you
are focused on organic, or the other way around? The lucky part is that almost all methods work
somewhat, but the best campaigns involve a variety of aggressive and passive marketing strategies.

Challenges Of Marketing
While it may sound easy, the fact is that marketing is the toughest aspect of running a business. If you
have no customers, you cannot make a business run. If you have customers but struggle in other areas,
you will not have great success, but you will have a place to start. Here are just some of the reasons why
marketing for insurance agents is so difficult:

Competition: The biggest reason why it’s so difficult for advisors to generate leads is because of
competition. When you have dozens of companies in the same area providing or selling
insurance, it’s easy to see why so people are going to be selective. They must compare options
and see what is going to be the best deal for them.

Cost: Another problem that will keep you from generating immediate traffic and leads is the
cost per lead. Companies are spending hundreds of dollars for new clients and that cost is only
going up right now. Keep in mind, even if you spend $1,000 on a campaign and it generates 10
leads, you still have to consider the cost of the content creation, the team doing the advertising
and more.

Customer journey: The value of knowing the journey each person takes to get health insurance
is important but it’s also difficult. People make this decision in so many ways and focus on how they can lower their costs more than all. That means you may get in the right area and be viewed by the right audience, but if you do not have the best deals, you may not get the call.

Employment: More people are working independently than they have in years. That’s because
that’s the area that offers more financial gain right now than regular employment. When you
are considering the different options people have, many are taking jobs because they offer
affordable benefits like health insurance. If that’s the case, it can impact your marketing efforts
as you are hitting a good audience, but they already get health insurance through their
employer.

Knowing who has health insurance and who does not come down to understanding the options you
have for marketing. If you want to be where people look for new plans, it’s going to cost a lot of money.
If you want to contact thousands of people, it will be more affordable but many of them may not need
your services. Consider making some plans and trying out different strategies as you get going.

Build A Strong Presence
A good place to start with your marketing efforts is with a strong online presence. Remember, if
someone wants to get health insurance and they need an advisor they are going to head to search
engines to find the closest and most reliable person or agency around. You can be listed organically
through a variety of options including local maps and directories. These options are great because they
not only list you as a local vendor, but they allow you to track what traffic you did get and what traffic
you came closer to getting.

If you are still not sure where else to market, consider trying to build a newsletter. The easiest way to
build one online may be through a contest on social media where you give something away in exchange
for contact information. This strategy is affordable and effective, but you have to be patient. People may
not take an action right now but seeing your business every month will get you in consideration when
they do need to purchase coverage.

Invest In Content
Whatever your budget is, a large portion of it needs to go into the content creation areas. This is
important because the fact is that it doesn’t matter how good your strategy is, if you are hitting the ideal
target audience with low-quality content, they are not going to take an action. You need to invest in the
best content you can get and focus on relative information, not just an advertisement about who you
are. Give the viewer something and inspire them to consider you.

Health insurance is one of the toughest things to sell someone on when you consider the fact that they
have so many options to find coverage. Your goal is to provide them with the best service possible and
before you can do that, you need to make sure that you are also working with them to show them why
you are the person for the job. Content is a way to build trust and advertising is a way to deliver that
message throughout the web.

07Apr

Top 10 Marketing Platforms For Insurance Advisors In 2022

Marketing is one of the most challenging aspects of the healthcare industry as insurance providers and
health care providers both struggle to distinguish themselves from the competition and advertise their
products and services to the right target audience. Because this matter has to do with the health and
well-being of people including their personal privacy and information, oftentimes there are restrictions
that make marketing even more difficult in this industry.

For many the biggest challenge of marketing for new clients who are seeking health insurance is to get
people to sign up throughout the year, rather than just at the end of the year or the beginning of it.
Everyday thousands of people sign up for new coverage so obviously there is still a market to go after
throughout the year. The right platforms can help you get business regardless of what time of year it is.
Where Should Insurance Advisors Market

If you were to focus your energy on a variety of platforms that promise to bring your content in front of
a targeted audience, the first question you need to ask is how is that audience targeted? If you are
offering them the service of health insurance, then you need to target an audience that is obviously in
need for better coverage. However, in some cases that person may not need your assistance now but
introducing them to your name and brand could offer you benefits the next time they are interested in
finding coverage. As an advisor you should start marketing on these platforms:

1. Google my business: One of the best advantages of being able to market online is the ability to
have a free listing with googles directory and map section. This allows you to list your business
in your area so the thousands of locals can see the services you offer and how to contact you.
You can easily create an account and begin to track how many online visitors and phone calls
the listing generates for you each month.

2. Google organic rankings: If you have a website, you may consider going after some organic
rankings. Studies have shown that experienced consumers who know how to use search engines
will sometimes bypass the maps and paid ads and focus on organic rankings to determine which
vendor they will go with for the service or product they need.

3. Facebook: The largest social media platform in the world is still one of the strongest to advertise
on if you are offering a variety of services including health insurance. Facebook's audience is a
bit older, but they are also more focused on the content they are viewing, especially written
content. This is where a strong headline and a well put together article or blog can grab
somebody's attention.

4. YouTube: The second largest search engine in the world offers you an opportunity to showcase
your personality and knowledge on the subject directly to the viewer by creating and posting
videos. The advantage is that you can add descriptions to the videos that allow you to come up
in searches that are relevant to important topics including health insurance and Medicare.

5. Email: More than likely you are gathering the contact information of your current clients and possible leads. Add every single person to your mailing list and make sure that you are sending emails out at least once a month but try to stay away from promotional content. Offer advice on staying healthy, lowering your health care costs and changes that they need to be aware of.

6. Mailers: Audiences do respond to more traditional methods which includes direct mail pieces to
the person's home or place of work. This type of content should have some type of promotion
or incentive to get people to either call or visit the office if you want it to be successful.

7. Webinars: A great way to connect with an audience and get them interested immediately is to
host a webinar. People can join these webinars and unlike the videos on YouTube they can ask
you direct questions to get important information that they need from a professional. It's easy
to promote a webinar and this might be something you want to do closer to enrollment season.

8. PPC: If you have a budget and can afford pay per click advertising you may want to consider it as
it still generates immediate traffic and potential sales. People who are getting health insurance
on their own for the first time are more likely to click on these ads because it's the first thing
they see, and they want to find affordable coverage as quickly as possible.

9. Instagram: Another popular social media platform is now climbing up the charts as a place
where health insurance advisors and providers can start to advertise. While Instagram has not
been seen as an ideal platform because it usually focuses on content directed towards a
younger audience, because younger people are becoming entrepreneurs or going into work for
themselves as independent contractors, they are needing to find their own source of health
coverage much earlier than usual

10. Display ads: If you can create quality video content you might want to consider using it on
display ads that will show up on a variety of areas including when people are streaming video
content, reading blogs, playing games on their phone or browsing the web.
Ideally, you should invest a large amount of your time and marketing budget into creating the best type
of content you can. You should also dedicate a large amount of your time to developing the content
routinely every week. For example, if you are writing blogs or doing online videos you need to make sure
that you have new content to post every week so you may want to start with creating a batch to begin
with.

If you are producing high quality content and showing people the value of working with an insurance
advisor, these platforms will be great for displaying that content and reaching audiences everywhere.
Some platforms might require a bit of a budget to get going and some may benefit from simply adding
quality content each week. Be patient with this strategy as it will pay off, but it may take some time,
especially if you are working with a smaller budget.

27Jan

How can I become a successful Medicare supplements advisor in Florida?

The primary role of a Medicare supplements advisor in Florida is to help people turning 65 and the disabled under 65 find the right Medicare plan to suit their budget. Learn everything about Medicare and health insurance with the help of JoinHPM experts today!

As a Medicare supplements advisor, you must know the difference between supplemental insurance plans and their coverage details. Building a career in this field will help you build strong relationships and help many people get the right insurance policy.

JoinHPM helps you set up your office, marketing plan, ID cards, and all the logistics involved in running the show as an independent agent. Before you come into the market, you need to undergo strict training with one-to-one sessions with industry professionals.

You can become a successful Medicare agent in Florida if you have-

  • The right attitude, communication skills, and a knack for sales.
  • Good knowledge of all Medicare products, including ones offered by the government and the private insurance companies.
  • A health insurance license, especially a state health insurance producer license, and the right certifications.
  • A clear understanding of the different Medigap or Medicare supplemental insurance plans, Medicare Advantage Plans, and Medicare Part D Prescription Drug plans.

You can become an independent broker selling policies from several insurance providers, or you can choose to work for an insurance carrier selling policies only from a specific agency.

With the help of JoinHPM, you get an opportunity to understand the vital aspects of Medicare policies that will help you become a better Medicare agent in Florida. To know more about the training options and benefits, get in touch with us on www.joinhpm.com or call us on (844) 696-3975 today!

21Jan

How can I get a health insurance agent license in Florida?

Getting a health insurance agent license in Florida requires you to undergo a training program with skilled professionals who are authorized to teach you. To understand everything about becoming an agent, get in touch with JoinHPM experts today.

A health insurance agent license is a must for anyone who wants to sell Medicare and health insurance in Florida and other parts of the country. The primary role of an insurance agent is to sell insurance policies on behalf of the insurance carriers. Agents need to know the difference between all the procedures, their benefits, coverage details, the premium payable, changes in policy details, and much more to sell insurance policies.

As a leading advisory company, we provide you with the right training and approach to help you understand the market better. To procure a health insurance agent license you will need to –

  • Complete a pre-licensing training course that will teach about insurance policies, the state’s laws that apply, insurance ethics, and the type of insurance one can sell.
  • Pay a one-time fee for the examination.
  • Pass a state licensing examination with nearly 70% and above marks. Each state has a different licensure requirement; hence it is essential to consult with advisors to understand the process well.

You may also need to complete the AHIP certification, Errors and Omissions Certificate (E&O Insurance), get contracted and employed with multiple Medicare companies, and maintain your Health Insurance License Continuing Education.

You can opt for classroom training or an online option, depending on your time and availability. But it is advisable to undergo practice under an expert who can guide you to procure your health insurance agent license. To understand more about this field, get in touch with advisors at www.joinhpm.com today.

14Jan

What is the role of the Medicare advisor Florida?

A Medicare advisor Florida has a huge responsibility of guiding clients with the right health insurance options in the market. With JoinHPM, you get an advantage to boost your career and become the ally your customers want. Get in touch with experts today!

We understand the crucial role of a Medicare advisor in Florida and the responsibilities the position brings with it. As one of the leading Medicare plan advisory company, we are passionate about helping you find your ideal career and honing your skills to help clients across the county.

Your role as a Medicare advisor includes-

  • Understanding the difference between the Original Medicare plan, Medigap or Medicare Supplemental Plan, a Medicare Part D prescription plan, and a Medicare Advantage Plan.
  • Advising clients of the significance of enrolling under different plans, if required, along with the benefits and coverage details.
  • Ensuring that the plans chosen by clients fit in their budget without burdening them in the long run.
  • Knowing the local demographics, hospitals, private clinics, and physicians in the state of Florida.

We provide you with on-going training and support you with all the logistics required to become an independent Medicare agent in Florida. As a specialist, you must be present for your client over a call, in person, or even a video call. We make all the arrangements that support you to manage your job and boost your career ahead peacefully.

We help all our advisors be paid directly by the insurance carriers for most of the contracts, eliminating delays in commissions. If you wish to become a successful Medicare agent in Florida, get in touch with experts at www.joinhpm.com today!

13Jan

How much salary does a health insurance agent earn annually?

The salary of a health insurance agent in Florida differs from the person’s expertise to the table. An entry-level agent will earn lesser than an experienced one. To understand the difference, make sure you stay tuned till the end.

We have heard several myths and speculations regarding the salary of a health insurance agent in Florida, and other states. While there may be a difference in the salary range; however, the wage is nearly in level with the current market rates and cost of living. Before you jump to ‘how much can I earn?’, let us understand a health insurance agent’s core responsibilities and qualifications.

  • You need to have excellent interpersonal skills with a flair for communication.
  • You do not need to have a formal college degree.
  • You have to undergo the pre-licensing program and earn a legal license before applying for a health insurance agent job.
  • Your knowledge of all types of insurance will be a boon and help you deal with clients better.

Some of the benefits of a health insurance agent may include 401(k) matching, disability benefits, work from home, vision insurance, paid time off, health insurance, and much more. Your employer will give you a better understanding of all the benefits, if applicable.

However, your salary as a health insurance agent may vary between $40,000 to $75,000 per annum in Florida. The average base salary is around $55,000, but it needs clarification by the company. The examinations and licensing and background checks make it tough to get through as a health insurance agent.

Boost your journey and answer any salary query as a health insurance agent right away. To know more about our services, give us a call on (844) 696-3975 or visit our website www.joinhpm.com today!

12Jan

What are the core responsibilities of a health insurance agent Orlando?

As a health insurance agent Orlando, you have a huge responsibility towards the community and helping the ones who need to make the right insurance decision. With the proper guidance from JoinHPM, you can now make a difference to everyone around you.

Health insurance agent in Orlando is licensed to sell health insurance policies to individuals of any age group. As a healthcare agent, you will be required to-

  • Develop relationships through prospecting.
  • Guide buyers with different types of insurance policies available in the market.
  • Present a clear difference between the Original Medicare offered by the government and private companies’.
  • It includes having excellent knowledge of Medigap (Medicare Supplemental Insurance Policies) and Medicare Advantage Policies.
  • Abide by the procedures and rules of Assurance, state, and regulatory bodies.
  • Calculate premiums for the client, monitor insurance claims, maintain a database of all information, and help clients settle any insurance claims of their policy.

health insurance agent’s job description involves generating revenue or making profits and building lasting client relationships. Your job description will also include-

  • Meet monthly sales targets.
  • Upgrade your knowledge via training and the latest updates in the health insurance sector.
  • You may also (optional) require a high school diploma or a bachelor’s degree to start your career.
  • Great communication skills.

You must not have a formal degree to become an insurance agent; however, you will need to complete pre-licensure training to develop core competencies and acquire a legal license before starting. If you wish to make a mark in this industry, let us help you understand everything about a health insurance agent in Orlando by clicking www.joinhpm.com today!

11Jan

6 Top Qualities That Make A Good Medicare Agent.

Medicare agent is knowledgeable and showcases a sense of responsibility and empathy towards all their clients. If you wish to become an agent with JoinHPM, get in touch with our advisors today.

Suppose you have ever contemplated becoming a Medicare agent or wondered whether this career is the one for you. In that case, you first need to understand qualities that are relevant to this profile.

It is not an easy job; however, its share of positives is highlighted further with your attributes. The top 6 qualities that you need to become a good Medicare agent include-

  • People skills- When you put the client first, you automatically gain your client’s trust, making it relatively easy for you to wade the waters.
  • Communication- It is the most crucial factor in any customer facing industry. Good, clear, and concise communication ensures customer satisfaction.
  • Empathy- When you can empathize with your clients and address their pain-points without disrupting their routine, you earn a follower and an admirer.
  • Product knowledge- It is essential to have product and service knowledge to become a good Medicare Agent. From the insurance plans to the companies that provide them, every small detail matters during negotiating a deal.
  • Honesty- Being honest with your clients goes a long way in building lasting relationships. Telling the truth upfront about any discrepancies or any plan that is not fit for the client will also help you repeat business.
  • Technical knowledge- While it is crucial to know all details of any product, understanding all the product’s legal and tax aspects is also essential. It will help clients plan their budget and help with their finances as well.

Make the most of your career as a Medicare agent by joining www.joinhpm.com today!

08Jan

What is Medicare plan assistance, how does it work?

Medicare plan assistance helps your clients choose the right Medicare policy that works in tandem with their Original Medicare Part A and Part B plans. If you wish to impact the way residents look at Medicare policies, get in touch with our consultants on JoinHPM today!

Medicare plan assistance becomes very crucial for someone nearing 65 years of age. With rising expenses and confusing options, they need the right person to guide them in choosing the plan that works for them. Whether it is enrolling under Original Medicare Part A or Part B or adding supplemental insurance plans, there is always a need to seek the right advisor. And that advisor can be you.

As the health insurance company continues to grow at a staggering rate, you need to be on top of your game and understand the market better than your competitor. With the help of Medicare plan assistance you can not only get better clients, better revenue, but a consistent working environment that will help you generate new business.

JoinHPM has been catering to requisitions in the Health Plan Markets for the past decade. With us, you get a chance to grow faster, grow in this field, and generate faster results. We help you with a personal website, CRM software tools, lead programs, mobile digital tools, personal coaching, customized marketing, client management assistance, payment processing, and the latest market trends.

We know the importance of having back-end support in creating a valuable and lucrative business. JoinHPM offers that assistance, including field support advisory. We help you devise appropriate ways to approach prospects, develop a cohesive prospecting strategy, and much more.

To know more about Medicare plan assistance, get in touch with us on www.joinhpm.com or call us on (844) 696-3975 today.

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