The Best Health Insurance Telemarketing Script

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Developing a working script is one of the essential elements of any health insurance telemarketing strategy. While many companies that provide telecommerce have scripts available its advised that you create your own script, at least as a reference so you are getting the qualified prospects you want. There are many reasons behind this including:

  • You understand your prospects and their needs much better than another script creator ever will.
  • General scripts might have been used by the competition and potential customers could have previously heard them.
  • The script will be designed to generate qualified prospects you want, and will not include extra questions which are irrelevant to your needs.

Even though it is important to use a script made just for you there are a number of approaches that can be used to enhance sales.

  • Uncomplicated scripts are generally the most effective telecommerce scripts. The prospect has to know why you're calling and why they should be interested within several second of getting on the phone.
  • Get to the point promptly, do not go with your entire sales pitch on a cold call, stick with the essentials.
  • Keep the goal of the call in mind when creating the script. If you are generating a lead or setting an appointment that should be the objective of the call. Nothing else should be included.

Here is a basic script outline you can follow:

Hi, This is NAME with XXX Insurance Company and we are a local health insurance broker here in your city and we specialize in saving individuals like you a lot of money and improve your medical coverage. With all of our plans you get to keep all your current doctors!

Rebuttals to common questions:

  • This is not a sales call, we just want to verify some of your information and get out a free quote that can save you money on health insurance.This will only take a couple minutes and could save you thousands of dollars.

I just need to ask you a couple quick questions so we can make sure you are qualified and get you out the lowest rate quotes with the best coverage possible:

  • Are you currently insured?
  • (If yes) who do you currently buy your health insurance from?
  • What is your age?
  • Do you use tobacco?
  • Is there anyone else to be covered with you on the quote? (Wife or kids)
  • What is the best email to send the quotes to?

Thanks for your time. We'll have one of our agents call you back with an updated health insurance quote, have a great day!

Once you have your script finished its not set in stone. It can require some changes based on the telemarketer's feedback to get things running smoothly after the calls start to be made. Its also important to write rebuttals for frequently asked questions that callers might be asked.

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Source by John M Tompkins

Health Insurance – Comparing HMOs and EPOs

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Insurance coverage is very necessary for any business, whether big or small as this is one of the best ways of overcoming obstacles which are financial in nature. Employees as well as the business remains well covered with a coverage that is employer based, throughout the year. Health insurance – Comparing HMOs and EPOs is very necessary before deciding on a health plan. If you want to retain all those employees who are skilled and have necessary qualifications then providing them with a health benefit will help your organization a lot. As compared to larger organizations, for small businesses the coverage is comparatively higher. Once you finally decide on the option, you can accordingly invest in a HMO or the EMO that is more suitable for your organization.

Covering physicians and specialists under the heath plan:

Health insurance plans for small business are better known as HMO's or Health Maintenance Organizations. You are free to select a physician providing primary care as well as a specialist or any other group of medical specialized staff, under the HMO plan. However the HMO caters to availability of physicians and specialists from a particular set up only, hence the choices you have are limited to that particular area. Whosoever you may choose, the most important thing is that the specialists and physicians should be covered under the health plan. Different kinds of medical areas are covered like the provision for hotlines for nurses, programs related to wellness as well as care for babies are just a few of them.

When deciding on Health Insurance, comparing HMOs and EPOs is very crucial. Costs of the employer are addressed by the HMO. Many of the procedures that are not really necessary as well as visits to the doctor can be curtailed when costs on prevention are given more emphasis. As compared to the PPO or the Preferred Provider Organization, the HMO is comparatively less expensive. Costs are maintained at lower levels due to the plan being preventive in nature as far as health care is concerned. As far as health insurance for your business is concerned this is one of the best choices you can make, barring the fact the necessary medial assistance may not be sought by employees whenever it is necessary.

Concentrating on healthy lives of employees is very important:

As far as the EPO or the Exclusive Provider Organization is concerned, it is just another heath care plan which is based on networking. It is only within the network that the health care provider is chosen. There could be a time when there is a medical emergency and at such time certain exceptions can be made. The main focus of this particular plan is health and well being of the employees and providing them with medical care which is preventive in nature. It is in between the PPOs and the HMOs that the price range of EMOs fit. In the EMO plan in case services of a doctor outside the network are taken the add-on fee for service has to be borne individually.

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Source by Aanya Silverson

Understanding Policy Clauses In Health Insurance

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The clauses that are related to limitations and exclusions may seem complicated at first but it is crucial to understand these before signing up. There could be some exclusions and limitations that may not affect you or your family at all while some may be important depending on your health history and hereditary family history. So while what is excluded for one person may not make a difference, it might make a huge impact for another. That is why it is important to understand what these are and how they impact and relate to you as an individual and to your family in general.

Exclusions are those conditions or expenses that are not covered by the insurance company. In such cases, the claimant will have to share a pre-specified portion of the expenses in the claim if it should ever arise. Some insurance companies will also impose a sub limit that is within the sum insured overall. Exclusions are those expenses that the insurance company need not pay for. The IRDA has standardized this with a list of expenses. There are also different waiting periods for different conditions.

One of the common exclusions for health insurance are pre-existing diseases. This is because the entire premise of insurance is based on uncertainty so if there is a disease that you are already suffering from, it will not come under the insurance. Usually, you can get insurance companies to cover you for a pre-existing disease after a specified waiting period is over.

Another thing that is excluded is pregnancy and expenses related to childbirth and later vaccinations. There could be a waiting period for pregnancy as well, after which there are some benefits that could be availed. Other things that are excluded from a health insurance policy are cosmetic surgeries, dental surgeries, alternative treatments such as Ayurveda and homeopathy, etc.

Sub-limits are another factor which should be carefully looked into at the outset before investing in an insurance policy. A sub-limit is related to exclusions that are associated with doctors' fees, ambulance costs, rent for hospital rooms, etc. Knowing your sub limits keeps you prepared in case of an emergency so you know exactly what will be covered and what you will have to pay for out of your own pocket.

There are policies which seem to have a whole list of exclusions and sub-limits and there are those that have a moderate amount of them. Knowing what is The So excluded and what is not will help you make a better Decision Which the regarding health insurance to choose. This can be done easily by doing a systematic and meticulous comparison of health insurance policies taken from different websites or from the agents directly. Knowledge is power and knowing this beforehand helps you in better planning your future and that of your family.

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Source by Amar N Tyagi

Dental Insurance Vs Health Insurance

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If you're old enough to have been employed in the 1960's, you might remember when your company began to provide dental insurance as part of your health benefits package. Like many consumers, you may have thought-and perhaps might still believe-that your medical and dental coverage were similar, but that is not the case. Understanding the differences between these types of insurance can be a vital tool as you continue to seek the highest quality, lowest cost oral care.

General Medical vs. Oral Health Concerns

To understand why health insurance and dental coverage are different from each other, it is helpful to think about the nature of the problems each addresses.

Most non-dental, medical conditions we encounter can not be predicted, and can be considered uncertain or random. Quite often, their occurrence results in significant and even catastrophic expense. Take a look at an itemized hospital bill or a receipt that shows how much your insurance covered when you needed an MRI or extensive blood tests, and you will understand just how quickly health costs can spiral out of control, as well as the key role insurance coverage plays in cushioning many of us from bankruptcy.

Contrast these health problems with dental issues such as tooth decay and periodontal disease. While oral diseases can be found in people from all walks of life, races and creeds, their prevalence has markedly decreased in recent years. This positive trend is due, in part, to community water fluoridation, as well as to the fact that more people are seeing the dentist regularly for preventive care. But unlike many health problems that may disappear unexpectedly, dental problems such as tooth decay and gum disease only worsen over time, resulting in extensive and costly care.

How the Dental System Structure is Unique

Interestingly, the average per person expenditure for dental care in 2002 was $ 513.06, compared to $ 3,302 per person in the same year spent for standard medical care.

These figures suggest that these systems operate very differently from each other. Technological advances in the field of dentistry have enabled oral practitioners to be more efficient and to bring their costs down. Innovations in standard medicine, however, tend to result in higher costs.

When you visit your dentist, he or she can address most of your needs right in his office. In fact, 80% of dentists are general practitioners, with specialists like oral surgeons making up the other 20%.

This stands in direct contrast to the medical profession, where specialists comprise 80% of the field. In addition, most if not all of the dental care you ever receive in your lifetime will be on an outpatient basis, whereas a good portion of general healthcare takes place in hospitals or other in-patient settings. Finally, a much lower percentage of dentists are allied into larger groups or partnerships than are doctors. All of these factors combine to separate dentistry from general medicine.

Dental Insurance vs. Health Insurance

There is one final factor that sets dental care apart. Because most oral conditions are not of a life-threatening nature, you as the patient can have the luxury of time and choice. You can go online and consult family and friends or get a second opinion to find the dentist who will best meet your needs.

This time to shop around for oral care could give you the chance to research helpful coverage options known as discount dental plans. These alternatives to dental insurance enable a patient to save significantly because large groups of dentists band together and offer quality care at reduced prices. Insurance has come a long way since the 1960's, and obtaining the coverage that will save you the most money for the best care is one of the best things you can do for yourself.

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Source by Susan Braden