January 1, 2010

Q: I am a licensed agent in the state of Florida and was looking for coverage for a college student that is insulin dependent. I happened upon the Med save website, ran a quote with Core Health plans, will this work for this 20 year old and if so will I get paid commissions or is this consumer purchases only?

A: Core Health is a low cost insurance plan available to an insulin dependent college student but this is a limited benefit plan that uses a direct online enrollment without and agent. Insurance agents typically recommend major medical insurance that offers ore protection at a higher price. The best value your could offer would be to allow your client to enroll for Core Health online on his own and then work with him or his parents in addressing the long term financial risks faced by an insulin dependent diabetic. See the article "Health Insurance for Diabetics" for more discussion on this niche of financial planning.



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