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LONG TERM HMO PLANS

Additionally, the agent may have a professional designation such as CLU (Chartered Life
Underwriter), ChFC(Chartered Financial Consultant) or CFP (Certified Financial Planner). Agents who participate in these organizations and have one or more of these designations typically adhere to a higher standard of ethics and education and are more likely to give you high quality service.

Notice if the agent asks the right questions. Without knowing your financial circumstances and health status the agent cannot possibly provide you with the best choices. A competent agent, should be able to show you what the premium would be from several companies for benefits that fit your needs and that you can afford.

A good agent will not just sell you a policy but will be there to help you when you have questions, need to make changes, or have a claim. Make sure that the agent you are working with has a good history and track record in providing on-going services to his/her clients. Don’t be shy about asking for references. You can also check out an agent by going to the Department of Insurance web site at www.insurance.ca.gov

Before the agent leaves you should be provided with:

1. Outline of coverage
2. Personal Worksheet
3. The Buyer’s Guide “Taking Care of Tomorrow”
4. The name, address and phone number of your local HICAP office

You should get these documents even if you don’t agree to buy a policy that day.

Choosing an Insurance Company
An insurance company’s financial standing and track record are important in choosing a long-term care insurance policy. Consumers should consider the rate increase data included on this web site along with several other important factors.

Long Term Insurance | Bluecross Long Term | California Long Term Insurance | Kaiser Long Term |

Long Term PPO plans| Long Term Medical plans | Long Term Dental Insurance |

Long Term Group Insurance | Long Term Blueshield | Long Term Health Insurance |

Long Term Health plans | Long Term Health net | Long Term Pacificare | Long Term Medical Quote |

Long Term Aetna PPO plans | Long Term Insurance Quote | Long Term HMO plans |

Long Term Life Insurance | Long Term Dental plans