Where to Look for Health Insurance Quote Online

With power of the internet you can be your own insurance agent. With hundreds of website offering health insurance quotes instantly, knowing which one to choose make a big difference. Knowing which website to go to, to get a quote can be difference between having your information sold all over the internet or actually getting instant health insurance quotes. Most of the websites that claim to offer free health insurance quotes are out there to just collect your information and sell it on the internet. There are ways of determining if you are going to get your instant quotes.

First let’s address specifically health insurance shopping and comparison on the internet. The one main thing you have to know is that in the United States you absolutely cannot find a better deal on the same plan somewhere else. What I mean is if you got a quote for a specific medical insurance plan on one website and you want to see if you can get a better deal for the same health insurance plan on the different website that is impossible. The reason for that is when health insurance company comes out with a medical coverage plan they have to submit those rates with states insurance commissioner. That means that the quote that you get from one website has to be identical to what you would get from another website, or get it from your insurance agent, or directly from the insurance company. The health insurance premiums vary because of the plan design. Things that come in to plan design are, deductible, copays, prescription drug coverage and many other factors.

The number one giveaway if the website you are trying to get a quote from is going to provide you with instant quote or just going to collect and sell your information is quite simple. If you are looking at getting a health coverage quote the only thing that insurance company needs to provide you with accurate quote is your age or date of birth, your zip code, your affective date (when you would like your coverage to start), if you are a smoker and if you have a family (that includes same information for them). If website is asking for more information chances are that website is collecting your information and is going to sell it. Who is it going to sell your information to? Your information is sold to insurance agents and insurance companies. Some website will collect your information and then redirect you to a website that will provide you with instant quotes. In most cases they are still going to sell your information in form of a lead.

Next time you are getting a health insurance quote online look for the websites that are just asking you for the most basic information. If a website is asking you for your address, your weight, your hight then it is for sure a website that is just going to collect your information and sell it as a lead. Good luck with health insurance shopping online for website that provides you with instant quote online see below.

How to Effectively Collect Money – Successful Collectors Practice The 3 “P’s”

Fundamental Reasons Why Health Clubs Ought to Hire Outside Collection Agencies

Health clubs are very popular in our society these days. With much public consciousness on physical fitness and maintaining good health, many people become members of gyms and health clubs to keep fit. Others join for strength coaching, and/or to lose weight.

Along with the huge popularity of health clubs plus physical fitness, also comes accounts receivable problems, due to problematic payments from some club members. Neglected difficult accounts and deficient internal debt collection techniques generally spell cash flow issues for the managers of these health clubs.

There is a tendency to let overdue accounts pile up in the hopes that delinquent members will pay willingly. Plus whereas managers can focus much of their attention on the gym facility and equipment, the cash-managing aspects of the facility, especially having sound and consistent debt collection strategies in place tend to suffer.

Members typically sign an annual or longer contract, frequently along with a price break off of a monthly “pay as you go” kind scenario. As is usually the case, once the initial excitement and novelty of beginning a new regime wears off, plus the real work of maintaining a consistent fitness schedule, some become disillusioned.

Even though bound to a contract, a few can neglect their obligation and stop payment altogether. Several can suppose that in spite of a legal contract, they shouldn’t have to pay if they’re not using the gym’s facilities.

Internal Debt Collection Techniques

It’s very important to employ plus consistently follow an in house strategy for recovering on overdue accounts. In addition to past due membership dues, different fees, like locker rentals, food services, or additional charges can account for delinquent accounts.

One key element to successful debt recovery is obtaining as much personal information on the initial membership application. Ask for social security and drivers’ license numbers, as well as banking plus employment information. This information can be particularly useful should these accounts need to be outsourced to a collection agency.

Early Plus Consistent Contact Is Critical

Once payment is past due thirty days, a manager or another individual  assigned these tasks ought to call the delinquent member to investigate if there’s a problem. Making a friendly reminder call to encourage the member to adhere to their fitness regimen, as well as inquiring when the past due balance can be brought current can rescue a state of affairs before it gets much worse later.

Recognize When To Outsource Troublesome Accounts

A second phone call and/or letter must be sent to the non-paying club member at forty-five days. Time is of the essence, and you can’t afford to let much more time pass without communication. If the issue isn’t remedied, either with having brought the late monies current, or payment measures made, its time to think about outsourcing to a collection agency.

Statistics bear out that past due accounts decrease in value considerably with the passage of time. At forty-five days without contact from the club member, you should be acquainted with if the condition warrants alternative measures. The earlier these difficult accounts are turned over to a collection agency, the better likelihood for a successful recovery.

Collection agencies have the means, experience plus demonstrated strategies to recover on past due accounts proficiently. Cost options include some agencies that charge a percentage of any money recovered. Others provide the possibility of a fixed price, flat fee, that may be very cost beneficial for many health clubs. Plus, the psychological influence of a impartial third party can make the difference with almost all of late bills.