Health insurance plans are a tricky business. For one, it’s not age-appropriate, in terms of client-understanding I mean. Why, because most people, especially at their younger years, would never consider availing one due to the illusion of fitness. I know because the same thing happened to us a few years back.

You see, before we had mateo, I used to believe that nothing in the world can harm me. I was 26 years old when we first attended an orientation regarding health insurance. And back then, I thought that no dreadful or serious-enough sickness can scare me down. Oh boy, was I wrong. The worst part about is, when I found bruises on my body (the sources of which I could not remember getting), mateo was already around. I was so scared not just for me, but for mateo and andrea. If the bruises were caused by some serious condition, I had nothing in my savings account to leave my family behind with in case I met the worst fate.

It was only then that the reason behind health insurance became apparent to me. Health plans are not just for the plan holder, but also for the security of those that he or she loves. These are realizations that do not come easily to younger ones, hence age-appropriateness.

Second, health insurance plans vary in terms of extensions, hospitals that recognize them, monetary compensation, and several other technical details. For people that are not familiar with the inner workings of health plans, they seem to be nothing more than money-making schemes of large insurance companies.

These are the two primary reasons why health insurance plans are generally tricky. These should also be the selling points that health insurance agents use. Those that know these two aspects are the ones that become good agents like Jerry Ballard, the 6-year top insurance agent of Blue Cross Blue Shield NC.

As for me, as soon as I’m financially capable of availing one, I’m getting one with or without agent.