1800insurance CT health insurance Brokerage: Mission Statement

A few years ago as I was contemplating creating a website I almost decided that the big national sites were so much better than anything I could afford to put together that I shouldn't even consider it. Then I did a little research on the big national insurance sites and discovered a few things that moved me in the other direction.

The first thing I noticed was that they often work with hundreds of medical insurance companies. The second thing I noticed was that only a relative few are approved by the Connecticut Insurance Department. In fact, since I specialize in health insurance for my home state of Connecticut, I work with all of the insurance companies that provide individual health insurance to Connecticut residents. Few, if any, of the national sites can make the same statement.

The next thing I noticed was that they were charging the same money for the same companies and policies you could get from an agent like me, but they had no agents -- at least no agents who were likely to remember your name or that were from anywhere close to the Nutmeg State.

I started to think that maybe I could you some advantages you can't get from the big sites.  For example, if you call 1 800 INSURANCE (1-800-467-8723) - 1-203-374-3645 if you are not in Connecticut - , you will probably speak with me or my son Joel, who is also a licensed health insurance agent.

I'll probably remember you if we've talked before and you'll only have to explain your situation once and to one person.

I'm very reachable, once you become a client, you will have my toll free cell phone number to call should you need to reach me when I'm away from my office.

You can't speak with an agent 24 hours a day, but do you really need to?

One of the big car insurance marketers brags about being available 24 hour s day. If you have a car accident you might need a tow truck at 2:00 a.m., but not an insurance agent!  Even if an agent could get a check to you in the middle of the night, what would you do with it? The banks and the body shops will be closed.

If you have a medical emergency in the middle of the night, call 911 and get the care you need. If you want leave me a voice mail at 2:00 am and I'll call you ASAP, but after we've both gotten some sleep.

I hope that you will take advantage of talking with me or my son before you make any medical insurance purchases. This way that we can help you compare benefits and coverage, not just prices.

Do you know which plans cover maternity care better?  How about coverage when traveling or in school out of state? We can answer these questions for you and more importantly, We'll ask you questions. This will often bring up important issues that should be part of your decision-making process.

I hope that you will give and me the opportunity to serve you.  I am trying very hard to give you the advantages of shopping over the Internet, and at the same time, give you the advantages of working one on one with an agent.

When I talk with people about shopping on the Internet, they tell me that they like the convenience, the anonymity and the lack of sales pressure.

When I talk with people about buying from a caring and knowledgeable sales person, they tell me that they like feeling that that they've gotten all the important information even when they didn't know the field quite well enough to ask all the right questions in exactly the right way.

Have you ever had that experience?  I know I've gone into stores with money in my hand, all ready to buy a specific item until someone comes along and warmly and politely asks me a few questions.  A few minutes later, I've walked out with a smile and a less expensive product that's better suited to my needs.  And it was a product I didn't even know existed when I left the house.

It feels good to know that you've been listened to by someone who puts your interest above theirs, doesn't it? I've experienced those moments both as a buyer and as a person who helps other people make ownership decisions. It feels good and it feels good to help someone else feel good.

What I want to do for you with my site and with my agency, is to give you the option of getting as much information as you want or need via the resources you will find on my site, or via email.  This will give you the information you need to make decisions even if you don't feel comfortable seeing or talking with an agent just yet.

However, if you do want to talk with me before you click anything, I'm just a toll free number away.  You can now or aftet you have requested online quotes and emailed me twenty times. 

I've been helping my Connecticut neighbors make good decisions about owning insurance since 1985.  I've learned a lot about insurance. Just as importantly I've learned how to listen to people.  I've learned how to treat people the way I want to be treated when I need service or when I'm thinking about making an important purchase.

I'd love to help you feel good about buying and owning insurance.  Please let me know how I can help you.

Who has the Lowest Health Insurance Prices?

Due to Insurance Department Regulations, in effect in almost every state in the union, your prices will be the same whether you choose to buy through any given web site, agent or broker, assuming that you choose the same company, policy and options.  You will even pay the same rate when buying directly from an insurance company.  In another words a Celtic policy may be less expensive than a Blue Cross policy, but as far as price is concerned, it won't matter from whom you purchase your Celtic policy.

The only way to be sure you are getting the lowest price isnto work with an agent like myself who works with more companies (We work with all of the non group health insurance companies that serve Connecticut) and who can give you good advice on which policies and options will work best for you and your family.

No one health insurance company is best for everybody and every situation

This is why working with an unbiased broker works so well.  If you talk to an employee in the sales department of Aetna, Blue Cross Blue Shield, United Health Care or Connecticare Solo, are you likely to have that employee recommend one of the other health insurance companies?

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Blue Cross Blue Shield health insurance questions?  Call me, I specialize in health insurance and can give you quotes from every Connecticut health insurance company.

Alston J. Balkcom
Connecticut Licensed Insurance Agent since 1985

“My son Joel Balkcom and I look forward to answering your questions”.

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Anthem Blue Cross Blue Shield Logo. Offers optional maternity insurance.  An excellent high quality company with providers in all 50 states. Aetna Logo. Great for moderate deductible health insurance plans with low co-pays Celtic Logo. Connecticare Logo. Offers optional maternity insurance.  A high quality company.