Tuesday, November 16, 2010

How On Hold Marketing Messages can help your business

Most people agree that silence is not what their customers should listen to on hold. But if that’s
where your on-hold strategy ends, your business is missing out on a huge opportunity. On-hold
marketing messages
are the most cost-effective tool in your advertising arsenal. And with a little
planning and creativity, you can speak to your callers—your captive audience—in a way that’s as
effective as it is affordable.
Because many businesses are hesitant to admit that they sometimes have to place customers
on hold, on-hold messaging has a negative connotation. Consider this: if you prefer not to put
customers on hold, what could your business gain by improving customers’ on-hold experience?
You could rely on a more generic message, such as "Thank you for your patience. Your call is
important to us. Someone will be with you right away."
Or, you could use your customers’ time on-hold to give them valuable information they need to
know. Almost every business can benefit from on-hold messages, even if the message
campaign is not based on selling information. Because the caller has already contacted you,
they’ve demonstrated their interest in your services. You don’t have to “sell” them on the
benefits of the company they've called, and can use that opportunity to share valuable tips,
inform them of new products and services and more.
On-hold messages can focus on customer service topics, or even facts and statistics that are
entertaining and informative. Remember that you have a captive—and usually agreeable—
audience. With that in mind, the on-hold opportunities are as diverse as your clientele is large.
The Top 5 On-Hold Messaging Secrets
You have America’s largest captive audience…they’re on hold, they’re listening!
You have a targeted demographic and can be assured that virtually every person
placed on hold is someone you want to talk to.
Direct mail gets ignored and radio and TV ads go out to thousands of people who may never have a need for your service.
You can promote specials easily. Try using a feature like “When we return to the
line, ask us about our (discount on tire rotation and oil changes). You’ll be surprised
by how many people are listening!
Contact American On Hold today, so you can entertain potential and existing clients while you educate them on your
company. Promote the “I didn’t know you did that!” aspects of your business. Up-sell!

Monday, November 15, 2010

Tips about California Individual Health Insurance, Before you Buy

We are a health insurance company that provides Medicare Advantage and Medicare Supplement Insurance in Portland, Oregon. But, we wanted to share some facts about purchasing Individual Health Insurance in California.

Are you a resident of California and looking for the right health insurance plan? If insurance benefits are not offered through your employer most likely you now find yourself doing a bit of research on California Individual Health Insurance. With so many health plans available - where do you start? What Insurance Company do you choose? If you are asking yourself these types of questions you are not alone. Use the following checklist to ensure you don't get lost on the road to applying for California Individual Health Insurance.

Identify your need

Choosing the right insurance plan starts with knowing why you need the coverage. Are you looking for catastrophic only coverage? A policy that provides more up front benefits such as office visit co-pays and prescription drug coverage? Or maybe you are starting a family and seek a policy that offers maternity benefits.

Know your budget and what benefits you get for the price

Once you have identified your need you then should take a look at your budget. Many people don't evaluate insurance benefits close enough and end up paying more for coverage than they have to. For example you don't want a policy that offers first dollar prescription co-pays when you are healthy 364 days a year. Strip the plan down a bit and go with catastrophic only coverage. Your bank account will thank you.

When choosing a catastrophic plan take a look at the out-of-pocket maximum. How much risk are you willing to take on in the case of an accident? Once you have an idea of this figure you then can compare different health insurance companies and the monthly premiums vs. out-of-pocket maximums.

If you are the type of person that sees the doctor more frequently and/or requires prescription drug coverage be aware that some of these policies have limitations. Some plans will only offer several office visit co-pays per year. Ideally you want unlimited office visits at fixed co-pay if the monthly premium is reasonable. Prescription drugs are often times assessed a brand name pharmacy deductible in which you pay full price for brand drugs until it is satisfied. If a generic prescription is available you may want to consider it because generally generic Rx are exempt from a deductible and covered right away at a fixed co-pay.

Selecting a policy with maternity benefits is similar to choosing catastrophic coverage. In the case of a normal delivery you can expect to pay up to the policy maximum. This is the general rule of thumb excluding HMO plans that will charge you per day that you are in the hospital. It goes without saying that you will want to choose the maternity plan that leaves you paying the least out-of-pocket.

Understand how effect dates work

An important part of applying for a California Individual Health Insurance plan is determining when you want the coverage to take effect. With an individual plan you have to be underwritten based upon your health history. For a person with squeaky clean health this process can go rather quickly. Approvals can happen the same week or sometimes the same day. It all depends on the insurance company once an application has been submitted. For the individual who has health conditions the underwriting process can take longer due to the insurance company having to obtain and review medical records from your doctor. On the average this can take up to a month and sometimes longer depending on how fast the company can obtain your records.

Thursday, November 4, 2010

Medicare Supplement Insurance Principles Explained

Texas Medicare Supplement
Our Texas Based company specializes in Medicare supplement insurance. This article is informative and not just for Texas Medicare Supplement Insurance customers. We hope that we provided clear information that will address and questions that you previously had about the supplement. 

Medicare is an incredible system of health coverage that is offered to senior citizens each and every day as they turn the required minimum age. This form of health coverage was established to ensure that anyone that is of retirement age and not employed could enjoy the benefits of having health coverage in order to maintain and live a healthy and active lifestyle. The use of supplemental insurance to alleviate costs that are not covered under this plan has become incredible important which requires the knowledge of the important aspects of Medicare supplement insurance.

Medicare medical coverage is known to only cover up to 80% of health expenses that are often associated with this plan. The other expenses that are not covered under this plan are often paid out of pocket by the consumer which could quickly add up to be rather expensive over time Thus, many Medicare recipients often purchase a supplement insurance plan to help cover the remaining 20%.

Fortunately, there has been an increased awareness of these remaining out of pocket costs which has given rise to an incredible amount of competition for this form of coverage. This could also make the decision making process a bit confusing for some. Thus, understanding what this type of coverage is all about helps the decision making process overall.

There are over 12 different types of supplement coverage options available today that all provide varying degrees of coverage. These are labeled A through L and are all priced at different levels. Each level provides a different co payment and premium amount as well as a different level of deductible as well.

One of the more affordable plans that is out there today is the Medicare Select plan. This is a plan that offers very affordable premiums and co payments for those on a very limited and restricted budget. Perhaps the only downside to this plan is that there are only very specific doctors and hospitals that are covered.

A very popular aspect of these types of plans is that there is very little flexibility in how they are constructed. Basically, this means that there truly are very few aspects of competition present which could make the selection process a bit easier. Each provider must offer the same levels and forms of coverage.

Medicare supplement insurance should be purchased within the first six months of receiving Medicare. Basically, this helps to ensure that no one is able to deny coverage based upon pre existing conditions. Thus, remain vigilant and purchase this coverage immediately.