Insurance and navigating the ACA
For you, your family, and your well-being.
I haven’t been in the insurance industry for very long,
but I have learned a lot of things in my short tenure. The
most important thing I have learned is that an insurance
agent, broker, producer, whatever you call us, is a
resource that the average Joe just doesn’t know is
available to him.
I got into this business because the job I was in was
changing in a way I didn’t like. The ability to help my
customers was being stripped away in the name of speed. I
was asked by my husband “What is your WHY, why do you do
what you do?” I help people, I grease the skids, I answer
questions, I problem solve and I’m good at it. Insurance,
specifically Health Insurance and Medicare, were a sweet
fit. Now I can help people again. Every day I have the
chance to make a difference in someone’s life, get them
health insurance they never thought they could afford and
finally see a doctor, or help them take the next big step
into their retirement by helping them with their Medicare
questions and enrollment.
I am there to be the advocate of the client. If someone
is frustrated, or angry or confused, I have the training
and experience to help. As an agent I will do the heavy
lifting for my client. I’ll wait on hold with Social
Security or the Washington Health Exchange or whomever,
for 3 hours so you don’t have to. I’ll call the
billing department of the local hospital to find out why
you got a bill for $700 when it should have been a $10
copay. I’ll call the insurance company to help appeal a
denial on a procedure that you desperately need. Agents
know the questions to ask and we’ll ask everyone necessary
until we get what we need. We’ll do what it takes to make
sure you have the answer to your questions.
An insurance agent is a person who works for a client.
Why, you ask, is an agent even needed today when you can
just pop on the internet and buy a policy direct from the
company? Because the company is there to sell you the
policy, not to explain the little details about the
coverage or answer all the weird questions about your drug
formulary, or go over the difference between the
deductible and the out of pocket max, all that stuff. That
is what the agent does. That is what I do.
And you know what? We don’t charge for our services.
Our clients never have to write us a check. If we get paid
for the policies we write, it’s a commission from the
insurance company. Not cash from our clients, and honestly
I like it that way.
I’m Suzie McColm, I’m an Insurance Agent. I
have answers and I’m here to help you.