1. KNOWLEDGEWhen you require legal advice, you contact a lawyer, and when a health issue arises, you visit your doctor, so when you need assistance with your insurance coverage, you need to use an industry expert. In addition to having many years of experience in the industry, independent insurance agents work with many different insurance companies and are knowledgeable about their individual strengths. Although one insurance company may provide unmatched claims service, another may offer more competitive rates. Based on what is most important to you, an independent agent will find the best match for you.
2. CUSTOMER SERVICEIf you have coverage questions or worse, need help with a claim, would you rather reach an automated recording or an actual person when you call? More and more companies have switched to automated systems, often making it difficult and time consuming to reach the right person. However, at many independent insurance agencies, an actual person will still greet and assist you.
3. PERSONAL SHOPPERSWorking with an independent insurance agent can be compared to having a personal shopper. Similar to the way in which a real estate agent sorts through properties to help you find your ideal home, an insurance agent reviews many different insurance companies’ rates and coverage options to help you secure policies that best suit your needs. You may believe that this comes at an additional cost to you, but independent agents do not add extra charges to insurance companies’ rates. So you can choose to work with an independent agent, who will handle your coverage needs, assist you with claims and answer any questions you may have, from billing issues to coverage concerns, always advocating on your behalf, at no additional cost to you. 4. UNDERSTANDINGIndependent insurance agents understand that insurance can seem complicated and confusing, especially when you don’t deal with it on a daily basis. For this reason, your insurance agent will work to ensure that you fully understand your coverage, from what is and is not included, to the deductibles, coinsurance and copayments. After you purchase your policies, an independent agent’s work isn’t over – instead, we are available year-round to help answer your questions, update your policy and make coverage recommendations. 5. REPUTATIONReputation plays a crucial role in finding a company you can trust, and many independent agencies take pride in the years, if not decades, they have spent serving their local communities. Not only can a company’s many years of service speak to its well-established reputation in the community, but it can also help you feel confident about its financial stability. Although there are many different ways to obtain insurance, would you rather obtain a quote from a startup Internet-based insurance provider that advertised on television, or call a local agent who your friends, co-workers and neighbors could recommend? 6. PROTECTION & PEACE OF MINDAbove all, working with an independent insurance agent will provide you with peace of mind, knowing that when you save money on your insurance, it won’t come at the expense of comprehensive coverage. When it comes to protecting your home, family, business and other invaluable assets, relying on an independent agent you can trust is a great place to start.
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Blue Cross of Louisiana's Blue365 deals include big savings on items you use every day to stay healthy. As a member of Blue Cross and Blue Shield of Louisiana or HMO Louisiana, Inc., you can get deals like this one from Tivity Health Fitness Your Way and Fitbit. $29 Monthly Fee for Access to Network of 10,000+ Gyms NationwideTHE OFFER: $29 Monthly Fee for Access to Network of 10,000+ Gyms Nationwide and Discounts With Over 20,000 Health and Well-Being Specialists Whether your goals are physical, such as losing weight and maximizing energy, or emotional like dealing with stress and improving your mood, Fitness Your Way can help you meet your goals, on your budget and do it all on your own time. Fitness Your Way offers access to nearly 10,000 different fitness locations for just $29 a month, as well as other health and well-being specialists and discounts.
Join Fitness Your Way now and get a Fitbit device at more than 30% off.Fitness Your Way offers flexibility, affordability and convenience, with 10,000+ fitness locations nationwide. And now, new members have access to a selection of Fitbit devices at big savings. Follow these steps to enroll online and receive a discount on a Fitbit device:
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We are happy to let you know that Blue Cross and Blue Shield of Louisiana and HMO Louisiana, Inc. members now have 24/7, 365 access to U.S.-trained, board certified doctors with BlueCare, the Blue Cross teleheath service. For the past few months, doctors have only been available at certain times on BlueCare. Now care will only be a click away, anytime day or night. Here's how to sign up for BlueCare:
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