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...l Services Agency of Texas and Ambulance Insurance Services of Texas-after C...en municipalities and a few private ambulance companies. But Regnier says the ...

... year. We generally take three people-myself and two other producers-and that's very expensive. But we've seen a good return on that investment. The people in this field like to see you, slap you on the back and buy you a beer. The best advertising is word-of-mouth, and the conventions are one way to get that. Regnier recently added two more dbas to her agency-Municipal Services Agency of Texas and Ambulance Insurance Services of Texas-after CIGNA opened two new markets: municipalities with less than 10,000 people and privately owned ambulance companies. Nobody wants to mess with small municipalities, but after Glatfelter designed a program for them, ' she says. We think this will let us pick up a few of the fire departments and emergency organizations that have to be insured through their municipalities, too. That ... Regnier. Niche markets require special training, she says, so it takes about twice as long for a producer or customer service representative to become seasoned. Travel and advertising expenses are greater than they are for more conventional property and casualty lines, too. One added expense is industry conventions. Seven years ago, I had no idea what a convention expense was, ' Regnier says. Now, we attend several firemen's and EMS conventions a year. We generally take three people-myself and two other producers-and that's very expensive. But we've seen a good return on that investment. The people in this field like to see you, slap you on the back and buy you a beer. The best advertising is word-of-mouth, and the conventions are one way to get that. Regnier recently added two more dbas to ...

... terms, coverages, and exclusions of any policy or program you are selling thoroughly before making any presentations, or you may call in a Health insurance specialist. Benefits Whether an insured plan, a pre-paid plan, an HMO, or a PPO, an individual Health coverage contract should provide coverage for most of the following, as appropriate for each client: Accidents Alcohol and drug abuse Allergy testing-serum treatment Ambulance and transportation Ambulatory surgery (aka outpatient surgery) Anesthesia Annual physical Assistant surgeon Blood/plasma transfusions Burn ward benefits Chemotherapy Chiropractic (with limitations) Complications of pregnancy Congenital defects benefit Coronary Care Unit (CCU, a.k.a. Coronary Care and Monitoring Unit or CCMU) Dental surgery Dental tumors Family planning benefit Foot care Hemodialysis (limited benefit) Hospital miscellaneous charges Hospital room and board Impacted wisdom teeth Inhalation ... basis if an insured chooses to obtain care from a provider not contracted by the PPO. Underwriting A word about underwriting is appropriate here, because it differs greatly between individual and group plans, between insured plans and pre-paid plans, HMOs, and PPOs. Individual Plans-These are usually very carefully underwritten before contracts are issued. You can expect the prospect to have to variously fill out health questionnaires, obtain attending physicians' statements, and in some instances take physical examinations. Insurers may also obtain information from the Medical Information Bureau (a reporting service) and look at motor vehicle records. Some individual plans will exclude certain illnesses and/or rate up premiums (charge more) in various cases, according to insurers' underwriting and morbidity experience for that illness. Other insurers will not issue a policy ...

...gy testing-serum treatment Ambulance and transportation Ambulatory...