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James Elbert thought his family too odd for inclusion in a health insurance plan. But customizing a family plan for the Elbert’s was quite do-able.

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The Elberts, James, wife Jane, and the kids – Patrick, Jorel, and Wendy – at first glance epitomized the average American family living in La Puente. Dark-haired with pleasant, angular faces, they weren’t ugly; each was well-spoken and polite, although Wendy the youngest was only nine.  On second glance, one noticed that each of them possessed seven fingers on each hand, and if their bare feet were inspected, seven toes on each foot. When 17-year-old Jorel was in an accident at the factory, he proved to be less than a Superman; one of two left index fingers had been nearly severed at the second joint in a slicing machine. At the hospital, Jorel came in with his Dad. The first question asked by an on-duty intake woman seemed like a given, “Do you have insurance young man?” The teenager was lapsing into shock, but managed to look at his father who handled the visual cue appropriately. “No, he doesn’t,” the seven-fingered man admitted. “Why not?” the diligent hospital employee asked, musing about bills never paid when patients prove indigent. When James scratched his forehead in plain view, she considered if she wasn’t being given an extra finger or two. She finally smiled pleasantly when the man assumed responsibility then and there. “I’ll sign for the bills!”

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Jorel was admitted, and the hospital saved his finger.

But this incident gave way to serious soul-searching on the part of Mr. Elbert. “Why don’t we have a family plan?” he pondered. Deep down, he knew. During his otherwise uneventful childhood, James had been told by a wizened grandmother figure living in the home that because he had seven digits on each limb, that he was cursed, and if he ever married a woman with more digits than she was entitled to “by a just God,” then at the very least their family would someday be categorically denied family health insurance coverage. Still, he possessed extraordinary courage and picked up the phone, his fingers like a spider’s legs, and called the first California health insurance agent that came into view.

It was Matt Lockard. After hearing the story, he made his comment succinct. “Wizened grandmother figures always say that in situations like yours. That’s why they don’t sell family plans.”

To learn more please visit: http://www.mattsinsurance4ca.com

Mattsinsurance4ca.com is a licensed health insurance agent in California. They provide instant online quote for health insurance, Medicare Supplements, travel health insurance, and child only health insurance.

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No matter what your family’s size, your California Health Insurance Agent has a plan just right for you.

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Bill and Edna Octavian each came from large families. Raised as friendly neighbors among the majestic redwoods of Mt. Shasta country, Bill was seventh of ten children; Edna was third eldest in an “old-fashioned” family of eleven siblings. When they married as childhood sweethearts in 1986, it was not surprising that Edna was soon “expecting.” Fifteen offspring later, she finally became content just to mother the ones she’d already had. “Cheaper by the dozen,” Bill liked to say, and the first dozen; Cynthia, Edna Jr., Sam, Trevor, Robert, Fred, Karen, Octavia, Peter, Simone, Clifton, and Roger, seemed that way at times, but then along came Paul, Maureen, and Sippy. In fact, it was Sippy’s broken arm (she fell from a backyard redwood while playing “I can see ALL the Octavians!”), that precipitated the discovery: The family no longer had health insurance! They’d had it back in the early 1990s when Sam was still the youngest, but they’d allowed that plan to expire, not giving it undue thought being preoccupied with other matters, and now all these kids later, it seemed that even finding a decent plan suited to their prolific circumstances would prove a task suitable for Paul Bunyan. But how to pay for Sippy’s surgery, there’s the rub. Bill felt overwhelmed and decided to pay the hospital bill out of pocket. But being a mere copywriter at an advertising agency, he suddenly worried about the next time. Fortunately, he knew just what to do. “I’m going to find us a California health insurance agent,” he told Edna. Edna, prone to pinching pennies, in this case unwisely, screamed, “No Bill, don’t do it! What if it’s a long distance call?” But Bill was undeterred.

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A few days later, The Octavians not only had their “king-sized” family plan, as Bill and Edna referred to it, but also a CURRENT and extremely helpful California health insurance agent to call their own. “He’s a nice man,” little Sippy said matter-of-factly, her arm still encased in a cast.

Matt Lockard – California Health Insurance agency offers health insurance plans for individuals, families, and children. Also available are California Medicare Supplement policies. Go to http://mattsinsurance4ca.com to get an instant health insurance quote.

Matt Lockard – California Health Insurance agency offers health insurance plans for individuals, families, and children. Also available are California Medicare Supplement policies. Go to http://mattsinsurance4ca.com to get an instant health insurance quote.

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Fred, living in Santa Monica, was unknowingly paying for maternity coverage. Being single and a guy mattered not due to a clerical error.

Fred, a confirmed bachelor and still single, upon receiving his monthly statement, was shocked to discover that his health insurance premium had nearly doubled one month. Upon further investigation when he called his agent to complain, he learned that for more than two years he’d been paying an extra $104.00 per month, and that this resulted from maternity coverage.

“That should be easy to fix,” he confidently told his agent, “I’m single and a 59-year-old male. When do I start getting the lowered rate, and maybe money returned to me retroactively?”

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“Not so fast,” Fred’s inadequate agent blithely replied, “You failed to correct it.”

“I failed to correct it?”

“That’s right. It’s your responsibility.”

“How is it my responsibility?”

“I can explain it to you.”

“Please do,” whimpered Fred, now shaken to the core of his being after realizing that for two years he’d been categorized by his trusted insurance carrier as having the potential to become a pregnant woman and never so much as eaten a pickle. Recovering a bit of his dignity, he started to become indignant, something that the agent could instinctively sense.

The agent now realized in the nick of time that explaining how the mistake had come to be was not only prudent but the right thing to do.

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“Here’s what happened,” he began blithely spouting, “When you first joined up with this health insurance plan, we sent you a booklet describing coverage in every particular. The maternity coverage clause was mentioned in that. You should have chosen a plan that excluded maternity coverage to begin with. The plan you picked had maternity coverage in case you became pregnant. ”

“But I’m a guy.”

The agent softened a bit hearing that. “You had ten days to examine the coverage. We never heard from you about maternity coverage.”

Fred won’t get his money back but it’s not too late to find a competent California Health Insurance Agent.

Get to know your health insurance agent. Don’t let this happen to you. There are plenty of reliable health insurance agents like Matt Lockard of MattsInsurance4CA.com who have the experience and knowledge to help you find a health plan that will cover what you need and only what you need.

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