Dab tsi Ua Tus Neeg Saib Xyuas Kev Pov Hwm Ntev Ntev Zoo?
California Partnership for Long-Term Care
California Partnership for Long-Term Care xav kom cov neeg tuav pov hwm yuav tsum ua kom tiav cov kev kawm tshwj xeeb kom tau txais kev tso cai muag Partnership cov cai. Qhov kev xav tau kev kawm no yog siab dua thiab tshaj qhov xav tau los ntawm California Lub Tsev Haujlwm Saib Xyuas Kev Pov Hwm. Qhov kev txawj ntse ntxiv no tseem ceeb heev vim tias Txoj Cai Sib Koom Tes tau txuas nrog lub xeev txoj haujlwm Medi-Cal. Qhov kev cob qhia ua rau tus neeg sawv cev mus txog hnub hloov pauv rau tsoomfwv thiab lub xeev cov cai cuam tshuam rau cov cai thiab koj.
Txawm li cas los xij, kev cob qhia ib leeg tsis ua rau tus neeg sawv cev zoo. Koj xav tau tus neeg sawv cev uas yog tus mloog tiag, tus kws qhia ntawv thiab tus kws daws teeb meem.
An agent who is a professional does not focus on “selling” you a product. The primary focus is to identify your concerns and help establish your goals and needs. The agent must be knowledgeable about how Medicare, Medi-Cal and long-term care insurance work and be able to clearly explain them to you. As a problem solver, the agent assesses your objectives and financial situation to determine appropriate options for you to consider.
Thaum kawg, koj xav tau ib tus neeg sawv cev uas koj ntseeg siab ua ncaj ncees, tsim nyog thiab ntseeg tau. Tus neeg sawv cev zoo tuaj yeem pab koj tsim lub tswv yim zoo tshaj plaws rau koj qhov xwm txheej thiab ua rau koj thiab koj tsev neeg muaj kev thaj yeeb nyab xeeb.
Xaiv tus neeg sawv cev
Cov neeg sawv cev xa los ntawm cov phooj ywg lossis tsev neeg yog qhov pib zoo. Mus rau ib kauj ruam ntxiv thiab tshawb xyuas nrog Lub Tsev Haujlwm Saib Xyuas Kev Pov Hwm, www.insurance.ca.gov. Nug tus neeg sawv cev rau lawv daim ntawv pov thawj thiab lawv tau nyob hauv kev lag luam ntev npaum li cas. Nco ntsoov tham nrog ntau tus neeg sawv cev ua ntej koj xaiv.
Nug dab tsi
- Dab tsi yog keeb kwm ntawm lub tuam txhab, lawv qhov kev ntsuam xyuas tam sim no thiab lub koob npe nrov?
- Dab tsi ntawm lub cev tej zaum yuav cais lossis txwv cov txiaj ntsig ntawm kuv txoj cai?
- Raws li cov xwm txheej twg lub tuam txhab tuaj yeem thim kuv txoj cai?
- Puas yuav tau txais txiaj ntsig yog tias tus tuav ntaub ntawv tawm ntawm lub xeev lossis lub tebchaws?
- Lub hnub nyoog tsawg kawg nkaus lossis siab tshaj plaws rau kev yuav txoj cai no yog dab tsi?
- Txoj cai no them nyiaj npaum li cas ib hnub rau lub tsev laus, kev kho mob hauv tsev, kev saib xyuas neeg laus, thiab lwm yam?
- Cov txiaj ntsig yuav kav ntev npaum li cas?
- Dab tsi yog qhov txiaj ntsig zoo tshaj plaws ntawm lub neej ntawm txoj cai?
- Lub sijhawm tos ntev npaum li cas ua ntej cov txiaj ntsig pib?
- Puas yog txoj cai no xav kom muaj tsev laus nyob ua ntej rau kev pab them nqi kho mob hauv tsev?
- Lub tuam txhab puas tau nce nqi ntawm cov cai saib xyuas mus sij hawm ntev uas lawv muag?
Yuav zam li cas
- Ib tus neeg sawv cev uas tsis muaj qhov zoo tshaj plaws hauv koj lub siab
- Taub dag thiab hloov tactics
- Xyuas kom tseeb tias koj tus nqi yuav tsis nce ntxiv
- Not knowing a company’s rating
- The pitch that their policy has been approved by the Department of Insurance when it hasn’t
- Lub suab hais tias lawv txoj cai muaj qhov tshwj xeeb 30-hnub tshuaj xyuas thiab rov qab txoj cai (txhua txoj cai muaj qhov tshwj xeeb)
- A marketing tactic called “twisting,” where an agent may present a misleading comparison of policies to make a buyer purchase a different policy
- Cov neeg sawv cev uas ua haujlwm rau ntau lub tuam txhab yuav hais tias txoj cai zoo tshaj plaws rau koj yog qhov uas lawv ua haujlwm tshaj plaws
- Kev kub siab tactics