Insurance plans can be complicated. We believe that the licensed agents representing the HealthMarkets Companies provide a valuable service to both prospective and current customers by taking time to explain their coverage choices and what they mean. This personal approach cannot be duplicated online or even over the phone.

Throughout this in-person process, the agents explain in easy-to-understand language what the plan options selected by the customer cover, and just as importantly, their limitations. After the right plan and coverage options are selected, the agent confirms the customer's understanding before submitting the application.

Since 2005, HealthMarkets has conducted a Benefit Confirmation Program to confirm with the customer the health insurance benefits they selected at the point of sale. Under this program, the company contacts each new customer by phone after the policy has been issued. We review with each policyholder the coverage options they selected and provide them with an opportunity to change coverage if they choose. If the policyholder cannot be reached by phone after several attempts, a letter is sent outlining the coverage they selected.

Since the program's inception, the HealthMarkets Companies have logged over 285,000 calls to customers to review and explain the coverage they have purchased. We know of no other company that takes the time to contact customers after the sale to review the coverage chosen under the new insurance policy.

HealthMarkets is committed to working with customers on an individual basis, and providing services that deliver a simplified and satisfying experience. We believe in our products and our customers.