A while back I read a post on a blog called ACASignups.net about “how most Americans don’t grok the diff between INDIVIDUAL and GROUP markets.”
There really is a blog dedicated to “Tracking Enrollments for the Affordable Care Act.” Its days are probably numbered.
Nevertheless, I thought the author’s choice of the word “grok” when “understand” would have worked as well or better was a little odd. But interesting.
I looked up the word. Robert Heinlein coined “grok” as a Martian word in his book Stranger in a Strange Land.
Grok means learning something on a very deep level. Martians, in Heinlein’s book, have a spiritual relationship with the water on Mars. So when a Martian drinks water, the water becomes the Martian and the Martian becomes the water. Martians therefore grok water.
Maybe Insurance agents and underwriters have that kind of spiritual relationship with insurance.
They are insurance and insurance is them.
Sounds like crazy talk to me.
Let me be clear. I have nothing against Martians or their language. If in fact they have a language or they exist at all anymore now that all the water they used to have a spiritual relationship with has been frozen for several million years. But I don’t think we should expect consumers or even business insurance buyers to grok any kind of insurance, let alone the finer points of health insurance.
- NOT WHEN only 14% of people understand the four basic health insurance terms: “deductible,” “copay,” “coinsurance” and “maximum out of pocket.”
- NOT WHEN 37% of 18- to 29-year olds think car insurance doesn’t pay if the driver causes the loss.
- NOT WHEN 44% think a red car costs more to insure than a white car.
So if you ever feel like it’s the movie “Ground Hog Day” all over again with some of the articles in your newsletter or content in your blog posts, just remember: Most people not only don’t grok insurance, they don’t even understand it.
If you don’t have a personalized newsletter, isn’t it time?
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