Fundamentals of Writing a Complaint

If you have ever paid good money and received an inferior product or poor service in return, then it’s very likely that you have felt cheated or robbed.

In these situations, it’s perfectly understandable to feel that way but the best way to deal with the situation is not to take out your anger and frustration on the wrong people but to write a complaint letter about the matter and address it to the proper authorities.

Writing a complaint letter is not something that should be done hastily. These letters require careful thought because they have to be written in a professional and respectful manner. You may be livid about the situation but you also have to keep in mind that the person who will be reading your letter probably has no idea about the problem and may not be responsible for the mistake at all.

So what are the fundamental characteristics of a good complaint letter? The following list should serve as a very useful guide.

  • It should be concise. Letters that are short and to the point are most likely to be read and clearly understood than those that ramble for several paragraphs (or pages) before addressing the main point. Don’t mince words when writing complaint letters. Use simple sentence structures and stay away from the big words. Start with a brief introduction, then relay the facts of the matter, then state what you want to happen. If additional information or documents need to be sent as well, do so in an attachment and do not talk about them in detail in the body of your letter.
  • It should be authoritative. This is particularly important for grave complaints or matters with severe financial implications. Your letter should reflect professionalism and intelligence. You can do this by using a well thought out layout of your text and making sure that all your facts have been verified. If you have a letterhead, it would be a good idea to use it because it will add to your credibility.
  • It must be factual. Dates, names, brands, serial numbers and other relevant information should all be included in the complaint letter. Not only will this make your letter more credible but it will also expedite the rectification of the matter because the managers won’t have to waste time searching for the facts.
  • It must be constructive. Some people write complaint letters that are too harsh and accusatory. No matter how peeved you may be at what had happened or at what you had received, it is recommended that you add a positive tone to your letter by being constructive. Perhaps you can make suggestions towards the end on how to prevent the same mistakes from happening in the future. Such complaint letters are more likely to elicit a positive response.
  • It has to be complimentary. Again, people usually respond better to a friendly tone than an angry one so in addition to making positive suggestions, you can think of something nice to say when ending your complaint letter. Maybe you can mention that you had been a loyal customer for years because of their normally excellent service, and so on. If you can’t think of anything nice to say, just use a friendly tone. Let them know that you understand that mistakes do happen and that you are not directing blame on anyone but that you just want to resolve the matter in an appropriate manner.

Complaint letters are usually sent to the customer services division of a company’s head office, especially if the company is quite large. They have people there who can deal with the matter efficiently. Of course, it is also a good idea to send copies of the letter to the branch manager and even to the CEO if you want to get immediate action.


Identifying the Best Medicare Supplemental Plans analysts reporting that in the middle of 2010, several changes have been made to the health plans offered by Medicare.

Because of these changes, private insurance companies also had to make adjustments in the plans that they are selling, the most significant of which is the creation of supplemental plans to augment the coverage of the existing ones under the old Medicare policies.

To date, there are ten different supplemental plans that had been established by Medicare. These plans are labeled alphabetically from A to N, with the exception of letters E, H, I and J, which have been taken out shortly before the changes were implemented. These plans vary in terms of coverage and cost.

In order to help their members choose which supplemental plan would be the most practical, Medicare has presented a list of all these plans and their corresponding details on page 13 of the Choosing a Medigap Policy booklet. However, the premiums of the plans are not included in the chart because these would depend on the insurance company that will be selling the plans.

Criteria for Rating Medicare Supplemental Plans

There are several factors that you should consider when deciding whether a particular Medicare supplemental plan is good or not, starting with the coverage. As mentioned, there are ten different types of plans to choose from, and each of these has its own coverage. The most comprehensive of these plans is Plan F, which covers all that there is to cover.

For certain areas, stating latest news, Plans A, B, C and G also provide full coverage. Full coverage is provided in Plan N as well but this plan requires co-payments for visits to the emergency department, pretty much like a typical employer plan. Plans K and L are quite similar to Medicare Advantage plans in terms of out of pocket limits.

Choosing the Most Suitable Plan

Again, there are numerous factors to be considered when deciding which particular plan would be most suitable for you. If you want the widest coverage possible and you have the money to spend on relatively large premiums, then you should go for the full coverage plan. With these plans, you won’t have to pay anything at all for using Medicare services.

If you do not want to pay a very high regular premium, then you can consider one of the other plans that come with a co-payment system. This means that if you avail of certain services not covered by your policy, you will have to shoulder at least part of the total expense. There is no fixed answer as to which Medicare supplemental plans should get the highest rating for you because in the end, it really is a personal choice. Other than your budget, the factors that can affect your decision include your medical history, your risks of injury, and so on.

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Medicare and Short Term Health Insurance WordPress page report on how can I escape Medicare Supplement Insurance premium rise?

I am going to answer new question about Medicare Supplement as continuation of my last posts. Let’s discuss the possible answers of this question: How can I escape from increase in Medicare

Supplement Insurance premium?

Your selection of Medicare Supplement affects the frequency and magnitude of premium rise. But, it’s inevitable to escape some yearly premium rise.

There are standard MediGap plans from A-N (other than states like MN, WI, and MA). Every MediGap plan provides the same insurance protection for every client without consideration of their living standards and the type of insurance company.
The price of Medicare Supplement Insurance plan and yearly premium rise depends upon general increase in prices of goods, medical treatment and many other issues.
There are other factors that determine the premiums of MediGap plan like the cost model used by the plan, and other considerable issues like gender, age, time of enrollment, and their smoking habits.

There are three kinds of cost models to show differences in MediGap plan prices i.e. community-rated, age-attained, and issue-age.

Functions of models:

• Community-rated: These plans provide same cost to all clients. But there can be an increase in premium due to high rates. However, the premium will not rise according to age.
• Age-attained: The monthly premium depends upon age in age-attained models. A person can afford this model at the age of 65, but there would be rise in premium with age.
• Issue-age: This plan calculates the premium on basis of the person’s age at the time of enrollment in the plan.

The monthly premium can rise on the basis of high rates or some other issues, but it will not depend upon the age of a person. However, a person who gets enrolled at 75 years of his age has to bear high premium rates, as compared to a person who gets enrolled at 65 years of his age.
There are some good and some bad points about every model, so you should take opinion of any authentic agent regarding the plan you are thinking to have for your insurance. He’ll guide you about the worthiness and ratings of the given plan.

What is the standard cost of a Plan F in Medicare Supplement Insurance?
I am going to answer a new question about Medicare Supplement as continuation of my last posts. Let’s discuss the possible answers of this question: What is the standard cost of a Plan F of a

Medicare Supplement Insurance?

According to the analysis of The Commonwealth Fund in 2003, they were planned to charge $194 for a month, $2,329 for a year in 2011.
But, there are specific criteria for variation in standard premium cost. I have discussed with those people who pay about $200 every month, and the other ones who pay smaller for a Plan F in Medicare Supplement Insurance.

We are recommending you to make comparison between your plan and the other available resources. We have provided data on Website of Senior Marketing for making comparisons. You must keep the following things in mind while reconsidering your plan.

What is the cost of Short-Term Health Insurance?

Do you notice when people discuss the health insurance and its cost? We are trying to provide manageable information on that, which includes our reports as well. You can have a look of our blog for the topics and posts.

We published our report last week on the topic of Short Term Health Insurance regarding its costs and benefits. According to the report, people had to pay $67 every month for the given short term health insurance policy having $1,821 deducted. Families had to pay $153 every month having $1,877 deducted for this particular short term plan. The average costs in 25 states of Columbia District were also mentioned in our report. It also included the average age of a policy and that was 184 days or six months. The main benefits of policies were also reported, which included prescribed drug protection.

So, this is a slight glimpse of a “Cost and Benefits” report for Short-Term Individual Health Insurance Plans. However, since 2001 reports have been published regarding cost and benefits of medical plans for family as well as an individual.