Rethink Healthcare Together - ACA Changes Private Options

See omnystudio.com/listener for privacy information.

Episode Transcript

Speaker 1 (00:02):
Hi fran Thomas opposed to the VID about care seeing
Morning Sure at least Monday through Friday. At this time
of the week, we talk with John Rollman from Cover
since he I'm facilitating this conversation. It's all about healthcare
and it's called rethink Healthcare together John and the team
of Cover, since he there to serve you, to help
you out, regardless of what state you're in. I know
it's got sensing the name, but they're all available across
this great land of ours. So if you're listening out

(00:23):
of state, you two can reach out at no cost
to you to get this valuable information about medical insurance.
It's a time of year we're all worried about it.
We talked to Medicare last week. With fast approaching Medicare
OUP enrollment, lots of pitfalls you can fall in for that.
So if you're a senior out there, you're in that position,
you're getting ready to re up, you should definitely call
John and the team. The landscape is constantly changing and

(00:46):
there's some serious problems you can find yourself in if
you don't speak with him or fully understand it. Hopefully
you're in that lucky position where you get all this.
I know my eyes kind of closs over from time
to time. But that's what John and the team are
all about today, the twenty twenty six shake up anger
Will Robinson. I'm looking at my notes here, What the
heck is this all about? John? It's always a pleasure
talking with you. You too, Brian, I mean ye.

Speaker 2 (01:07):
Today's focus is going to be on some of the
big ACA changes that we're seeing. The biggest thing that
most people don't realize is that there are private options
for healthcare coverage. Everything doesn't have to be in the marketplace.
So I'm taking the sting out of this conversation in
the beginning, and you know how you, maybe as an employer,
can help your employees.

Speaker 1 (01:25):
Access better coverage.

Speaker 2 (01:27):
That's a big thing that we like to focus on,
is helping your employer maybe provide some better coverages or
even options through your workplace.

Speaker 1 (01:35):
But the real quick here, let me just interject a
really important point. Your employer, if you're working in a
group or working in a company, of course, doesn't know
I'm gonna assume doesn't know about John and doesn't know
about the options that exist in the world. They don't
know much about insurance generally speaking, So when they get
the knocker on the door from filling the blank company

(01:59):
singular like, all right, fine, whatever, it's all the same,
give me your three options and I'll present them to
my employees. And that's what you're stuck with because your
employer or the HR person doesn't have a profound knowledge
of what is out there in the world. So before
you sign up for something like that, have the conversation
with John and the team, because it's probably the case
they're going to find you a better medical insurance package

(02:19):
among the hundreds of medical insurance providers out there with
thousands of different policies to choose from. So don't work
with your employer, work with John, or at least have
John give a stamp of approval on what you're being offered,
and he can tell you, you know what, this looks
really really good, and I can't improve on your situation.
I'll take it even a step further.

Speaker 2 (02:37):
If you're if you're right now, if you're an employee
and you have group benefits and you're maybe working for
an employer that has less than fifty employees, have them
call you absolutely happy you get to that all point. Yeah, yeah,
I mean they're always going yeah, yeah, I mean I
think that's huge. I mean, even as an employer myself
with a number of employees, I mean, I would be
very open to one of my employees coming to me. Hey, John,

(02:59):
I heard about that. Yes, it might be able to
help you save money on the bus side and maybe
do something better for us. I'm gonna have that conversation,
right because again, we don't I mean, I can't go
out there and knock on every door and every employer.
I mean sometimes it does take one that extra step.
And I'll tell you right now, if an employee came
to me and ended up saving me like thirty to
forty percent, like I do a lot of these groups

(03:20):
on their insurance ramiums, like You're gonna be hero, You're
a hero, would be a great conversation we're gonna have
during your.

Speaker 1 (03:27):
Next h Well, I have to use the illustration again
because it was, I mean, the guy every time I
do a spot for you in my week show, he
sends me an email with three big smiley faces mark
on tool. Yeah, yeah, you got all of his employees insured.
They're all happy, and all of them were skeptical. He
even pointed that out to me when I had that
conversation with a listener, he said, Oh, none of my

(03:47):
employees believe this was even possible. They said, this is
too good to be true. Jeff, there's no way you
improved his business's bottom line by tens of thousands of dollars,
got all of his employees insured or at least sent
them in the right to where they are happily insured.
They're all paying less, they're all giddy with excitement. He's
got employee retention there that he never could have imagined it.

(04:08):
It's crazy.

Speaker 2 (04:09):
It's you know, I always say, it's what we do
is a little is definitely gonna be a lot different
than anybody else offers. And it's funny we're having this
conversation before we even started. It's like, I've yet to
find other brokers like myself that even do anything like
we do. So we are truly at an anomaly and
how we do this, because at the end of the day,

(04:29):
most brokers either work on group insurance and that's their focus.
They're only going to show your group plans. Our most
agents deal in individual insurance and they're only looking the
right The guy that has one employee, maybe just self employed,
they're not looking to help groups, and they don't have
the infrastructure right to even work with groups of twenty
thirty forty people, forty lives.

Speaker 1 (04:50):
I have a team.

Speaker 2 (04:51):
I have to have a team because it takes a
village to help these groups. And you know, when we
go on there and work with these groups, I mean,
it's it's like light bulbs go off. Yeah, and then
and then of course they're all skeptical every single time, always,
and then about four to six months later they're calling back, going,
It's working exactly how you said. And I'm not hearing

(05:12):
any complaints. I don't even hear from my employees when
it comes to health insurance anymore. And that's huge because
you shouldn't be.

Speaker 1 (05:19):
That's you're not your job, right. So if you're listening,
your job is either talk to your employer about this,
or if you're an employee you got your own small business,
give John and the team a call at no expense
to you. Your eyes will be truly opened. Uh. That
will be five one three eight hundred call five one
three eight hundred two two five five or cover since
dot com to get that process started.

Speaker 2 (05:38):
All right, So what are we talking about here? With
this shake up. John, here's the biggest thing that most people.
If you're a listener to the show, you've definitely heard this.
But if you this a first time listener, the ACA
and the marketplace basically think about the big thing that
the government is forcing us into, which is the healthcare
dot gov fiasco. Okay, buying health insurance that is completely

(06:00):
one hundred percent regulated by the federal government. That's what
the ACA coverages are, right. I don't care if you're
on a state exchange like in Kentucky, or you're here
that we use a national exchange like in Ohio. You're
all subjicated to this. So back during COVID, and I
keep stressing this, we were given extra money by the

(06:20):
federal government. They gave us higher tax credits and subsidies.
They were helping even higher income earners get tax credits.
And this is helping you reduce the cost of your
insurance premiums.

Speaker 1 (06:32):
And this was drastic.

Speaker 2 (06:33):
We're talking about millions of people that we're not getting
free money before, are getting money right now.

Speaker 1 (06:39):
Well, this is the basis of the shutdown. This is
the key component what they're playing. COVID shows up, they
waive the income cap it was what sixty dollars or something.

Speaker 2 (06:48):
Yeah, it was four years ago. It was four percent
for the FBL yep, and then that came in for COVID,
so they took it off and basically say, hey, listen,
your health insurance plan, you can't pay more than eight
and a half percent of your income. So we were
seeing like huge plans like down in Arizona. I have
the client I mean they're they're pricing down there is astronomical.

(07:09):
It's you know, I've looked at families of four are
paying almost three grand a month. So yes, you could
be making three hundred grand a year and still getting
a tax credit. Well that's gone. So what happens now
if you're a family of four and I think that
the income is like one hundred and twenty thousand, so
and this is what you have to really understand. You
can still get a tax credit, but one hundred and

(07:30):
twenty one thousand, it's gone.

Speaker 1 (07:32):
Yeah, it's a dollar cutoff. I mean it's a dollar cutoff,
or it's not graduating one hundred percent. And here's the
worst part.

Speaker 2 (07:38):
If your income fluctuates, like a lot of self employed people,
you can say, hey, this is my income last year.
Oh guess what, twenty twenty six is a really good year.
I mean an extra five grand And that extra five
grand could literally cost you ten thousand dollars and penalties
when you file your taxes, because I guess what, they're
going to give you the money upfront. That's when you
file your taxes, they'll take it away. And that's exactly

(07:59):
what's happened to people before COVID, the cover relief build
what into twenty nineteen. That's what is going to be
happening unless something changes for twenty twenty six. And the
biggest thing is a lot of people are scared. You know,
are governments in a fiasco over this right now, Brian.
But the problem is is no one's talking about the
fact that people do not have to buy health insurance

(08:20):
through the marketplace, right And that's been my premise for
twenty years, is showing clients that there's private options. And
these private options, Brian, I can't stress enough, are literally
forty to sixty percent cheaper than going on the marketplace,
and they're better coverage, they're not to restricted. I can't
leave Cincinnati and get coverage, you know, I mean these

(08:42):
are literally national plans that you can get on. These
are plans that are cheaper, better coverage, lower out of
pocket expenses, all the things that we were accustomed to
before Obamacare. But none of these people are talking about it.

Speaker 1 (08:54):
You need to be a spokesperson for the White House
or something, because not a single politician ever brings that
reality up because they don't know, they don't want to do.
I mean, they can make a good argument now you no, no,
don't go to the Affordable Care Act, don't go to marketplace. Look,
John Roman's a guy out there in the world and
can tell you all about this. But there are hundreds
of medical insurance companies out there. You can get a
better policy for less money. Why wouldn't you do that?

(09:14):
Because they don't want that. It's it's I mean to me,
everything that I seeatics shut down. It's scared. It's political
scare tactics. You know.

Speaker 2 (09:22):
They want to force us into a box. They want
us to put us into the situation that everyone thinks
that this is the only place that I can go
and and that's just not the reality. And here's the
worst part about it. The government constantly tries to shut
these private options down. We dealt with this last year,
with the short term policies under the last you know
last yeah, yeah, and now Trump brought them back and

(09:45):
allows those options for short terms again. They let us
happen back again. He's giving us those options. But the
biggest thing here, Brian, is the fact that you're right,
no one's talking about it because it's it's it's not
the political landscape. The last saying the other side ones
is hard to turn around and talk about. Go, well,
you know what, there's actually other options. So really, why

(10:06):
we're shutting this government down is why for nothing?

Speaker 1 (10:09):
For nothing?

Speaker 2 (10:10):
You know, if they actually said, yes, this is a
bad thing for certain people, but those same people can
go turn around and go get coverage elsewhere and it's cheaper,
they don't want to do that, so it doesn't make
any sense.

Speaker 1 (10:20):
Then well, yes, but you say it's cheaper, you do
have to pay a premium.

Speaker 2 (10:26):
Yes, you're gonna pay a premium. I mean, you know,
think about the situation if you're if you're getting a
tax credit, right and your lower income and I'm saying like,
if you're making thirty forty thousand dollars a year, you're
going to get a tax credit, and you should And
if you don't have health insurance you're making that type
of income, please give me a call. It will show
you how it's very affordable and you can have that
peace of mind. But what we're really stressing here is

(10:47):
the higher income people that we're accustomed to getting tax
credits that shouldn't be there, right, you know. And I
mean it's which is funny. That same family that I
was talking about in Arizona that I helped, you know,
that they're losing their tax credit, what even with the
tax credits they were getting, and the premium that they
had with those tax credits was more expensive than what

(11:07):
it cost me to write them a private plan. They
just did not know because the only thing they see
and hear is I can only buy health insurance here.
And that's the worst feeling that I can possibly have,
is just not understanding and being educated in that realm.

Speaker 1 (11:24):
Wow. All right, so you know, and it was I
just have to emphasize, is the reason you got the
dang tax credits in the first place is because of COVID.
Last time I checked, that's not an issue anymore so
I ever had it. They wrote they wrote the end
date into the legislation. I mean, we everybody knew this
day was coming. So there it is. John's warning you
about it. Well, we always thought it.

Speaker 2 (11:44):
I thought it was actually gonna be like political suicide
if anybody didn't keep renewing it. But I mean, we're
in the realm right now where let's be honest, we're
trying to be a little bit more physically responsible. And
I don't have a problem with that. The biggest issue
I feel like is just is the education side.

Speaker 1 (11:59):
And you're right.

Speaker 2 (12:00):
I mean, you know, I've written letters to Congress and
their senators.

Speaker 1 (12:04):
Like hey, why don't we talking about this type of stuff?
And I'm going to.

Speaker 2 (12:06):
Continue to do it because we need change in that
realm so that we can help our It has to
help the average person. And that's what doesn't make any
sense right now.

Speaker 1 (12:17):
Yeah, fun fact that you gave in here, and this
is worthy read. I want you to explain this. Some
families could face thirty thousand or more total medical costs
during a major health year. Yeah, so out a pocket.

Speaker 2 (12:30):
That's out of pocket, that's premiums. Yeah, I mean think
about it this way. It's so last for twenty twenty five,
the maxim out of pocket for an individual's ninety two
hundred dollars. Now, certain people at a lower income level,
they qualified for a cost sharing reduction which was it's
called a CSR if they bought a Silver plan, which

(12:51):
was which was really good because you got people had
a very low income. They can't afford nine grand if
they're making twenty two grand a year, right, So the
biggest thing was we had that cso well with this
new change that's trying to happen, that CSR is going away.
So what that basically means is that everyone, every single listener,
if you buy a marketplace ACA, Obamacare plan, whatever you

(13:14):
want to call it, you're out of pocket. Maximum this
year going into twenty twenty six is ten thousand, six
hundred dollars. Now, if you're lucky like I am and
you have a family, it's double that. So now it's
twenty thousand, twenty one thousand, two hundred dollars. So that's
your exposure per year. Right, So I can't imagine how
many people in a bad year, two people in your

(13:34):
family maybe go to the emergency room, or one person
has a surgery, or God forbid, you go into the
hospital and you owe twenty one thousand.

Speaker 1 (13:42):
Two hundred dollars.

Speaker 2 (13:43):
That's going to be detrimental to your family, not to
mention add in what you're paying, and the average premium
is somewhere out of one thousand dollars a month. Now
you're at thirty grand a year in financial exposure for
health insurance. How many people start questioning getting treatment.

Speaker 1 (14:02):
Getting treatment or even entering into the process. Like you said,
some people don't make enough money. They even they don't
even want it afford an Obamacare plan. They don't buy
it because of the out of pocket responsibility. It's just
I can't handle ninety five hundred. I can't handle ten grand.
It's not gonna buy it.

Speaker 2 (14:17):
Would you buy car insurance if you owe the first
ten grand on an accident? No, but we have to
because the government says so. But I mean, I wouldn't
want to ten thousand. My first car was worth two.

Speaker 1 (14:29):
I mean, well, your premium would probably be close to
very little or nothing if you got a ten thousand
dollars out of pocket. I mean, the only thing they're
gonna have to cover is major automobile acts.

Speaker 2 (14:37):
Well, correct, But now we extrapulate to the health insurance side.
I get that right where the premium is at those levels.
I mean, thirty ground is a daunting number. And you
know this is where we really help people because again,
if you haven't listened to my previous shows, our goal
is my goal when you call in, you'll never pay
twenty thousand dollars for anything. Ever, I will show you

(15:01):
a way that there's ways that you can go into
the hospital and never pay a dime, regardless of what
plan that you have. I mean, that's our goal. But
again going back to the private side, the out of
pocket on those Brian, I mean, I have plans right
now to have two hundred fifty dollars uttheles that are
they're available for individuals. You just have to give us
a call to CEEF. You qualify for it, and they're not.

(15:22):
It's not that hard, so I know the.

Speaker 1 (15:25):
Phone call is free by the way.

Speaker 2 (15:30):
Yeah, I mean, but you know you have to look
at the like Again that the shocking truth for the ACA,
and this is what most people don't really understand. It's
it's still an HMO. And again we stressed this so much.
One an HMO means is you can't go out a network.
So the marketplace plans wherever you have them. I mean,
if I have a marketplace plan here in Ohio, I
can't drive ten miles into Kentucky and I'm at a network, right,

(15:53):
you know what I mean, Like, that's not feasible for
a lot of individuals and they can go. Yeah, but
the agent told me for emergency situations, I'm covered. No,
it's it's emergency, life threatening situations. I've literally had clients
on actual clients of mine on a marketplace plan and
I won here. A few years ago, she was having

(16:14):
breathing problems, felt like she couldn't breathe. She was at
a state went into the emergency room and they told her, ma'am,
you just have bronchitis. Okay, we understand, but it's bronchitis.
They wrote that on that chart. The insurance company got
a hold of that decline the claim saying man that
bronchitis is not an emergency. We had a fight for

(16:36):
six months and the insurance company still said, no, we
couldn't prove that that was life threatening.

Speaker 1 (16:42):
She couldn't breathe.

Speaker 2 (16:43):
You, guys, you couldn't breathe. That is I mean, I'm
telling you that's the marketplace guys. And yes, if it
makes sense to get that.

Speaker 1 (16:50):
But I know you made this argument, but can't bronchitis
kill you? I mean, I guess you can't far enough.

Speaker 2 (16:55):
Yeah, I mean that was our argument over and over again,
and the doctor wouldn't share, and just like I apologize,
I get that, and trust me, we tried and then
came down to the doctor changing in the medical records
of basically saying it was severe and he was like,
it wasn't severe markitis, and the insurance company was like
black and white, and that's I don't want to see

(17:18):
that for the listeners.

Speaker 1 (17:19):
I want to.

Speaker 2 (17:20):
I mean again, this is one of the things we
do fight for you when we can, but free for free.
But you know, at the end of the day, it's
it's like, listen, she's not on that anymore.

Speaker 1 (17:32):
I'm letting you know that right now. And she's never
been happier.

Speaker 2 (17:35):
Had it was a big convincing, Hey, you pay a
little bit more because she was gonna a big tax
credit and this will never happen again. And she's like,
I went that peace of mind. So again, that's why
we have those conversations. That's why you sit down and
do that, because you have to understand what this marketplace is.
And you know, I tell all people all the time.
I mean, if you have to look at the ACA,
if you think that is your go to option, let's

(17:56):
have a conversation about it. But literally, it's like if
you were a plumb and your entire business model is
I can only work on horizontal pipes. Sorry, man, you
got a vertical pipe? Doesn't work. That's the marketplace. Yeah,
So it's you have to really understand the limitations and
the financial exposure. And god forbid someone that you called

(18:18):
even the marketplace because again, they're not brokers there, they're navigators.
They can just help you enroll. They cannot advise you
or tell you what your real pitfalls are because that's
giving advice and they don't have a license.

Speaker 1 (18:28):
True.

Speaker 2 (18:29):
So if you call onto them and they navigate you
into a plan, right, I mean, you can be in
a world of hurt, especially when they go, man, what's
your income. Oh, it's one hundred and twenty thousand my
family before it they put one hundred and twenty thousand. Well,
here's your big tax credit. They're not gonna they can't
advise you and to go, hey, if you make a
thousand dollars more it's gone right, you owe ten grant
at end of the year, they're not gonna have a
conversation with you. And listen, it happens all the time.

(18:51):
And that was the biggest problem we solved before twenty nineteen,
while a lot of people didn't go on it. And
that's why I'm stressing it so much on today's call,
is there would be so many people and we're talking millions.
They're talking anywhere from four to eight million people will
loose tax credits, and they're even talking about more people
that will go without health insurance because of the cost.
And again it's the education side not knowing there's private options.

Speaker 1 (19:12):
Now going to the health insurance because of the cost.
That's the way the government plan was built. I mean,
I just sorry to interject my political philosophy on this,
but you know, the minute government gets hold of something,
they tend to ruin it or always ruin it. I'd
even go that far. So I guess in terms of
action steps and what we need to do with my listeners,

(19:33):
what the listeners, your listeners need to be thinking about.
As we get ready to conclude the segment, we have
you know, five ten more minutes to talk about this,
and yet I mean, get it all boil down, Yeah,
all boiled down. Listen.

Speaker 2 (19:44):
I mean, here's the biggest thing for you. If you
are purchasing your own health insurance, please call into our
office schedule the review. Open enrollment starts in November first,
so we're only a short amount of time away. The
biggest thing here is if you call in now it
a free consultation. I have a number of agents at
work in my office. We will sit down and go
over that with you and what your options look like.

(20:06):
Even if you're on a marketplace plan, we might have
been able to roll you in exactly the same coverage,
if that makes sense. And now you have us and
you don't have to deal with the marketplace ever ever.
And then there's or or let's double that you don't
have to deal with an insurance company ever. Even better,
because Donald, this is a great point.

Speaker 1 (20:24):
I know I make it every single week, and I
always sense so giddy with excitement over it. But you know,
just the fact that you save people this frustrating call
that they're gonna face if they have to deal with
an insurance claim denial or some problem with the insurance processing.
It's like do you really want to pick up a
phone call and call it insurreman pick up a phone
and calling an insurance company, you know you're gonna get
stuck in that death loop on hold and yeah, the

(20:45):
wait time will be forty minute. Leave your number and
we'll call you back whenever we get an opportunity like ah,
And then do you know what you're talking about when
you get on the phone with them? No, I don't
understand this, eob Okay, you called me. What's the problem?
Will you deny myke? Okay, don't go down that road.
Let's down on the team, do ye. It's a free
service that goes along with working with them and listen there.

Speaker 2 (21:07):
And the biggest thing, guys, there's no additional costs when
you take a plan with us.

Speaker 1 (21:11):
Nothing.

Speaker 2 (21:12):
So even if you just said, hey, I'm on a
marketplace plan, I'm happy and my income stable and I
already looked at my tax credit, you can still come
to us and we can enroll you. It's exactly the
same costs. Then you get us, and then we can
just make sure that plan is the right fit for you,
and if it is, I'll take you to stay with it.
But the biggest thing is to start calling and now
getting on the schedule to have those reviews and to

(21:34):
look at all the options if you're buying a private plan, like, hey,
I even have a private plan. I didn't do one
of those Obamacare plans. I can't stress enough that it
is still the wild West and there are still a
lot of plans out there that are not good. And
I think, and this in the private plan sector. So
there are companies, Brian, and we write a lot. There
are companies I will never contract with. I will not

(21:55):
pick up a contract because I will never sell their plans.
And people buy, Yeah, they're they're really bad. And there
are people out there that have these plans and we
take them out of these plans all the time. So
even though you may have been lucky and the fortunate
enough to go, hey, I found the private plan outside
of Obamacare, I bought it. Well, the biggest thing you're
never going to understand is when you know, because you're

(22:16):
healthy and you don't really use it much, but when
you do go use it, you realize that wait, wait,
why I have tens of thousands dollars out of pocket.
And this is what the government was trying to stop
that wild wild West side. The problem is they'd never
really handled it. All they did is create something and
go everybody has to buy over here, and we're just
not going to talk about everything over here.

Speaker 1 (22:34):
Yeah, it's paying no attention to the man behind the curtain.
Exactly here we are here, this brighton scanny object Obamacare
one size fits all. Yeah, over here you.

Speaker 2 (22:41):
Got marketing, Yeah, marketing, and then and then they buy
something else. So it's still the wild West in the
private sector. That's why you want to deal with a
reputable company that I mean, I'm not here to gloat,
but we have five star rating, like we do the
right way. We could do the right thing for our clients.
I mean, we're here to stay, so we want to
make sure the plans we put them in are the
best possible plan for their situation, and not put people

(23:03):
into the junk plans that are out there. So again,
that's why it's so important to make sure that even
if you are on a private plan, at least give
us a call and doing or a review, because I
guarantee you if you're not a client of ours, I
can probably help.

Speaker 1 (23:16):
You all right. And then last week we spoke in
part anyway about the businesses and quality that most business
owners or aid managers don't have this full comprehensive knowledge
that you have about all the plans that are out
there and the good ones and the bad ones, and
that if you're an employee or you're a business owner,

(23:36):
it's you're running out of time, but it's it's not
too late to reach out and it's not too late.

Speaker 2 (23:40):
We're actually helping at least over a dozen groups right
now do exactly what we do.

Speaker 1 (23:46):
Most of them were actually.

Speaker 2 (23:47):
Getting rid of their group plan moving into individual options.
You know, if you're if you're an employer or an
employee of a of a business. This is why we
kind of stress it in the beginning, maybe you should
talk to the employer or at least whoever makes this
on the insurance side, because there are a lot of
different options out there and they're not overly expensive for
the employer. One of the biggest things we started helping

(24:09):
a lot this past year was a lot of employers
that were basically, John, I love to be able to
hire people, I have to provide benefits, I just can't
afford to do it. And we show them strategies where
you know, for one two hundred bucks a month for employee,
they can provide certain aspects of their coverage to help
them and to get hires and say they offer benefits.

(24:29):
So there's there's so many different ways that we can
go about this. There's options to like Section one twenty
five cafeteria plans that we roll out for some of
our groups really beneficial not only for the employer more
on a fixed premium amount per year. These are plans
activity on skyrocket and price that big increases helps employees
get reductions in their out of pocket expenses. Trust me,

(24:52):
the companies that we help through these Section one twenty
five plans are that's the key. That's how I maintain
these clients is because when their employees go and use
and go, hey, I didn't actually have any bills for
the hospital and I don't understand why.

Speaker 1 (25:03):
They paid me a check. Yeah, they don't leave you.
And it's funny.

Speaker 2 (25:08):
We just we actually just did a group actually up
in Dayton and we did exactly this small group of
twelve and we went over with the employer. We helped
them get all the coverages. They were on a high ticket.
I think they're paying like twelve hundred bucks a month.
For each employee, we literally saved them fifty percent on
their entire what they're paying for a group coverage.

Speaker 1 (25:25):
That's that business bottom line, the business. That's a business.

Speaker 2 (25:28):
That's literally the money we saved him. He can go
hire an employee. Wow, and not just not just a
you know, administrative making minimum wage. We're talking about go
out to a really good employee. And we added on
that section one twenty five help every single employee get
their own major medical coverage. Each employee saved on average

(25:48):
thirty percent on what they're paying previously. With the group coverage,
employers save fifty percent and not one of them will
ever go into a hospital or have a surgery and
owe a dime.

Speaker 1 (26:00):
That statement speaks volumes about what you do. It really does.
You know. I'm always I hate to you know, always impressed.
You know, you bring up these little illustrations every single week,
and the value of working with you always reveals itself.
It's like I want to smack everybody. Come on, you
gotta listen to the show Rethink Health, come together with
John Rowan's enlightening, and you're gonna save money. You gotta

(26:22):
be happy about medical jurors for a change. Jeez, Louise John,
It's just truly, truly amazing.

Speaker 2 (26:27):
But we're trying to do a grassroots operation to try
to help change the narrative health care. I do not
want health and this is something I'm passionate about. I've
been doing this for twenty years. I am very passionate
about getting my clients affordable, very good health care coverage
because I never want any of my clients to ever

(26:49):
call in and go, hey, my wife decided not to
do this treatment or get this surgery because she was
scared on the out of pocket expenses. I don't want
to hear that you're paying for something. I'm a true
believer you should get really good coverage. And the problem
in today's market is it's it's a one size fits
basically none scenario, and that's what we're being forced into

(27:13):
that box. And I'm trying to rewrite that narrative well.

Speaker 1 (27:16):
And I want to interject the other thing is about
the individualized nature of your discussion. So that business owner
out there that heard you just utter that a profound
comment about how much money you can approve in bottom
line and make your employees happy, You'll look at each
of the employees. You'll talk to each of them individually,
because each of the employees is a different space in life.

(27:36):
You know, Don's got thirty thirty five years Old's got
three kids. You know Harry is sixty years old thinking
about retirement. There are different places in their life, and
they have different realities and therefore might end up with
a different package of medical sureance policies you put together.

Speaker 2 (27:50):
One hundred percent. They have different doctors, they have different prescriptions.
You're right, there are different points in their life.

Speaker 1 (27:55):
Right.

Speaker 2 (27:55):
We make sure that when we put them in that package,
it meets their needs.

Speaker 1 (27:58):
Are little.

Speaker 2 (27:58):
Our census form that we give out to each employee
literally list their doctors, their prescriptions. I want to make
sure when I make a recommendation, none of your employees
loser doctor. How important is that. If I had a
group of like thirty employees and I did a group
health plan, I can tell you right now there's going
to be ten to fifteen percent of them when I
choose a health insurance plan, they're going to lose their
primary care because the plan I chose as an employer

(28:20):
affects what they do.

Speaker 1 (28:22):
John Rolman covers. Since you can work with any member
of John's team. They'll all highly trained to help you.
So if you're getting ready to go into medicare, we
talked about this last week, call them up. Don't make
a mistake. Reach out to them. Employers, individuals. You're getting
ready to pull the trigger on this policy, make sure
you speak with John and the team. We'll steer you
in the right direction. I assure you of that, and
to do that, initiate the process. It's five one three

(28:43):
eight hundred. Call any state in the Union. If you're
sitting in one, you can give them a call five
one three eight hundred call, or just start the process online.
Visit the website, fill the form out right there coversincy
dot com. It's been another edition to Rethink Healthcare together
with John Roman from cover since Thank you, Brian