Rethink Healthcare Together - Americas Choice Plan Health Insurance for Young Adults

Episode Transcript

Speaker 1 (00:02):
Hi's Brian Thomas, host to the fifty five thereesc morning
Sure at least Monday through Friday. I always like to
call myself the facilitator for a conversation with John Roulman
from Cover since he better way to get medical insurance
for so many reasons we've learned over the years, and
we're going to be at it again. You can reach
John on the team at coversinc dot com. I strongly
encourage you to do that. He can do a full

(00:22):
analysis of what your current insurance is and find a
better way. Since he and his team work with more
than two hundred different insurance companies that have access to
thousands of policies, you can get dollar one coverage, catastrophic coverage,
the whole litany of medical insurance benefits for less money,
and I mean a lot less money. In most cases,
he can figure out a better way for you and

(00:44):
your family. Maybe your small group employer. You're looking for
insurance for your people and they can't get out of
reach for them. Trust me, he and his team have
a solution for that. The fun number five one three
eight hundred call five one three eight hundred two two
five five again online Covers and see John, always good
to see a happy Sunday.

Speaker 2 (01:04):
And today we get to find out what you're insuring
is what did you choose for yourself? You mentioned a
whole bunch of times over the time we've been doing
this program. You jump around different policy to different policies,
mainly for the purposes of experiencing, because if you've got
to recommend it to your clients, you want to know
what it's like. But you also now have to look

(01:25):
out for yourself, so you wouldn't go down some road
that's going to have you would mass about a pocket
liability or leave you exposed in some areas. But what
you have described to me off air, this is a
really unique thing that you are currently insured through, if
I may be, So let's talk about it.

Speaker 3 (01:44):
Yeah, so this is, you know, not saying newer. It's
newer to us. We did about a two year like
our due diligence over the last two years to make
sure anytime we offer a product to a client, we
need to make sure it's going to stand on its
own two feet, right, I mean that's very big keep dive.
I mean I think we even got lawyers on this one,

(02:05):
just to kind of make sure everything was going to
shake out the right way and how we're being marketed to.
You know, we're not going to put our name on
a product unless we actually feel it's going to be
beneficial to our clients. And of course we also look
for long longevity, right, So it's not something where we go, well,
this is great this year, all the company's gone next year.
I don't want to have that conversation with the client.
And I've been doing this for two decades now, so

(02:29):
I've seen companies come up. I've seen you know, I
was here when we used to have high risk pools
here in our state. You know, when they actually used
to have you know, people that you couldn't get insured
because you had a pre existing condition, way back before
the Obamacare stuff. Right. So let's say you end up
having a heart attack but you didn't have insurance or

(02:50):
you're like, well I need to get health insurance. Well,
no one fifteen years ago was covering you. You couldn't
get insurance. Especially for the small business guy. It's self
employed or I can go get a job and get
benefits so through them, but I'm still self employed. Who's
providing benefits to me? So and a lot of states
used to have what these call these high risk pools.
So Ohio had one, they've had, they had a couple,

(03:12):
and basically what happened, Brian, is everyone that would go
on to these plan think about it like car insurance, right,
you can't qualify you have the state run car insurance liability.
You know, yes, basically that's how these plans work. But
you know when you started seeing the premium just skyrocket,
no one healthy is getting into that pool. So the
only people in that pool are people that have to

(03:34):
be on there because they can't get cheaper insurance, right,
So all they were on Godly we're talking about fifteen
sixteen years ago. What I'm seeing in today's prices of
the marketplace like two grand for a family. You know
they were back then that expensive. Well, they would always
implode because they wouldn't have enough I mean insurance. You

(03:54):
have to have enough healthy people paying into the pool
to cover the claims for the unhealthy people. You can't
just go, hey, here there's two grand a month you
can pay in, but we're gonna pay five grand a
month for you. So I think we lost two of
them in our state here. When while I was an
insurance agent, and you get clients all the time, like
all day, this looks like a pretty good plan, like
you're healthy, why are you Why are you even contemplating

(04:16):
this plan? You know, and people did buy into it
because they thought they should. But again most people that
did and then of course those plans you know, ceased
to exist after the state couldn't financially support them anymore.

Speaker 2 (04:28):
Is that result of people bankrupt? I mean, if there's
no insurance there and you were insured through one of
those not that we need to go out in the
history on this. I'm just wondering what happened to these
port salts it.

Speaker 3 (04:38):
Well, well, a lot of times, you know, your your
insurance companies are bonded in your states. So we actually
had a very big carrier for whatever reason. We actually
had written them for years, and you know, they start
having some financial troubles for whatever reason, and they ended
up having to they cease selling new business and then
basically like, hey, we're buying for bankruptcy. We're no longer

(05:00):
to be doing insurance. So the rest of the insurance
companies in that state have to pick up the claims.

Speaker 2 (05:05):
Yeah, and then I like California wildfire situations, a certain way.
I mean, seriously, they there's that high risk California issued policy,
and if that doesn't have sufficient funds, all the insurance
companies that are licensed to do business and do business
in California have to share in the liability that's leftover

(05:27):
that's not covered by the state, the state property.

Speaker 3 (05:31):
I didn't know that. That's crazy.

Speaker 2 (05:34):
That's why a lot of the insurance companies left. I
think they saw the writing on the wall with the
uncleared brush and the likelihood of fires, the fact that
historically they had a bunch of fires and just said,
you know what, I'm leaving now, and they did.

Speaker 3 (05:47):
But anyway, but no, but that makes a lot of sense.
I mean, but yes, I mean, it's exactly how health
insurance works. It does. And that's why I always tell people, like,
when you're looking at those some of those alternatives out
there that aren't health insurance, you know, like the sharing
plans and stuff like that, it could be a ministry
plan or some of these newer plans that we're seeing
pop up that are not regulated by insurance. They're not bonded.

(06:12):
That's exactly so that would be the situation. And you know,
if you're on a sharing plan and they can't afford
your claims or they go belly up because it's not
regulated and it's not reinsured in the state, it's not
going to get paid. But kind of getting back into this,
so this is this is actually marketed under the tagline
which is called Population Science is a product that we've
offered now through cover Sincy for quite a while. Actually,

(06:35):
they formulated on trying to find better healthcare outcomes, and
they're basically a big data company, so that basically that's
how they started to kind of like track claims, how
they can renegotiate things, how can they control costs? That
was like their big market piece. And then once they
kind of realized that they were helping other insurance companies

(06:55):
really save a lot of money, like, hey, we can
do this if we kind of get involved in like upfront,
you know, and help help clients, you know, be able
to negotiate claims and stuff like that before they go
and just have a surgery, not like for an emergency,
but like you know, I need to go have a
rotator cuff surgery, right, they can really control cost and
when they had the numbers of being able to do that,

(07:17):
now they had negotiation powers, and you know, that's kind
of how they formulated and how they started. That's how
this company originated. And then basically they got into the
realm like hey, we can really do this, and they
back themselves up with a massive and reinsure. They self ensure,
and you know they have tens of thousands of members
that have already joined this. But this is a program

(07:38):
specifically if you're listening to this right now, if you're
a small business owner, if you're self employed, or maybe
even employer. I've helped some of our higher income employers
go this route too, where you know, they want to
get away from group benefits, butre like, I'm really scared
because you know, if I get rid of my group benefits,
I have this really great package I just can't afford
for me and the rest of my employees. I still

(07:59):
want to maintain really good coverage for my family. This
is where that's at. So I can literally put the
employer on this plan because he's the business owner, and
then I can still help the employees navigate whatever other
options they might be have options to. So it worked
out well for me because I'm kind of in that
exact same boat. So you know, a lot of people
think like on the private market, you know, when they

(08:21):
if they have some small pre existing conditions, or they
have a situation where they're just like, you know, I
want that old PPO plan I had before Obamacare. He
told me I could keep it. I couldn't keep it.
How do I get that back? That's where this is.
So basically how this plan operates is you become a
part owner employee of this group. They actually because they

(08:47):
do these censuses, just small things take like three minutes.
They'll ask you some of your health stuff or what
are you doing? You know, where do you get your prescriptions?
And different things like that, do you are you healthy?
You know, do you work out? I fill out like
three or four of these a year. They take three
to five minutes, and they actually pay me a k
one at the end of the year. It's like fifty

(09:08):
bucks a pop. I like two hundred dollars at the
end of the year. But that twohund hour check enables
me to say that I'm an employee. That way I
can get the group benefits that they're offering through their group.
That's how they get a group. So because again I
can't go Brian your self employed. I'm self employed. Let's
get three other people and you have a business. I
have a different business. Let's go great creator own group
for the sole purpose of health insurance. You can't create

(09:30):
a group for the sole purposes of health insurance, but
you can do it if you're employee. And that's how
they got around all that, and that's how this plan
basically works. So you know, again, you know they do
have so for people that are listening that I have clients,
definitely clients, including myself on here. The big thing, how
do they keep away from becoming a high risk pool? Right, Brian,
That's the first thing I asked, Like, It's like, first off,

(09:52):
your benefits are really good. Everyone's gonna jump in here,
and if you don't have a way to stop the
floodgate of people are just gonna come in and use
a system, right, that would turn the plant upside down. So,
of course they do have criteria in order to join it,
which is again is going to be most of your
we consider knockout questions for private health insurance. You know,

(10:14):
have you had a heart attack, stroker cancer in the
last five years? Are you an insulin diabetic? Are you
are you taking a four thousand dollars a month medigation.
You know they're gonna look at those type of things.
Are you currently pregnant because you know, our largest claims
were that I've ever seen were premature children. You know,
with a Nikia, those are astronomically high claims. So of

(10:38):
course they're not gonna want to have those people join
in the process. You know, once you're not pregnant, you
can get in, but you can't while you're already on
because the benefits here, Brian are absolutely I consider insane,
because number one, you know, you're getting out of the
HMO network that you're typically going to be operating on
an ACA plan, you know, so like in most states

(11:00):
that I am at right in all fifty, but in
most states there's not even a PPO option in the marketplace.
They're all HMOs. There's very few states that even offer
a PPO option. So you know, myself, you're stuck on
a network typically in your county. So if you're in Cincinnati,
I mean, I can't take my plan and go up

(11:21):
to Dayton and get treatment. You know, It's actually funny
because like where I live, I live in Lebanon, so
I'm kind of like in between, like you know the
network for South South Dayton or Northern can you know Cincinnati?
So if I'm one of those plans, I have to
like pick one. You know, it has areas and it's
literally if I drive five minutes south, I'm at a network.

(11:41):
So that that's a crazy situation. And especially in my
line of work, I do a lot of traveling. It's
like I can't always be you know, yeah, it's good
for emergency situations, but what if I'm at a place
for a week and I get sick and I need
to get something done, I have no coverage there. So
that's where this can really help out a lot of people.
I see it as a big benefit for anybody that's

(12:01):
in transportation, like if your truck driver driving over multiple states,
if you do a lot of traveling I do, or
just more in a situation we're like I just want
to have access to wherever I need to go. That's
where this plan really comes into play. And then number
two is they actually cover pre existing conditions. They want
so you can't be going through cancer and get on there.

(12:23):
They want to limit like I said, that exposure really looking.
They're trying to prevent big shock claims coming in. But
let's say you have something small going on, you know,
pre existing conditions. Give me things like blood pressure, you're
cholesterol right, although it's probably not going to take you
into the hospital. But I mean even that doctor visit
in six months, if a plan's not covering pre existing condition,
is not going to pay for that doctor visit. This

(12:44):
plan would, And then of course you don't have to
worry about that whole situation that I talked about last
week where client had assist and there was a UTI
and they said it was sepsis, and they're trying to
correlate that that being a pre existing condition that would
not be on this plan. So they do cover existing
conditions they want, which is which is really good. And

(13:05):
they have a different level tiers, so the starting tier, Brian,
this is a pretty unique product. It literally comes to
the two hundred and fifty dollars a reductible. It's yeh yeah,
two hundred and fifty dollars reductable. I've been doing this
for twenty years. I've never so sold at two hundred
and fifty dollars adoptable.

Speaker 2 (13:25):
The Obamacare policy at ninety two hundred dollars, two hundred
and fifty bucks.

Speaker 3 (13:30):
That sounds crazy, Yeah, it's it's it's it's it's it's amazing.
And how they built this plan kind of going back to,
you know, their background of healthcare and trying to control costs.
What they basically do is they have a network that's
a national PPO and kind of walking through a scenario.

(13:50):
So let's say you want to go in and have
carporal tunnel surgery. Right, so let's say it's a seventy
eight thousand dollars procedure. On average, you would have a
two hundred and fifty dollars cope a deductible and then
on surgeries on this planet to two hundred fifty dollars cope.
So basically you're out of pocket. We be five hundred
bucks in that situation. Now, what they basically do is,

(14:11):
just like all insurance, they require a pre authorization. But
so basically, if you haven't heard that before, you can't
just go in toomorrow and have surgery. It has to
go most of the time, the facility where you're getting
it done will take care of it first and foremost
for you. They'll call your insurance, they'll say, hey, this
is this is what he needs to have done. They'll
they'll give you a proof of why it needs to

(14:32):
have done. They can provide it to the insurance company
so they'll authorize the surgery. So what they do is
a step in between that they actually have a concierge
service that you actually call into and say, Hey, I
need to get a carporal tunnel surgery. This is where
I want to have it done. They say, not a problem.
We will reach out to the facility and what they'll
do is they'll call on your behalf and they'll try

(14:54):
to negotiate a better claim for them and you, right,
because you're part of the group. You don't want that
corporalternal surgery be twenty grand. It's going to cause all
of the rates to go up. So what they're basically
gonna do is they're going to go in there and
negotiate it and try to get it down to more
of a usual and customary or reasonable and customary charge.
And basically what they'll do is they'll come back and go, hey,

(15:15):
we negotiate with them. It'll be a two hundred fifty
dollars cope for this one. Now, some places, what happens
is they might be along the lines of going, well,
we try negotiating with them. They're a little bit more expensive.
We have four other options in your area that are
very highly rated physicians and facilities. These are two hundred
and fifty dollars copes, but with your physician, because he's
a little bit more expensive, it'll be a five hundred

(15:36):
dollars cope. So they range it. Well, here's what some
people go, Well, I don't want to ever have to
go somewhere else. I got this guy. I always want
to have it there. The worst case scenario, even if
you can't get as a cheaper cope, the worst case
scenario is you can go anywhere you want. It's a
twenty five hundred dollars cope, So you can have that
surgery for twenty five hundred bucks regardless of where you
want to go, or let them negotiate it and get

(15:57):
it down for like two fifty. And that's amazing because
number one, even if you're paying the twenty five hundred,
it's still twenty five percent of what the actual deductibles are.
Now it's a fraction. So that's why I tell people
it's like worst case, it's twenty five hundred. Best case scenario,
it's two hundred and fifty dollars. You can game plan
for that. You can't game plan for the ninety two

(16:19):
hundred on the marketplace. No, So it's it's really a
unique product. I really like it. We've had a lot
of clients calling. I've had clients that actually end up
having to have surgeries on it, and they go. The
concierge service was fantastic. They picked up the phone they have.
You're not talking to some phone center and some other country.

(16:42):
I've actually personally called into them to kind of walk
through a situation. It was actually a pretty smooth process.
And I really like that. And it gives you an
invested interest in the company too, because again, like I said,
we don't I don't want to be billing massive claims
against here because I don't want my group rate to
go up either. So we're all kind of protecting ourselves
and then I'm keeping our prices down and letting them

(17:03):
do their due diligence and keeping this a stable product
long term. And when I said they have a lot
of enrollees, one of their products as of May had
sixteen thousand. They came out in May and it's sixteen
thousand people and roll up until the end of this
year last year.

Speaker 2 (17:19):
That's a huge.

Speaker 3 (17:20):
Group on one of their products on there, and that
really helps. And I think it's this is gonna be
a product. It's going to be around for a very
long time. Now. They have different levels of coverages. You know,
a lot of the clients that we start out with
with Brian, we like that product that I talked to
you about. It does have some limits in it, so

(17:40):
you know, it's it's kind of good for the people
that don't really have to go to the doctor a
whole lot. They'll give you like ten doctor visits a year.
There's maternity coverage on it. They cover most generic prescriptions,
so again it's a good starting policy. Now, what's unique
about this product is they you know, that's a very
affordable option. And then if of course they have the

(18:00):
more expensive plans that are the full blown major medicals,
unlimited doctor visits, cover the biologic four thousand dollars a
month medications, they have those options too, but they're very
they're more expensive. And if you understand kind of how
group insurance works, right, every year you have an opportunity
to change your plan, just like it s as an employer, right,

(18:22):
So if you're if you did to help you guys,
do this is last year right, right at the end
of the year, you had your open enrollment, right and
then you can change your plan. So if you find
yourself on one of the plans that have a little
bit more limits on it, like the ten doctor visits
year and the generic medication, maybe your situations change. Maybe
now you get some health issues and like, hey, you
know what, this plan's not cutting it for me anymore.

(18:44):
During your open enrollment each year you can switch to
their better plans that have all the unlimited coverages that
you might need, so no pre existing conditions you can change.
They have to cover everything right away. So that's what
I felt about this product, Brian. I was like, man,
this is an amazing policy because you have so many
people that don't want to pay the high price ticket

(19:06):
for the Mercedes right away. You know, they still want
really good coverage, and then they go, well, I'm really
healthy right now, let me take the least the cheaper plan.
If my situation changes in the future, I have a
guaranteed upgrade option that I can get better coverage traded
in for the Mercedes, and you don't have to prove
that you can perford them at Mercedes. There's no underwriting

(19:27):
or nothing else that you have to go through to
worry about that. So that's where I found this product
to be really good. I think it's kind of like
like a lot of things that have that guarantee of
that upgrade is pivotal, especially how I work with clients.

Speaker 2 (19:42):
Well in that note, that sounds like an intriguing plan
and a wonderful option for so many people. Clearly it's
very popular. As I always like to do, remind folks,
if you're talking to John on the theme about this
or just medical insurance, generally give the contact information again
five one three eight hundred and two two five five
five one three eight hundred call or cover Sinc. Dot

(20:03):
com again, fill the form out there and try to
be as comprehensive as possible. Get the ball will and
one of the jobs of the team will get right
back with you, and you can work again with any
of the team members. Seohan's got a well oiled machine
over there. So just because we talked to John every week,
you're rethink I'll stay together, doesn't mean you you yourself
must talk with him, Although it's certainly possible that you

(20:23):
might there's a couple of carryover questions from last week,
and we want to dive on into a couple of
those there.

Speaker 3 (20:30):
Yeah, because we actually get a lot more. This happens
all the time for us. You know, we get the
the the people leaving their parents group and urant or
they're they're going out on their own. You know we're
talking about. Yes, if you're listening in your twenty six
or turning twenty six, or maybe you have a child
that's going to be getting close to that point, out,
get out. And by the way, you need to go

(20:52):
find your own health.

Speaker 1 (20:53):
Insurance, yes, along with auto insurance and everything else that
goes along with being a responsible adult.

Speaker 3 (20:59):
Absolute, But again, just kind of understanding the different types
of plans out there. It's it's kind of a unique thing.
I was looking at numbers, Brian, and more and more
young adults are actually going off on their own. They're
actually becoming contractors, or they're going into business for themselves,
or they're going in some of like the different trades,
or they're not getting you know, group benefits. But just

(21:19):
kind of understanding you know, the nature right, I mean most.

Speaker 1 (21:22):
People and that's what he got.

Speaker 3 (21:23):
Insurance exactly right, and we're seeing a lot more of
that entrepreneurial spirit coming from our youth, which is great.
But then you know, this is something that they don't
teach in high school or college. You know, how to
get your own health insurance or you know how to
even go through that process. I mean, number one, they
don't even teach you how to balance a checkbook anymore.
But I mean it just it's just all those things

(21:45):
that you know, we have to quickly grow up once
we're really out of that house, right, So just kind
of understanding some of the things that are available to you.
And though of course number one, the number one ensure
for all Americans is you know, employer sponsored coverage, right,
so that's always an and looking over there, but understand
kind of like timeframes. So even though most jobs, if
you just start right now, I mean a lot of

(22:07):
companies don't offer benefits right away, so sometimes you wait
sixty ninety days before coverage is kick in. We have
a lot of different good products that can actually help
through that process. These are notorious like short term medical plans.
They were designed for like we call like a bridge
between coverages. So that's something we can actually help you with,
especially if you're going for an employer plan. You know,

(22:30):
number two, if you're you know again, I had a
family young, you know, kicked off my parents' policies. I
had to go get my own. My wife and I
we were like planning a family, you know, in our
early twenties. So understanding, you know what's available to you,
especially if you're looking for things like maternity coverage very big.
You know, don't let someone sell you something that doesn't

(22:51):
have maternity coverage. If you're planning on having a family,
it gets extremely expensive. I've seen the bills. A lot
of private plans out there do not have maternity coverage
with it. And if that is something that you feel
like you need for your family, or if that's your plan,
that's that's why we always have those conversations. Yeah, we're
gonna make sure you have really good coverage for that.

Speaker 1 (23:11):
So going back to the premium and you know ICU unit, man,
that is going to be a heap load of it.

Speaker 3 (23:18):
Is a heap load. But the biggest thing, Brian is
even the private side, complications due to pregnancy would be
covered on most of the private plans. The problem is,
you know, it's the insurance company saying it's a complication.
So just be going saying, hey, you're you you can't
naturally give birth, We're gonna have to do a C section.
If it wasn't an emergency, they're not covering that, So

(23:40):
you have to be very careful with that. And again
this is kind of where we really help parents, you know,
or people planning to have children. There's literally plans that
I can add on for families before they get pregnant.
I have a plan that we actually we had to
shy away because the insurance companies didn't want to call
it the maternity plano. But literally it would pay six thousand,

(24:03):
three hundred and fifty dollars in a lumpsum benefit when
do you deliver. Oh, so you can take it out
before you get pregnant, and then if you do get
pregnant and not of course nine months later, they're actually paying.
It's a cash benefit and it would help you with
these deductible especially in the marketplace. Most people be like, oh,
I got maternity coverage. In the marketplace, you're still going

(24:24):
to be subjicated to your deductible and your count right,
so more unlikely you're paying like seven eight nine thousand
dollars out of pocket. That's where this plan can really
help you pay for that, you know, and it's it's
six thousand, three hundred fifty dollars off if you're deductible
for the year, it's a huge benefit. So again it's
it's why we really have these these these conversations so
that we can plan those situations.

Speaker 1 (24:46):
You know.

Speaker 3 (24:46):
Of course, a lot of people end up when they're younger,
they don't really realize that may have may not have
a high income, and a lot of people don't realize
they can even qualify for Medicaid, so that's something that
they should really look at. And those situations too. I've
gotten so many people that you know, and I'm still
in school, but I'm twenty six years old, and i
really don't have an income, like just go and Medicaid.

(25:07):
It's all income based now, so you no longer have
all the assets of your family. And we've actually helped
a lot of our clients kids in that situation get
on that and then of course transition as their income
kind of goes up. So just kind of understanding there's
a lot of different options out there for young adults.
You know, if you have a question on that, reach
out to us. You can help you through those in ariors.
I can't personally write Medicaid state sponsor program. But if,

(25:29):
just like anytime we hear client situations, you know, if
I feel like you're that way.

Speaker 1 (25:36):
Yeah, absolutely, it's the sound advice to give them. And
just because they're not going to be doing something, you
know directly through you, you're still providing the counseling and the advice.

Speaker 3 (25:43):
Absolutely, absolutely, And just like we've talked about previous weeks,
you know, just kind of understanding your coverages. It's just
so important, please please please, I call it the true
cost of health care. It's not just what you pay
every month, right, it's what you're out of pocket, is right.
So it's not deductibles. I hear so many times, specially
during open enrollment, John, my plan only has a four

(26:05):
thousand dollars reductible. I can afford that. I was like, yes,
but it's per person, and you saw the co insurance
in the back end, which you're gonna hit the first
day here in the hospital, So it's still ninety two hundred,
So don't look at the four thousand. You'd be surprised
how many people buy like the gold plans in the
marketplace and they paid like three times of premium because
they saw it had a lower deductible and has the

(26:27):
same out of pocket as the bronze plans that are
you know, a third of the costs. And it just
if you call into the marketplace or if you're I
hear all the time people calling a healthcare I can
call healthcare dot gov. They walk me through it. They
they helped me pick up plans like number one. They
can help you pick a plan. They can tell you
what's available. But they're not even licensed brokers. They're what

(26:49):
they call navigators. They can't give you advice. They can't.
They can go, here's three options, which one do you write?
You know, and they go, oh, I really like the
one with the lower deductible. I know it's more expensive,
I'll take that one because people are just trained in that.
And you'd be surprised how many people we have to
redo because they're overpaying on something like that. Just it

(27:09):
just mind boggles me.

Speaker 1 (27:11):
Well, and I guess another takeaway from this, considering you're
talking about young people getting insurance. If you're a parent
out there and you're a young person, is getting ready
to head out in the world. Remind them that they
need to get some medical insurance coverage and do not
let them say I don't need it because I'm young
and healthy. World's an imperfect place. Screws, fallout, accidents happen,

(27:34):
people get pregnant, and could go on and on and on.
Cover sincey dot com start the process and you men,
there's never an obligation for you to reach out to
John and the team to have them do this work
for you. Let them try it out for you there.
It's got to be a better way for you and
they may very well be out there with Cover. Since
he coversince he dot com or five one three eight
hundred two two five five five one three.

Speaker 2 (27:54):
Eight hundred call.

Speaker 1 (27:56):
This has been another edition of Rethink Healthcare together with
Woman and covers since he's always a blood of John
where our.

Speaker 3 (28:03):
Convers like YouTube, Brian, enjoy the rest of your weekend.

Speaker 2 (28:05):
Thanks man, you too,