Rethink Healthcare Together - Knowing you are on the correct path Health Plan

Episode Transcript

Speaker 1 (00:03):
Hi, It's Brian Thomas, host to the fifty five Caursey
Morning Show Monday through Friday, but facilitator for this segment
we call Rethink Healthcare together with John Rouman. And of
course we can't forget the team he works with at
cover since he find on my line at coversince he
dot com. You're going to want to for medical insurance
for less money and dollar one coverage. It can be done.
He can improve your small business's bottom line. He can

(00:25):
make your employees happy. He can help you with retaining
those employees because he helps people find medical coverage for
less money and of course better coverage. John Roman can
be reached and the team I might underscore at five
one three eight hundred Call five one three eight hundred
two two five five John. It's always good seeing my friend.
How you doing today, I'm doing fantastic. Good morning. It's

(00:47):
so cold. Well, yeah, there's no doubt about it, but
you know what, it's climate change and if you wait
a couple of months, it'll get warm. Oppen, It'll get
hot and then it'll cool off and then it'll get
really cold again. Well, it's also Ohio, so you know
we have those days where you get you come in,
it's like twenty degrees and then by the end of
the day it's forty. It's like bipolar. We have bipolar

(01:08):
weather here in the in the great excess in that area.
All right, today we're gonna figure out how we know
that we are on the correct healthcare plan and how
to choose the right health insurance plan. And of course
this is something that you do for people. And then
we're going to go through the sort of litany of
things that need to be considered to kind of put

(01:28):
the idea in people's head why you know one policy
could be better for one person and another might be
better for another. And just remember John and his team
work not for insurance companies. They are your insurance brokeer.
You contact them. They do a full analysis of where
you are coverage wise, and they keep all that information
to themselves and not out selling it to anybody like

(01:50):
a lot of other agency might contact. But they analyze
where each individual employees is. Where you are in your
life and you have a family of four children, you're
you know, middle age, or maybe you're getting closer to
retirement or maybe just starting off. So all of that
gets factoring into the equation and then them, working with
a couple of hundred different insurance companies and thousands of

(02:10):
different policies, they can put a specific package tailored for
your circumstances. So how do they do that? Let's start John,
how do we Where do you start on that? Well?

Speaker 2 (02:19):
I think that the first thing you know, when whenever
we you know, meet with any of your listeners or
any of our clients, it's it's really just kind of
you know, we start off really with a needs analysis, right,
so it's it's kind of understanding their current situation. You
know what they're currently on, you know, if they have
health insurance, you know what plans they're currently utilizing. But

(02:40):
then really just kind of getting into the big thing
is medical history, right, you know, we want to know
what's currently going on in your situation. You know, that's
that's really important, you know, especially if you have you know,
preferred doctors, you know, because every plan is a little different,
and you know, this is this is a big thing
that I bring up to a lot of our groups
that we deal with because you know, as an employer

(03:01):
with employees, you know, when we if I was to
do like a group health plan, right and I'm going
with XYZ insurance Company. Well, XYZ Insurance Company has their
doctor networks and their hospital networks that are tied to
their health insurance plan. But when you have twenty thirty
employees and you're sitting in a situation where I have
my rates are starting to go up, you know, I

(03:22):
got to start looking at alternative options, maybe a different
insurance company. And if you change your insurance company, you
have to be prepared that now you're going to be
in a situation where maybe some of your employees are
going to lose their doctors that they've been going through
for years. You know, that's just going to happen. There's
no way to avoid that. And that's a big thing
that we do, you know, in working with groups, because

(03:44):
you know, every plan that we meet with with each
one of your employees, it's custom tailored to them. So
we make sure that you know, when we change their plans,
the plan that they're picking is going to have their doctors,
their hospitals, it's going to have their prescriptions covered, you know,
and that's really our main goal. So we spend a

(04:06):
lot of time diagnosing each employee or each person that
just kind of comes through to make sure that you know,
we're not squeezing that round peg in a square hole.
You know, we want to make sure that they're set
up the right way. Because of how important that is, well, it's.

Speaker 1 (04:19):
It's that because you have so many insurance companies to
work with or pursue and find the right coverage. I
think that flexibility that you offer, I think is one
of the more interesting things and unique things about how
you go about, you know, getting coverage for folks that
you know, with your average broker working, you know, for
pick X y Z insurance company, that's it their policies period.

(04:40):
There's no flexibility there. So that's that's how you can
accomplish and achieve the goals that you're setting out to achieve.

Speaker 2 (04:47):
And then really kind of the next step is, you know,
kind of understanding the different types of plans that are
out there. You know why I love doing this segment
on our show here, Brian is I feel like a
lot of the listeners ended up calling in and seeking
our help have a very good foundation by the time
they by the time they reach me, they're like, hey,
I've listened to the show, I've I've already done some

(05:10):
self diagnosis I've appreciated, you know, especially when we were
doing our Medicare segments, we had so many people calling
with that just you know, you're surprised how just clueless
people can be when it comes to like Medicare and
health insurance in general, because there's so much misinformation out there.
And that's that's something we really try to pride ourselves on,

(05:31):
is getting through the muck I call it and getting
down to like, you know, I try to break it
down and you know, make it very simple for them
to kind of understand, because I know how confusing it
can be, you know, especially big changes like Medicare. You know,
because you're you're you're not accustom to it. You're like, well,
most of the people that come to us are in
a situation where they're like, my benefits were paid by

(05:53):
my employer forever, Like I've never had to do this
on my own. And I get a book that has
like seventy pages in and supposed to comb through it
and figure this whole process out. And then by the
time they're calling me, they're like, they didn't even have
their Part B coverage set up yet, no idea what
advantage plans are. They're like this guy I saw on
a commercials said I should buy this plan. I'm gonna

(06:13):
get a gas card like it's It just gets so confusing,
and it's a lot of marketing out there to it.
That's that I feel can be extremely misleading.

Speaker 1 (06:24):
And I was just gonna say, I mean, moving away
from the medicaid side of it, insurance coverage generally speaking,
you know, I don't think it's insulting when you say
most people are clueless on it. Employers who are out
there shopping the market to get their employees coverage, they're
probably as clueless as anybody else. They don't deal in
insurance X Y Z company come you know, like, oh,

(06:46):
I'm gonna go with them. You know, they gave me
the best rates and you got here. You go guys. Yeah,
I mean, that's that's the type of analysis they're going
to do. They want to get this off their plate
and move on.

Speaker 2 (06:55):
And they spend weeks doing it. I've talked with so
many employers every year they're spending a week or two
are more just combing through and trying to make because
they have you know that they want to do the
best thing for their employees, and they're like, well, I'm
in a manufacturing business. This is what I worry about. Now,
I got to put an insurance hat on. Now, I
got to figure this out and making sure that whatever

(07:16):
I sign off on for the next year is the
best thing for my employees. And that's that's a huge
weight on your shoulders that have to come up with
those potential life changing you know, scenarios, and and then like, Okay,
I save a little bit of money on my rate increase,
But then now I have you know, my employees.

Speaker 1 (07:36):
The employees you lost their physicians.

Speaker 2 (07:38):
Lost their physicians or coverage is completely change, and now
they don't know what's going on, and they're just going
to keep coming to you.

Speaker 1 (07:45):
Yeah, but I like this this discussion because you know,
for thoks out in the audience that are in this position,
you don't have to hire a human resources manager. You
get that when you just called John John, and the
effect is like you're ployee that you don't have to
pay for and has experienced along all these lines and
levels of the medical insurance coverage world and medicare. So

(08:08):
you get the benefits of this knowledge and service without
any additional cost to your business. So just like it's
great you know I've drawn parallels between you and an
attorney many times before. I mean, the hourly rate that
an attorney would get if he was an experience in
this area, would be four or five hundred bucks an hour.

Speaker 2 (08:26):
So I appreciate that acause I know my going rate.

Speaker 1 (08:29):
Yeah. Well, you know, journeys are expensive. Brother, I no
one knows more than me, having done it for so long. Oh,
I trust me.

Speaker 2 (08:35):
I completely understand that We've done multiple business acquisitions and
different things over the years. And you know it's you've
got legal bills. I mean, yeah, I mean it's I
definitely understand that. And you have to put your trust
in someone and I put my trust in that lawyer
to make sure that you know, hey, I'm covering my
basis and that's and that's really what we want from
the listeners and anybody that comes through our office, is

(08:57):
that understand that you know are your best interest is
at heart. You know, we're we want to make sure
we're always doing the right thing for you and that
you're fully informed. But you know, I also know that
you know, when you can sit down and meet with us,
you know we're going to go over a lot of
things and we try to break it down as much
as possible, but I realize that people are only going
to retain so much, you know, during those appointments.

Speaker 1 (09:17):
Yeah, it's like a fire hose of information. Oh absolutely.

Speaker 2 (09:20):
And you know that's a big thing with what we
do here at cover since you know our main focus too,
is it it's after the sale, you know, making sure
that everything's broken down when you do have a question
and you know, or when God forbid that life threatening
situation kind of happens to you, which I mean, I

(09:42):
will tell you right now. Anyone that's gone through a
major claim knows and has seen the process of insurance
and and how cumbersome it is, and how you're left
on an island dealing with an insurance company and there's
claim denials or processes that didn't go through through or
you're just completely confused and you're getting eobs left and

(10:03):
right from every way that stopped in for three seconds
and saw you.

Speaker 1 (10:07):
You know, so you'll get bills out of nowhere, like
what in the hell's this for? This just happened to
me more times than I care to remember. You go
to be like a month and a half or so
after the service is rendered and you end up with
this random bill. You're like, I thought this was I
thought this was paid. Where did this come from?

Speaker 2 (10:24):
We got a bill eighteen months after my son was born.
Oh wow, like eighteen months. I thought we were completely done.
And then all of a sudden, I have the clear
blue You're like, there's a bill, and I'm like, all
right through the process, and then like, oh, you never
build my insurance company.

Speaker 1 (10:38):
Well, I mean fast forward eighteen years. You could be
in a completely different insurance policy by that time.

Speaker 2 (10:43):
Oh yeah, eight yeah. I mean in my end, like
eighteen months, like I'm changing insurance, you know, with my
wife usually like him and hollering, you know, I usually
do that every year or two.

Speaker 1 (10:52):
Yeah, And you've been on record, and you do that
because that way you can experience the reality of working
with that particular insurre in that particular products, so you know,
can properly inform your clients.

Speaker 2 (11:03):
Yeah, I gotta I gotta know who to talk to.

Speaker 1 (11:05):
Yeah. Yeah, well but uh, you.

Speaker 2 (11:08):
Know, just just kind of getting back to some of
the things that I want to keep the listeners at
the forefront. You know, it's really just kind of you know,
also understanding the type of plans that are out there. Uh,
and there's some good resources online, you know regarding you know,
like HMOs or PPOs or epos or high deductible health plans.
But you know, this is really where I think it

(11:30):
comes down to utilizing a good broker to break it
down for you to kind of understand, you know, your
particular situation. You know HMOs, You're going to typically see
that on a majority of your marketplace plans, you know,
and that's gonna be your most restrictive coverage, even on
the medicare side, you know, HMOs are. You know, you
cannot go out of network, so when you choose a
plan like that, you are subjucated to only the doctors

(11:53):
and hospitals that plan is contracted with. So you can't
wake up one morning go oh I want I need
I'd rather go see a better special like you can't
do that if that's doctor is not part of your network.
So understanding, you know, like you know, when I got
first got into this business, you know, twenty years ago,
you know, the the the manager that was training me
at that point in time goes John. The one thing

(12:14):
you need to understand is there's a lot of options
out there, and you know, when it comes to HMOs,
you know we're not gonna you know, we don't want to.
We wouldn't put your worst enemy in one of those programs.
And I took that to heart, and you know, I
know we have to operate in the market now because again,
like the marketplace plans which some of your listeners are on,
I have a lot of clients that are on it
are HMO based. So it's very important that we really

(12:37):
dive deep to make sure you choose a plan like that.
You need to fully understand your situation. But it does
make sense for some people, especially if they're getting large
tax credits, but again making sure like yes, your doctor's
in there and you're going through X y Z condition,
your specialist is in there, we iron that out before
we ever make it. Make it a decision on that
and then you know the other thing too is you know,

(12:58):
this is something that we've talked about. Actually, uh, what
of our I don't know if we ever mentioned you
on the show here. Lina Lina is.

Speaker 1 (13:07):
A sales agent for a cover since a year at
the morning show.

Speaker 2 (13:10):
Yeah, but she always helps with the show. She's always
here with our timer making sure we're on time and
everything that we do. We actually just looked at her
plan uh here, and you know, she asked me to
just kind of review with her. And you know, I
know she's like on a hyaductible health plan, and you know,
those make sense for some people. You know, when I
first started out, you know, one of the first plans
I actually bought as a single person was an HSA plan.

(13:31):
I didn't have a lot of medical expenses, and I realized, hey,
I can put extra money away and sock it away
and you know, tax free, and that made a lot
of sense, you know, when I was just a single guy.
Even when we got married, we kept it for a
few years, but you know, then you start getting the
kids and you you start seeing all the all the
medical expenses that go through there. So the nice thing
I was able to keep that HSA and all the

(13:52):
money that I put into that account, even though we
then change plans to a more comprehensive, you know co
pay plan that had you know, copase for doctor visits
and prescriptions. You know, I wanted to make sure we
didn't have to worry about meeting some six thousand dollars
aductible before all our all of our expenses were paid.
The nice thing is I had that HSA money there
and that we actually utilized that to cover the copays

(14:13):
for years. So that money, that that that that pre
planning that I was able to do knowing, hey, eventually
I like to get married and at kids, you know,
at some point. But all that money that I stalked about, yeah,
we we spent it all, but you know it was
being able to I was able to utilize that money,
you know, for years to help all set this cost
to So again really important if you're listening to this,

(14:35):
you know, when we orchestrate those type of plans for you,
is you know, knowing that the best plan for you
in that situation and then planning for you know, a
long term situation. And then the other thing too, kind
of really getting into and I think this is a
you know a big misconception for a lot of people
that buy health insurance is really kind of understanding costs, right,
and and cost of health insurance is not premium, right,

(14:57):
It's not just the premium. It's not what I'm paying
every month to utilize this insurance plan. You need to understand,
you know, specifically, what is my deductible, right, And you
know this is this is where some people can get
really hurt because I've see so many people call in
and they're like, well, you know, I only have a
three thousand dollars reductible, that's all I have. I'm like, okay,
that's that sounds good, you know, but what's your co insurance?

(15:19):
And they go, I have no idea what co insurance
is and I go, well, that's just an insurance company's
term for another deductible. Yeah, I mean that's really what
it is. You know, it's and it's just basically where
the insurance company and you are kind of starting to
split the bill. And that could be you know, the
insurance companies responsible for eighty percent of the bill, you're

(15:40):
responsible for twenty percent. I've seen them as down to
fifty to fifty. But understand that, guys. You know, that's
that's really important because that's where you can still have
some major exposure. And with the way medical expenses are
right now, I mean you can't even walk into a
hospital and expect to only owe your deductible. I mean

(16:00):
the bills are astronomical. I mean we've seen people go
through emergency rooms and come out with twenty thirty forty
thousand dollars in claims. You know, So then once you
kind of realize that, you need to understand that co
insurance is very important because you know, like we're looking
at what like the marketplace plans this year. You know,
it's it's ninety two hundred dollars out of pocket. So

(16:20):
what that basically means, it's your deductible plus what you
could potentially own your co insurance combined, right, And that's
what your true exposure is. So someone buying a plan
thinking that they, oh, I have a I've seen marketplace
plans of nine hundred dollars aductibles they're out there, but
they still have ninety two hundred dollars out of pocket.
So someone going in for a twenty thousand dollars claim

(16:43):
is going to owe nine thousand, two hundred dollars and
most of those people, almost everyone, can't afford that type
of claim exactly. And then remember that also goes a
step further. That's on an individual, Brian, that's not on
the family.

Speaker 1 (16:56):
Oh, I know, the numbers get so big when you start.

Speaker 2 (16:59):
Talking so big, So now it's for a family, it's
double that. So eighteen thousand, four hundred dollars, you know,
so you know, when you look at a plan, you're
making a termination, like, hey, is this worth me? I
think I'm getting a good deal. And you see, like
I'm paying three hundred bucks a month in my premium,
so thirty six hundred dollars a year, we'll add in

(17:20):
that eighteen thousand, four hundred dollars in exposure. I mean,
you have a bad year, You're at twenty two thousand
dollars really quick, and God forbid, that's a situation that
goes on for multiple years, you know, And that's something
that you just really need to understand. That cost and
I call it the true cost of health care. You're
out of pocket expenses plus your premium is your true

(17:41):
cost or health care. And that's something when we sit
down and meet, our absolute mangal is to alleviate that
number as much as possible.

Speaker 1 (17:49):
And you can do that with again putting together different
policies of insurance.

Speaker 2 (17:55):
Yeah, we call it layering coverage. I mean, the best
analogy that I was able to really come up with is,
you know, I look at it. I call it like
the bullet bullet proof plan. You know, think of like
body armor, kevlar, if you're wearing bull you know, protecting
you from a bullet. And I always say, you know,
the day you're born, a bullet was fired at you.
It's just a matter of time before it hits you.

(18:16):
You know what, how many levels and layers of protection
do you want between you and the bullet? Do you
want to feel it? How hard do you want to hit?
And what most people don't understand is, just like anything,
if you buy just the major medical plan or you
buy just a catastrophic policy, yes, I mean it's gonna
protect you at maybe a high level, you know, for

(18:37):
you know, a million dollar claim or something like that.
But it's all that financial exposure we just talked about
that you're still on the hook for. So when we
build a plan, we we do it like a good
financial planner. You know, I'm not going to put all
your eggs in one basket, right, we can spread it
around and a lot of cases it's by combining multiple
insurance policies, things like accident policies, indemnity plans that pay

(19:01):
first dollar coverage. Critical in those policies, you know, cancer,
heart attacked, stroke plans that are going to help pay
that massive claim that you're gonna have every year. So
by putting those levels of protection bed in front of you,
it's protecting you from that eventual bullet. And that way,
you know, when we meet with you, when we show
your true cost of health care, I can say, hey,

(19:23):
eighty percent of your potential claims, you'll never see this
eighteen thousand dollars because of how we package your plan
and we really break it down for you. And that's
really our main goal is to like again reduce that.
If you're coming to me paying three undred bucks a
month and you have ninety two hundred dollars out of pocket,
my goal is to beat that, you know, twelve thousand

(19:44):
dollars out of pocket that medical and that's what we're
looking at. So it's just so so absolutely important.

Speaker 1 (19:53):
I think it's important to note there's someone that like, oh, cheez,
how would I how would I keep the track of
which insurance policy applies and which situation got out? Yeah,
and I get that. But going back to the point
you were making earlier about denied claims or the EOB
you know, onslaught if you had a hospital stay confusing, Yes,
claims might get denied. Yes, you guys are there to

(20:13):
iron it out. So the one phone called her cover since.
He explain the problem to you guys, and you take
the ball and run with it. You resolve the claims,
denials and the payment issues. The same thing goes with
any confusion over insurance policies. If you're getting ready to
go to the doctor or you're kind of confused about it,
you end up in landing to the hospital. You talk
to the team at covers since and you walk them

(20:33):
through how they utilize these policies.

Speaker 2 (20:36):
Yeah, and it's always so good to be preemptive too.
You know, we get a lot of clients that call
in and go, you know, just Saul Orthopedic, He says,
I need to get a surgery. You know, I fell
down three weeks ago, and you know, really we just
had a woman she just fell down and Burger's shoulder,
you know, and now she needed surgery. So he walked
her through the situation. She actually had three levels of coverage.

(20:59):
She had, you know, major medical plan with you know,
high ductible I think it was like eight thousand. But
but she also had an indemnity plan that actually had
a surgical benefit that was going to pay five grand.
But the third level of coverage, she actually had an
accident policy, so we walked her through that exact scenario, said, hey,
before you go in, this is how we want you
to present your insurance plans. So we basically told her,

(21:19):
you're going to utilize your major medical plan that's going
to pay the full brunt of this sixty thousand dollars
surgery that you're about to have. Then we're going to
file the claim through your accident and policy and they're
going to pay that eight grand for you. And they
had a two hundred and fifty dollars adultable. Oh so basically,
and then the third level of coverage was we were
then we're gonna then go to process help you walk
through how to submit a claim to processes through your

(21:42):
indemnity plan. So the first plan, of course, paying the
big part of a bill, the accent policy covering that
eight thousand dollars exposure that she had with a two
hundred fifty dollars adultable, and then the indemnity plan paying
five grand for the surgery we were using as a
reimbursement directly to her, so she's actually gonna get a
check for five grand. And then utilize two hundred and

(22:02):
fifty dollars of that to pay the deductible and the
accident policy. So yes, she's gonna be up four thousand,
seven hundred and fifty dollars and that situation.

Speaker 1 (22:10):
So it just the stuff amazes me. Every time you
come up with an illustration like that, it just blows
my mind.

Speaker 2 (22:16):
And it's it's simple for us because we do it
all day. I understand how confusing that can to be
with somebody else. And that's where were it's really why
we tell them. You know, every client that we talk
to is the moment you feel like you're going to
have a claim over one thousand dollars, reach out to us.
Let us walk you through that to make sure it's
iron out the right way. And you know, you just

(22:37):
hear so many times when when people call and they're
like oh that big oh yah relief, you're like, Okay,
this makes sense, thank you so much, or oh god, John,
thank you for talking me into that accident policy. I
kept telling you I wasn't going to use it. I'm like,
she was like fifty five years old, and she's like,
I don't need an accident policy. I don't do anything
like this, Well, guess what happens when you slip on ice.

Speaker 1 (23:00):
Well, the world isn't in perfect place, There's no question
about that. That's why you're in business. That's true, and.

Speaker 2 (23:06):
It's why you know we've done so well. And you know,
our biggest thing for our company, we talk about this
all the time, is, you know, persistency with our clients.
We want to make sure we keep our clients and
the only way to do that is by being able
to have that service afterward, by keeping people happy and
keeping people well informed. And we've done a fantastic job
at that. We just did reviews of all of my

(23:26):
agents that work out of my office and we would
go over their persistency numbers, and I mean, and when
you're approaching ninety five percent, I mean, I feel like
that's pretty insane in this business. When I talk to
other agency owners out there, and you know, they're lucky
to be over seventy percent. And I take that as
a big testamentto you know, what we've been able to
accomplish that cover since.

Speaker 1 (23:47):
Well, that's like Lynay why she's so good at sales,
because she does things like today helping out. She gets
in touch with you regularly. She wants to make sure
you're happy doing follow up, making phone calls, staying in
touch with the sponsors on the program. So it's an
important element that customer service.

Speaker 2 (24:02):
Yeah, I absolutely agree, and you know, just kind of
going back to some of the other things that are
really important. You know, when choosing a proper healthcare plan
is always look at the prescription drug coverage.

Speaker 1 (24:13):
Right.

Speaker 2 (24:13):
That is something that's I think is so imperative because
it's not just doctors and hospitals. Every insurance company and
something they call their formulary list. It'll be a list
of the prescriptions that the actual insurance company will pay for.
So it's not even a question of you know, hey,
is this gonna you know, how high is my copey.
You know, I've seen a lot of people going through

(24:34):
major situations. We have a you know, client that actually
came on the show one time and she's dealing with
it with the condition right now that you know, she's
on a four thousand dollars a month medication, and you
know that was something you know, when she made that
switch and change, you know, she brought it back to
me and you know, we sat down and ironed it out,
making sure that the new plan that we were rolling

(24:56):
here for this year had that drug and everything covered,
so you know, I knew what she was going through
in that huge sense of relief. You know, I can
definitely hear it over the phone, you know when she
called in.

Speaker 1 (25:07):
It's amazing how much some pharmaceuticals can cost. It really is.
And you've you've made those comparisons before and talking about
sometimes you'll you know, have prescriptions filled through Canada or
that four thousand dollars per month prescription here in the
United States for a pharmacy locally would only set you
back arbitrarily picking a number one hundred dollars, two hundred dollars.

Speaker 2 (25:26):
It's Brian, it's every week we're tell clients about it.
You know, It's like we just had another one the
other day. It was, you know, the four dollars drug,
right I can get I can show you how you
can get a shipped in for a nine a supply
through Canada for one hundred and twenty bucks in every
ninety days. Like it's just unbelievable how we can do that.
And it goes a step further too, because you know,
we'll even break it down for people for like prescription

(25:47):
copey cards, you know, like manufacturer discounts and patients assistance.
I mean, there's so many options out there that people
aren't aware of. And I can show you, well, yeah,
I can sell you the two thousand dollars month plan
it's going to cover the five thousand dollars drug ug
But you know, I can also show you a plan
that's half that price, and I can show you how
you can get a patient assistance program to cover the drugs,

(26:07):
so we don't have to worry about paying more money
for the health insurance plan to cover the drug. And
we've been very successful doing that for people, and that's
so that's another way we can save them money is
you don't always have to go buy the Cadillac policy
to cover that drug. I mean, and I hear it
all the time, you know, especially even with the new
the weight loss drugs and stuff like that. You know

(26:28):
a lot of we have clients that are diabetics or
looking for that, and we had a huge shortage not
too long ago on those meds, and you know, they're
all kind of up in arms, and you know, we
we do some of the places locally that you know,
actually had they were doing their own compounding, and you're
talking about a thirteen hundred dollars month drug that people
were getting for you know, two to three hundred bucks,

(26:49):
you know, so saving that's massive, and the the Brian
the plans that cover that are astronomical right now.

Speaker 1 (26:56):
Coming back to your you know, two thousand plus dollars
a month coverage.

Speaker 2 (26:59):
Yeah, I mean, you don't always have to do that,
and you'd be surprised how many people have fallen into
that situation.

Speaker 1 (27:05):
Surprised how many people are taking those drugs as a
zempic and things like that. It's a I can't go
five minutes of my day without hearing a commercial for
some out.

Speaker 2 (27:13):
It's it's it's it's it's massive. But again it's what
the physicians are seeing I think really help with the
A one C levels. And then of course typically people
that are diabetic tend to be overweight, so it's kind
of like a double sword at that point to be
able to help them fair enough.

Speaker 1 (27:31):
But we can get just a little bit more. We've
got just a few minutes left in the segment. I
don't know which direction you want to go before we
wrap things up here this morning.

Speaker 2 (27:38):
You know, again, other things that are really important for
you guys too. Just think about open enrollment, especially, like
you know, we're out of the open enrollment for ACA
right now, but that doesn't mean you can't qualify for coverage.
There's so many other options that we can do. You know,
Employer groups are still changing. We actually just have an
employer group that's through the open enrollments in March. It's
a good time for you to compare, you know what

(27:59):
even you're getting from your employer to see, you know,
doesn't make sense that I stay there. And we've helped
so many listeners navigate that situation because you know, again,
a lot of especially small employers cannot really pick up
the full brunt of like the rest of the family's insurance.
They're not covering one hundred percent. So we get a
lot of listeners that call on and going, hey, you know,

(28:20):
I'm paying like twelve hundred bucks a month for my family.
But then the first question I go, well, how much
does it cost for you in your employer group, And
they're like, well, less than two hundred bucks. So it's
really the rest of the family that's cost you like
a thousand bucks a month. Let's look at their situation
and see if it makes more sense. And you know,
we've helped so many people save thirty forty fifty percent
by just shopping their options.

Speaker 1 (28:43):
Options take looking at it from a different perspective. You know,
one size clearly does not fit all, and that's why
John and the team will be in a position to
help you out. It's a five one three eight hundred
call five one three eight hundred two two five five.
If you want to get the processes started, call them
up an appointment, or alternatively, go to the website which
is covered sinci dot com as a forum there fill

(29:05):
out as much as possible on that form and listen
without the process. But you know, if you need something out,
I'm sure John and the team to make sure they
get the information they need to add actillion properly. GA
where you are help to save money, get your dollar?
What covers, what it's all about cover sincy dot com.
This has been another question you think healthcare together by
time right here, and of course John Room and Colla Holliday,

(29:29):
we'll talk about Jill and Brian. They need voice there