Rethink Healthcare Together - Medicare Made Simple ACA changes for 2026

See omnystudio.com/listener for privacy information.

Episode Transcript

Speaker 1 (00:01):
Ahis Ryan Thomas with John Rollman from Cover. Since you
can find one line of coversincey dot com the number,
I'll give it to you more than one time during
the segment here five one three eight hundred and two
two five five. You're definitely going to reach out. Want
to reach out and talk to John or one of
the team members of Cover since he and this is
another edition of Rethink Healthcare Together. Of course, I'm normally
hosted the fifty five care See Morning show Monday through Friday,

(00:22):
but I like to call myself a facilitator of this
conversation about medical insurance and the better path to getting
medical insurance and a lot of the pitfalls that people
find themselves having to deal with that they wouldn't have
had to deal with had they gotten in touch with
John on the team ahead of time. He's keeping you
out of problems. And you know last week we did
talk a lot about medicare. It is that time of year, John,

(00:43):
you know, it's such an eye opening thing. I'm not
there yet, thankfully, but I know it's coming at me
very quickly. But there's just a lot that people need
to be aware of at this time of year. If
you're on Medicare, you're getting ready to go on medicare.
So let's die back on into some of these important
points John one.

Speaker 2 (01:00):
Hundred percent and Brian, we're also going to talk about
the ACA. Yeah, I give a little teaser heavy well,
I mean, because that's going to be really important. I
really want people to hear this. Anytime you have governmental
intervention into any segment like this, so Medicare there's a
huge governmental intervention. Last year, you're looking at the huge
governmental interventions with the tax credits and and and basically

(01:23):
called meddling into what we've been doing on the under
sixty five health insurance has ken Kenon always has had
drastic ramifications on what we do and and and what's
available client negative ones, Oh yeah, usually negative. But I
mean even in negative situations, I always look at it

(01:45):
as there's always opportunity, right, there's opportunity to do different
things and think outside the box, uh, to really help
clients navigate you know, options, and and again my goal
always Brian, is to try to minimize you know, the
upfront financial costs to clients on the actual health insurance
premium side, but also minimize the financial exposure of having

(02:07):
a US your health plan, right right. I mean that's
a huge burden in its own but we'll start the
segment today. You know, really going back into Medicare. We
talked about this a lot last week, so if you
have an opportunity to go back and listen to that,
because we did bring up some really good things with that,
and you know, breast cancer awareness. But the biggest thing,
of course, that I can't stress enough is the drastic

(02:29):
changes that we're seeing on the Medicare advantage side. So
you know, right now you have an opportunity to look
at your options for Medicare. Your open enrollment is between
October fifteenth and December seventh. That is your one time
change a year that you can look at your options
for your prescription drug coverage. You can look at your
medical plan. You know, even if you're on a Medicare supplement,

(02:52):
look at what you're paying in premium. I get a
lot of listeners that call in and going, well, I'm
a Medicare supplement, I have you know, a few medical issues.
I don't know if I can change. It's worth a
phone call to see if, especially at this time of year,
if it makes sense. And the biggest reason why it's
starting to make sense, Brian. And you know, I'm a
firm believer in Medicare supplements or in here in Ohio

(03:15):
we call metic gap plans. Yeah, we talked about this
last week, and you know, again it's it's something I
wish that everyone can financially afford. But there does come
a point when these plans can be very expensive. And
I think we're starting to see the market shift a
little bit more now because really it's the prescription side too.

(03:36):
So what happens is if you're paying for Medicare supplement
and you're paying two fifty three hundred bucks a month,
maybe I just ran too a client last week that's
paying five hundred dollars a month for their Medicare supplement.
Right there starts becoming a time when those Medicare supplements
are way too expensive. You're not getting the coverage for
what you're paying for. And now with the prescriptions, significant

(04:00):
can lead increasing in price. You're going to see people
that have to pick up prescription plans that are well
over one hundred dollars a month. So you're looking at
a plan that could be one hundred and thirty one
hundred and fifty dollars a month for prescription coverage and
you're paying three hundred bucks a month for a Medicare supplement.
You're paying almost six grand a year for your ad

(04:21):
on Medicare coverages, and that's a lot of money, yes,
for someone that's typically going to fix income. Right And
I always start saying, hey, there comes a breaking point
when we should start looking at the Medicare advantage plans.
And I know a lot of listeners, you know they go,
but John, you've talked numerously a lot about Medicare supplements.

(04:43):
You know, I look at everything on a dollar value
to benefit. You know, if there's a good situation where
I feel that you should look at a different alternative,
I'm going to present it to you and show you
how that will financially affect you. And a lot of
times I'm not going to make a recommendation unless it's
something that I would do for myself. So again, that's
why I think it's so important to look and shop

(05:05):
your Medicare regardless if you're on an advantage plan, you
definitely need to shop your prescription plan right now. But
even if you're on a supplement and it started creeping
up in price, you're like, hey, this is starting to
affect me a little financially on some of the other
things I'd like to do. It's a really good time
to at least look and explore what options are available
to you.

Speaker 1 (05:22):
And to do that you just get in touch with
John and the team there. And I just can't emphasize
enough this is not something you're going to have to
pay for that They're willing to sit down and do
this analysis with you for free. Get insured through them,
and they'll also help you deal with claims problems. I
haven't mentioned that in a couple of weeks there, John,
So I like to emphasize you get this wonderful team
that's working for you throughout the relationship and at no

(05:45):
cost to you. So you get a denial EOB you
don't understand it, you don't want to deal with it,
you don't't be on the phone with an insurance company.
Let John and the well oiled machine that they are,
they know who to call and how to resolve the problems.
We'll be happy to take care of that for you.

Speaker 2 (05:57):
And we know who to last escalate problems to try.

Speaker 1 (06:00):
Well, you have the phone book, I do you have
the black book? I do have the Black Book, the
Epstein Book.

Speaker 2 (06:06):
I'm just kidding, well, I mean I literally have phone
numbers and for insurance companies and they go, hey, don't
get this number out to anybody, right, Yeah, that's the book.
I'm like, no, I mean, it's gonna be my office.
But it's you know, that's you know, jokes aside, you
have to. I mean, we I've been done this so
long that I've had issues. We're just like, I'll give
you a classic example. I have a client right now
dealing with the problem. The insurance company said they paid

(06:29):
the bill, the doctor said they never received the check.
And my client's in limbo. And then this is something
we've been dealing with for like six weeks now, and
I mean fighting and fighting and and you know, I'm
going through all the channels, all the channels now. I'm
having conversations with the vice president of the insurance company.
I'm like, you need to figure this out. Where is this,
Where is this going? Your system saying it's paid, doctor's

(06:52):
saying it's not paid. And that's we don't really see
that very often, but this is a just a prime example,
Like what does a client do You're not getting the contact, right,
you know you're not having that conversation, and I mean
it was literally the conversation of going, well, if a
check was mailed, it was never cash, so just remail
the check, right.

Speaker 1 (07:12):
I mean, that's simple, But.

Speaker 2 (07:14):
I mean six weeks, you know what I mean, it's
and that's and I get it. I mean, I can
always tell clients lists. If we're there to fight for you.
Things might not happen at at you know, flash speed,
but we will continue and you know we're getting that
one resolved.

Speaker 1 (07:28):
Fair enough something that you've mentioned. It's kind of frightening. Reality.
Timing is very important when you're dealing with medicare because
you might get stuck in a situation you can't get
out of. We talked about it a little bit about
this last week.

Speaker 2 (07:41):
Yeah, it's so important because you know, again October fifteenth,
December seventh, that's your trying to change. If you don't
change and you don't look up, hey, is my doctor
taking this plan for twenty twenty six, or or you're
on an HML, or just any number of issues that
you can have, or maybe just didn't double check a
see hey is even though I'm on the same prescription.

(08:02):
When are they still covering the same two thousand dollars
a month med that I'm taking. You need to have
that conversation to look at it, because if I don't
get in there and take a look and make sure
everything's good to go for twenty twenty six, January first starts,
you go fill your prescription, they go, sorry, man, it's
not covered. You're like, what And there's nothing I can do,
not until the next year, until the next year, so

(08:24):
you have to change your med So, I mean, it's
it's it's a hard pill to swallow.

Speaker 1 (08:27):
That's why it's just so important. Just sorry, hit a
rishot that one.

Speaker 2 (08:31):
It's just it's just so important that you have those
conversations because we're again, like I said, in the years past,
you win that have had to look at it because
of the governmental interventions and changes the medicare the last
couple of years. This is just affecting everybody, everybody, everybody,
and pricing is skyrocketing and I can't stress that enough.
And that's why it is so important to start looking

(08:51):
at your options and you'll just like we talked about
last week, you know, we're looking at prescription plans. I mean,
the average increase Nationally, they're telling us it's twenty percent.
I ran numbers here Locally it's way higher, So I
don't know where they're getting twenty percent from. It's I'm
talking hundreds of percent in different plans. So that's why
it is so important for anyone on Medicare especially. You know,

(09:13):
you should have your prescription trug coverage, you're part decoverage.
But we definitely need to have that conversation and then
look at the alternatives. You know, Like I said, you know,
there comes that point, and I've had a lot of
conversations with clients here recently that are paying a lot
for their Medicare supplements. Listen, a Medicare supplement works really well.

(09:35):
Number few factors. Maybe you're retiring, you're doing a lot
of traveling. I Am not going to be in the
Cincinnati area, or I'm traveling from different states, or I
got family, I go spend three months in Florida, I'm
a snowbird. Makes sense to do maybe a Medicare supplement
at that point, But there comes a point where that
supplement starts getting so expensive and it's just not worth
what you're paying for to potentially move to a Medicare

(09:56):
advantage plan, and that's why we try to have those conversations.
And the biggest thing that people always think on the
Medicare advantage side, and the turnoff to them is they go,
I have to worry about doctors being in and that
a network yes and no. Yes, if you're on an HMO,
I was.

Speaker 1 (10:13):
Hoping you were getting back to that one.

Speaker 2 (10:14):
So the HMO is your biggest downfall. Typically has the
better coverages and the lower copays, but it's the most
restrictive plan because you can't go outside of that insurance
company's network. But if you go to a PPO option, right,
you can still go out to network. And most of
the time the difference between you know, typically what I
look at what the cops are right with Medicare advantage,

(10:36):
a cope for seeing a specialist might be thirty or
forty bucks in network. Well, if you go out of network,
it might be five or ten dollars more. So you know,
I'll make sure your doctor's covered come January first, But
what happens if he leaves in June?

Speaker 1 (10:51):
See, that's the HMO problem right there, That's the HMO problem.
So that's scary man, because you're limited in geography, you
can't go any place. But just because you're limiting in geography,
the medical providers might not be there mid year. They
can pull the plug and just walk away from the program.

Speaker 2 (11:07):
And they do every year. And the best part about it,
if you're on a PPO plan, maybe your code pick
us up five bucks and you can still see your specialist. Yeah,
you know, that's the benefit of looking at that. So again,
I can't stress enough. If you're on an HMO, you
should give us a call just to see if a
PPO option is better for you, you know, so that
gives you the flexibility. So yes, if you're moving from
a Medicare supplement to a PPO plan, here's some of

(11:30):
the biggest advantages for you. Number one, you know a
lot of these still have a zero premium, right, so
you might be going from someone paying two hundred and
fifty three hundred bucks a month to now that's something
at zero that's saving you almost four grand a year
in premium. Now, look at what you're paying for the
prescription coverage, right, So that prescription plan could be really
expensive now and we're seeing plans well over one hundred

(11:52):
bucks a month. So if you're paying another hundred bucks
a month. There, Well that's another twelve hundred bucks a year.
Now you're over four grand in premium a year. Well,
some of the Medicare advantage plans you start looking at,
you know, might have a maxim out of pocket a
four or five or six grand a year. Well, you're
already paying the difference in premium. I'd rather that money
in your pocket than the insurance companies. But here's a

(12:15):
bigger factor, Brian. The biggest out of pocket expense that
comes with Medicare is your copays each day that you're
in the hospital. So if you're ever hospitalized, you'll see
copes ranging anywhere from like three hundred to six hundred
bucks a day while you're in the hospital, depending upon
your location, in which plan that you have. That could
add up, but usually they'll cap out it somewhere between

(12:36):
four to six days. So if you're in the hospital
for a month, you're only paying for the first four
to six days, so you're talking maybe two three grand
out of pocket. That can still be scary because what
happens six months later if you go back in the hospital,
it restarts again, right, and you might get closer to
that out of pocket maximum. Most people aren't going to
see this on things like doctor visits and specialists. I mean,
if you have a five thousand dollars maxim out of

(12:58):
pocket and your copay for a specialist is that's all
you're doing. You can go to hundreds of specialists and
still not get to that cope and that maxim out
of pocket. But one of the things we're starting to
look at, especially with the clients coming off Medicare supplements
and anyone that's calling in there are now plans I
kid you not, Brian, just like we're doing on the

(13:18):
under sixty five, the supplemental coverages that will pay your
hospital copays and your surgical copse, which is your second
biggest cope for you. And these plans are like less
than a dollar a day, So less than a dollar
a day you can add on a plan to your
Medicare advantage plan, so we're talking thirty forty bucks a

(13:38):
month that you will no longer ever have to pay
a hospital cope or a surgical cope. This can save
you thousands of dollars a year and literally makes a
Medicare advantage plan that has a zero premium as close
to a Medicare supplement as you can possibly have. So
we're saving clients a tremendous amat amount of money going

(14:00):
that route. And here's the best part about it. When
we help them free up thousands of dollars a year,
they can start looking at other things that maybe they
couldn't financially afford, things like adding on extra cancer coverage.
That's a good right.

Speaker 1 (14:16):
We talked about that I.

Speaker 2 (14:17):
Had on more cancer coverage, so that can help you
get some money. Or if you do have to travel
and go at a at a state and get your treatment.
Number two, start looking at you know how many people
lose their life insurance. They don't carry life insurance anymore.
Even a small little policy for a burial, you know,
is a good financial plan for you, even as a senior.
But here's the biggest one that I can't truss enough.
People look at things like facility coverage. God forbid, you

(14:43):
come down with you know, something like Alzheimer's or have
her stroke, who's going to help you with home health care?
Medicare don't pay for that, right. No one's Medicare is
not going to have some nurse come in your house
and take care of your wife because she had a
stroke and you're sitting there at your home health care.
So that's a good time if you haven't been able
to financially look at that before. If we can save

(15:04):
you some money, that's something you can add on. Because
more and more people are got, you know, in the
stage getting into some sort of facility later in life.
And listen, you don't want to start depleting all of
your assets because your wife has your wife or you
has to go into a facility and get treatment.

Speaker 1 (15:20):
All right, Since we're speaking about medicare age folks here,
you mentioned the cancer policies, So those separate cancer policies
for someone who hasn't been yet diagnosed are still available
for the senior population. You're not actuaried out of that possible.

Speaker 2 (15:35):
Now they get more expensive, but at least at that
point in life you might not need one hundred thousand,
but ten sure fifteen thousand to get you to where
you need to go. Put you in a hotel room
to say that check upon diagnosis. That's still there for you.

Speaker 1 (15:49):
Now. Pivoting over to some of the other types of
coverage we talked about in the past, like the home
healthcare aids, there are policies out there because you and
I have talked about one maybe that I'm going to
get to pay for some time for people to come
into the home and care for you. Are those still
available for the senior community, you're in the Medicare community.

Speaker 2 (16:12):
Yeah, I mean the only prerequisite from one of that
we have a very good home health care plan we
do with one carrier. The only prerequisite is that you're
already not in that situation, right.

Speaker 1 (16:20):
No, No, I mean yeah, don't call the insurance company
when your house is on fire already for a fire insurance.

Speaker 2 (16:27):
You could be like, hey, I'm overweight, or I'm diabetic,
or I had cancer in the past. That doesn't affect
you from getting home health care. So the home health
care plan that I've helped clients with, I mean, and
you've seen the pricing, I mean, they're you know, a
dollar or two a day, depending upon your age, can
help pay for someone to come take care of you.
And it might not be something that you need to
have every single day, but you know, maybe you're still

(16:48):
there with your spouse and they might help out a
little bit. But you know, maybe you need somebody once
or twice a week to come in and help, you know,
that'll pay for that, so I mean, or if you
need every day, that's that'll pay for that too. But
it's it's there for that peace of mind, because that
financial burden, to be honest with you, usually falls on
the kids.

Speaker 1 (17:07):
Oh. I have a dear friend of mine who's he
did the numbers the housing. His mother lives in a
very very nice apartment. It's a not assisted living facility,
but she's in her nineties apartment, food and twenty four
to seven care. She is never unattended. He very insistent

(17:32):
upon that. More than two hundred thousand dollars a year.

Speaker 2 (17:35):
Oh yeah, I mean, and.

Speaker 1 (17:37):
Here's shouldering the burden of the in home care.

Speaker 2 (17:40):
I mean what I mean, that's that's a tough pill
of swallow. What do you do in that situations? You know?
I mean even home healthcare is running at four to
five thousand dollars a month, and then you start looking
at the average facility costs as over ten grand. I mean,
the local places here charged twelve to fifteen thousand. You
know for a good place. You know, where do you
want to put your mom? You know, that's a question

(18:01):
need to ask. I mean, but it's you know that
shouldn't be on me to where do I put my mom.
It should be my mom making sure she had a
plan that I can put her in someplace. That's why
you take care of it right now, take care of
it now, that's right. So again, it gives us a
lot of flexibility. So if you are going to call
in and you do want to have a Medicare conversation,
we will show you all those plans. I've trained my

(18:21):
entire staff on that, just to show you what those
options look like. Of course, listen, I'm not pushing anything
down your throat, but at the end of the day,
I want you to know what's available, because you're not
going to walk out of my office and go John
never told me that, John, if I would have taken that,
if John what I told me. Now, we're going to
share with it and show you what it looks like.
Because I know, of being in this business so long

(18:42):
and seeing what people go through in those hardships, why
these plans are so important.

Speaker 1 (18:47):
And to reach John on the team five one three
eight hundred call five one three eight hundred two two
five five or online at coversince he dot com. Fill
out the form on the web page you'll get right
back with you, and you are really good about getting
right back with people. John have become painfully aware of that.

Speaker 2 (19:04):
It's easier when the phone rings than somebody answers. That's
we've made that very simple. I mean, it's it's very
seldom does somebody have to leave a voicemail with us.

Speaker 1 (19:13):
Is Saturday morning?

Speaker 2 (19:14):
That is true, there's nobody on Sunday morning.

Speaker 1 (19:16):
Nobody on Sunday mar We do have a live chat.

Speaker 2 (19:19):
Feature, so there actually is someone on the live chat feature.
So if you actually do chat on our website, you
can ask. We always have someone on call that's on
the live chat.

Speaker 1 (19:26):
Feature and they're here domestically. Yes, yeah, you're working with.

Speaker 2 (19:29):
Steve and no, that's actually I require my agents to
answer it. So they're they're on call on the weekends.
So I guess you never know the situation somebody might have.
You'd be surprised how many people the Sunday is the
last day of the month and they need something for
that next Monday, and there's someone there that can help them.

Speaker 1 (19:45):
All. Right, where do you want to pivot it or two? Now?

Speaker 2 (19:47):
Like the ach Yes, so I really want to get
into the ACA because you know. Again, if you guys
are listening to us, we mentioned that you know, and
this is you know fore warn. I want you guys
just starts calling in and scheduling because it is so
important because just like everything else, this time frames matter.
So right now, without any governmental changes, the open enrollment

(20:08):
for the Obamacare plans or Marketplace plans or ACA or
whatever you want to call them is November first through
December fifteenth, so we have a shortened window forty five
days again to make your changes. And the ACA has
had the biggest change in all of health insurance this year,
as you might be aware because I've actually heard it

(20:30):
on your show. You know, this is a big talking
point right now with Congress is the renewal or the
extension for the COVID relief bill that helped with tax credits.
So right now that hasn't been to effect, so there
is no extension there, so a lot of people I
think it's almost two million will be losing tax credits completely.

(20:54):
Most people, even under four hundred percent of the federal
poverty level, will see a reduction in their tax credits,
so they're not even getting the full amount like they
were doing during COVID The other thing that's happening too
is the CSRS, the cost sharing responsibility that was happening
for the lower income individuals that were getting tax credits
where they were getting a very low deductible or offsetting

(21:16):
their copays and out of pocket expenses on those Silver plans.
Those are also gone for January first, So this is
actually impacting our lower income individuals because they're out of
pocket might have been fifteen hundred bucks a year. Well
guess what it goes at ten th six hundred January first.

Speaker 1 (21:33):
That is dramatic.

Speaker 2 (21:34):
It's a dramatic increase increase. And of course that plan
had a premium, so they're paying a lot more for
that plan. They don't need to be on it anymore.
That's what I'm telling them. If you're on a silver
plan right now and you're getting a CSR, that cost
sharing responsibility are you just look at your health insurance plane.
If it's load deductible under two grand, this is gonna
affect you, okay. And if you're on a Silver plan,
So what's going to happen is that plan is going

(21:56):
to go up to ten thousand, six hundred. You're going
to go to a seven thousand dollars retable, and I
can probably save you one hundred bucks a month by
moving you to a bronze plan has exactly the same coverage.
You don't need to stay in a silver plan anymore
because you're not getting that cost sharing reduction anymore. So
that's why it's so important for you to call in.
But number two, major insurance companies are leaving the network.

(22:18):
We just lost ATNA, so atna's gone, they pulled out.
So if you're on that in a plan, you have
no insurance January first, you have to change to a
different plan. And a lot of the insurance companies, again,
just like the Medicare side, are reducing networks. We're seeing
hospitals leave. It is so important that you double check
because you probably I mean will be losing your primary care.

(22:42):
In certain cases.

Speaker 1 (22:43):
Especially has to let its people know that that's what's happening.

Speaker 2 (22:46):
Are the obligated the marketplace isn't and the insurance companies not.
Typically you hope you get a letter from your doctor saying, hey,
your insurance company is leaving. But again it's it's one
of those things that happens at the minute sometimes and
you know it comes into your spam mail if you
get one. Yeah, and that's just why it's so important.

(23:07):
If you're on a marketplace plan, you know, just give
us a call. There's no additional costs. I would behoove
you not to call into healthcare dot gov and have
them do it for you. Go through an independent broker.
It's exactly the same cost, and you get all of
our services for free, and we can show you how
to minimize those out of pocket expenses. You know our goals.

(23:28):
Of course, I don't want any client to ever call
me and go John, I was just in the hospital
and I owe ten thousand, six hundred dollars. I don't
sleep well at night thinking I have a client that
has a ten thousand dollars exposure. You know, we're going
to show you ways to offset that, just like we
have on every other show that we talk about. There
are things that we can do that are very affordable,
even for our lower income people to you know, make

(23:50):
sure that they're never going to pay ten grand if
they go in the hospital.

Speaker 1 (23:53):
Well, and at least alert people to the realities and
the risk if they want to make a choice that's
in there what they perceive to be better financial interest
by going for the lowest, cheapest option available. You're going
to tell them flat out, this is the potential problems
you're going to face. You can choose that. I'll right you,
that's not a problem, but you may be in financial
turmoil down the road. Let me show you a scenario

(24:14):
or two how that unfolds well.

Speaker 2 (24:15):
One d percent And the other thing to look at
is like, listen, I can't stress this enough. There are
so many other options in the market today in every
state in the Union that I can write for that
are not on the Healthcare dot Gov portal. There are
still so many private options. And you know, with all

(24:37):
these changes, we've actually had an increase of more plans,
so insurance companies are giving us alternatives. There are alternatives
to Obamacare, and especially if you're paying full price. I
will tell you, on average, if you're paying full price
on a marketplace plan, I'm saving those clients forty percent
on private insurance. So it's worth a call to see

(25:00):
if you can qualify to get one of those plans.
But it makes so much more sense moving that way
because again I always tell people, listen, the marketplace plan
works great if I'm getting it for next to nothing.
If I can get this plan very affordable for my
family and that's my catastrophic coverage because I get good
tax credits, Go go do that. Or maybe I have

(25:20):
to be on that plan because I have a lot
of medical issues or needs that have to be met,
and that's how I'm going to get my coverage. But
for the majority of people don't need to be on
the marketplace plans. And what frustrates me is how much
marketing is going out there to drive people that don't
know until one segment that is not a good fit

(25:45):
for majority people that are there.

Speaker 1 (25:47):
Well, you know this understanding of market and the realities
that you know, market forces are still at work out there.
In spite of the fact that we have this thing
called the Affordable Health Care Act. There are still independent
insurance companies out there writing, dealing with market forces, presenting
creative alternatives to that one size fits all. But that's
the thing. They lie to you or or market it

(26:09):
in such a way that they make you believe that
really this is it. And the goal is ultimately get
everybody on Medicare or Medicaid across this great nation of ours,
to eliminate private insurance generally speaking, Well, right, I love
you man, because you're telling people that does not have
to be it.

Speaker 2 (26:23):
It doesn't. And that's that's why I like being on
this show. It's like I can talk on this radio
stations because I feel like so many of those people
are at least in the know. They want to get
that information. You know, they're not going to be swayed
by what our government always tells them.

Speaker 1 (26:38):
Right.

Speaker 2 (26:39):
But we're actually in a good market for health insurance
right now. I mean I always say typically when we
have a Republican president, we get more options, right, So
we got short term policies back, you know, that's something
that just came back a month ago. We have ARISA plans,
we have catastrophic plans. There's there's so many alternatives right
now to look at. This is the perfect time of

(27:01):
year to look at it. Even if you already have
an alternative the ACA. Right now you're on a different plan.
Perfect time to look at your situation because you know
why most plans function on account to your basis. So
January first, your deductibles renew It's the best time to
buy it. I'm not having a change your plan in
the middle of the year. And give you a brand
new deductible. Right, this is when you should be shopping.

(27:22):
This is when you should be making a change. And
that way, we're looking at your best situation and looking
at how we layer coverages and add on things like
cancer policies and things that just make so much more sense.
Because a funny thing I tell clients sometimes even when
they go John, you know, I just I need to
absorb this and just take it as saying I'm not
a problem. I was like, I've even employe to go

(27:45):
talk to somebody else. But if no one ever tells
you and sits down with you and gives you two
or three options and shows you how to layer coverage,
like I, do you ever run into anybody that does that?
Let me know. Yeah, I've never had one client and
tell me they saw someone do what we do. We
can help these clients so much better today.

Speaker 1 (28:04):
Well you convinced me it's five one three eight hundred
call five one three eight hundred two two five five.
Get in touch on them that way, or go online
to cover SINCEI dot com where you can fill a format,
initiate the process. It doesn't cost anything to do. So
this has been another edition of rethink healthcare together with
John Roman from cover sincey Online and coversincey dot com.