Rethink Healthcare Together - Medicare Options 2026

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Episode Transcript

Speaker 1 (00:01):
Hiks Ryan Thomas with John Roman from Cover since he
can reach out to John and the team that covers.
Since he because you're going to want to do it
at five one three eight hundred call that's five one
three eight hundred two two five to five. His website
coversincey dot com. You can start the process of what
we're going to talk about today or anything related to
medical insurance coverage by just filling the form out, and
it's a good idea to do. It doesn't cost you anything,

(00:23):
but some time the team will work for you trying
to figure out the best course you have. As we
fast approach open enrollment for medical insurance, there's a better way,
a cheaper way with better coverage. Talk to John and
the team at covers. Since he this is another edition
of Rethink Healthcare together, John, It's always a pleasure seeing
you banning crazy times.

Speaker 2 (00:42):
We live in Hey.

Speaker 1 (00:42):
The government shutdown still, yeah, at least as the recording
of this, it's shutdown anyhow, I don't see it ending
anytime soon. Of course, Obamacare and premiums are what is
the genesis for our bringing the breaks and stopping government
from working. But let's not dwell on that maybe we'll
talk about that next week. Let's talk about Medicare options.

(01:03):
I know this is a subject we've been working on
for a while, but it's so important. I mean, every
time you and I talk about it, and thank god
I'm not there yet, but at least they think there
are really some problems and some challenges Medicare folks that
will be facing that they're probably not even aware of.
And you offer some really sound advice. And that's why

(01:23):
I gave you the phone number. You can reach out
to John on the team if you want to talk
about Medicare, medic gap, credible coverage, all this kind of thing.
Trust me, they know what they're doing and they will
steer you in the right direction. John, let's start talk about.

Speaker 2 (01:37):
Medicare.

Speaker 3 (01:38):
Absolutely, Brian, I mean, and the biggest thing here, if
you're turning sixty five or you're still working.

Speaker 2 (01:44):
Past it, right, so you're still.

Speaker 3 (01:46):
On an employer group playing like hey, I'm gonna work
for a couple more years, you know, twenty and twenty
six could be the year your plan actually stops qualifying
for credible coverage. That's a really big thing that no
one's really talking about. We're going to talk about that
a lot in today's show, and you know, the penalties
that you could end up getting from this last a lifetime.

Speaker 2 (02:09):
So oh, I don't like the sound of that. No, no, And.

Speaker 3 (02:11):
It's like I said, it's not It came out last
year for twenty twenty five. They pushed it back a
year because you know, anytime the government tries to do anything,
they do it in like the last minute, and it
really affected a lot of people, so they gave everybody
a year to kind of figure it out.

Speaker 2 (02:27):
You know.

Speaker 3 (02:27):
Another thing too, is you know, we're doing Medicare right now.
We're helping a lot of listeners, a lot of our
current clients, you know, navigate you know, the changes and
what's what's what's really affecting, you know, especially even on
the prescription side. You know, so a lot of people
that have standalone prescription coverage. There's been a lot of
big changes.

Speaker 2 (02:47):
You know.

Speaker 3 (02:47):
We we deal with a lot of cheaper plans for
a lot of our listeners and a lot of our
clients over the years, and you know, there's been some
pretty big rate increases. You know, one of them right
now was a signal plan that we were dealing with
that literally one from fifteen dollars to over sixty five
dollars starting next year. We're talking about, you know, more

(03:08):
than a four time increase.

Speaker 1 (03:10):
And is that because they're experiencing broader claims, mean an
increase in claims?

Speaker 3 (03:15):
Yeah, so the out of pocket maximum adjusted last year.
So in order to help seniors get less out of
pocket on prescriptions, the government basically made a change and
said that we were going to make the maximum out
of pocket for prescriptions that are covered under your insurance
maximum of two thousand dollars.

Speaker 1 (03:35):
And that was acquired a premium bump.

Speaker 3 (03:37):
Well, yeah, exactly. So of course insurance companies they don't
really know what that's going to look like until they
actually have claims that to figure out how to absorb that.
And of course now we're seeing huge increases, we're seeing
formularies change, We're seeing drugs that you might have had
covered last you know, this year in twenty twenty five
covered that are not going to be covered in twenty

(03:59):
twenty six. It is why it's so important to make
sure that you are actually looking at your annual notice
of change making sure, Hey, I'm getting a big premium bump,
but that doesn't mean that's still going to cover the
drugs you're even currently on. And that's why it's so important. So,
like all of our clients, every year, we do a
review with them. I literally sit down with every single

(04:19):
client that's on Medicare that has a prescription plan with us.
We go back over it making sure that hey, you
are good for twenty twenty six. And the biggest problem
here is that open enrollment ends December seventh, So if
you don't change your plan, you could be in a
world of hurt for twenty twenty six because you did
not pay attention to your prescription plan changing for the

(04:40):
next year.

Speaker 1 (04:40):
Well that's why we have you and cover Sinci and
the team over there. All right, So let's dive on
a Medicare supplement plans meta gap. We'll start there. We'll
get to creditable coverage soon because I'm really curious to
know what the definition of that is and why things
are so dramatically changed. But bear with us on this.
Let's just start with the Medicare So.

Speaker 3 (04:59):
Yeah, So basically, we talked numerous times on the show
on the differences between like meta gap or Medicare supplements
and then Medicare advantage plans. But you know, even on
the Medicare, on the medic gap plans, I mean, this
is going to be your top tier level coverage, right
your your minimum out of pocket expenses. The biggest thing
if you if you're listening to the show, you're like, hey,

(05:20):
I'm trying to make a decision on what makes the
most sense for my family, for myself, my wife, you know,
vice versa. You have to look at what what does
the meta gap plan really going to bring to the
table for you? And number one, it's going to minimize
your financial out of pocket expenses. So the meta gap
you're paying a premium for, but you will have the
lowest out of pocket expenses you will ever have probably

(05:43):
in your life if you do it the right way.

Speaker 2 (05:45):
And what are we talking about premium payment wise?

Speaker 3 (05:48):
I mean, and that's kind of like our next topic
here because no, no, which I think it's it's an
important piece here because you know a lot of people
that call in and first time medicare, you know a
lot of them had group insurance before, so it's kind
of something that's already been taken care of. They don't
really even understand how to shop for insurance. They just

(06:08):
like they're like, I don't know. And when when your
listeners call in and we help them, they're like, John, like,
tell me what I should do because I I've always
given option one or two right, pick one right right now?

Speaker 1 (06:18):
That would be the call you and I have have
any idea?

Speaker 2 (06:22):
How did you tell me?

Speaker 3 (06:24):
Well, hopefully from this show. But the big thing, Brian
is just you know, this is where we really sit
down and we go over with with with the client
and we talk to them and give them the options.

Speaker 2 (06:38):
Right.

Speaker 3 (06:38):
I want them to understand, you know, what their financial
side is going to be, what where their exposure is.
You know, if someone's new this to medicare, you're turning
sixty five, the biggest thing is you're in that open
enrollment window, so you have all the options at your disposal.

Speaker 2 (06:52):
Right.

Speaker 3 (06:52):
You don't have to worry about underwriting, you don't have
to worry about insurance company potentially turning you down. That's
the best time to make sure you're set up the
right way. So if you have a lot of medical issues,
if you're going in and out of the hospital, or
having surgeries or just having a lot of follow up treatments,
you know, this is someone I really try to push
towards a Medicare supplement because you're you're talking about minimum

(07:14):
ount of pocket expenses. So, like, give you an example
that one of the best plans someone turning sixty five
can buy right now is something called Plan G. Medicare
supplements have options A through N. A Plan G is
the most comprehensive offering to a Medicare recipient. And give
you an example, like, you're out of pocket exposure for
the entire year for twenty twenty five is two hundred

(07:36):
and fifty seven dollars.

Speaker 2 (07:37):
That's Underplan G.

Speaker 3 (07:38):
Underplan G, the most you can pay for medical expenses
is two hundred fifty seven dollars. So the big thing
that kind of understand is, yes, there's going to be
a premium to that per month, but a lot of
times that premium is probably less than you were even
paying for the group coverage that you had, even if
they had the employer was paying a lot of it.
But again, you know, that's something that we're starting to
see bigger increases. So you know, kind of giving you

(08:00):
an example, I was dealing with with a client of
mine in Florida and we were looking at a plan
in September, well, she wanted to wait and kind of
think about it and making her decision. But October first
came in that same insurance rate changed before she wrote
the application, and it went up fifty bucks a month.
Because what we're seeing now, even on the Medicare supplement side,

(08:23):
is they're absorbing huge costs, right, and then everything we're
kind of seeing from COVID starting to hit with what
they started seeing on costs. So a lot of these
Medicare supplement plans are now starting to raise rates.

Speaker 2 (08:37):
So again that's.

Speaker 3 (08:37):
Something that we really have to have a really good
conversation about because when this Medicare supplement plan starts getting
very expensive, well, now sometimes we really should start looking
at the Medicare advantage side.

Speaker 2 (08:51):
You know, I had another client.

Speaker 1 (08:53):
Expensive is relative because if you again go to that
group of folks going on Medicare that have a lot
of claims, I would imagine paying the premium is gonna
be limited too. Hundred and seventy five bucks out of pocket.
It's probably the best way to.

Speaker 3 (09:07):
Go, it is in a lot of situations. But the
biggest thing that most people don't realize is even when
they get on Medicare, supplements. That premium keeps going up
every year. Insurance companies, they're going to keep raising their
rates every year after year after year. It's not something
you're locked in when you turn sixty five at that
same price. So I'll give you another example. I just
helped the client in Pennsylvania. They were paying almost four

(09:28):
hundred and fifty dollars a month for their plan.

Speaker 1 (09:31):
Ja.

Speaker 3 (09:32):
Well, we looked at a Medicare advantage plan and that
plan had a maximount of pocket for the whole year
of fifty five hundred dollars. Okay, So basically, even if
they had to use their plan extensively, going in and
out of the hospital and having a lot of surgeries,
the most they would have paid would have been that
maxim out of pocket. Well, what is that policy cost

(09:52):
compared to the Well, the difference it was zero. Ah,
So that's why we do the math. Yeah, so that's
when we start looking at Hey, listen, you're what you're
paying in premium is almost equal to the out of
pocket and your worse here, So maybe now it's a
better decision. You got to take that money and put
in your pocket. I get it, you know, rather than
paying an insurance company. So this is why we really

(10:13):
sit down. We analyze it on a financial side, we
analyze it on a personal side, and we really make
sure the math works and the math works more in
your favor. My goal is always to keep more money
in your pocket. But you know, like I said, the
medagap plans, I mean, the beauty behind them is, you know,
the access to every doctor and hospital in the United States,

(10:33):
and a lot of people love that opportunity. But when
you're in your late seventies eighties, most people don't travel
thirty minutes from their home at the point. So at
that point, you know, especially on fixed incomes, that's when
we really want to start having that real conversation. Doesn't
really make sense anymore to stay with this more expensive option.

Speaker 1 (10:55):
Well, this illustrates the value of this annual meeting with
all of your medicare clients. You're re establishing whether or
not the predicate for the direction you went initially still exists.
It can be changed down the road, your circumstance might change.
You don't travel anymore. So I appreciate that that you

(11:15):
do that for your clients, because again, who the.

Speaker 3 (11:19):
Funk, No, no, And it's it's doing this for twenty years.
We saw a lot more stability a decade ago, you know,
and now just the way things are right now, there's
a lot more almost uncertainty going into every year, you know,
even dealing with Medicare advantage, and like we mentioned here
earlier in the show, the prescription side, you know, the

(11:40):
vast changes that can happen year to year, especially with
so much government intervention, really can potentially affect, you know,
what we're doing. So we try to make sure that
we're very up to date on everything that's going on.
And this is why it's so important when you go
onto Medicare that you're dealing with someone like us a
cover since he a broker that represents a lot of

(12:02):
insurance companies that has other options. You know, I really
encourage listeners not to work directly with insurance companies, right
you know. I hear all the time that you know
they put them in a plan because you call X,
Y Z insurance company. Then you find out too your
specialists aren't even in a network because that was the
only plan that could sell you.

Speaker 1 (12:22):
Right now, I had a caller call in and want
to admit this the shutdown thing, and he said you
talk about this, you know, cover since he John Roman
guy and all these different hundreds of medical insurance providers
out there, And how come our politicians don't ever bring
that up, that there are different paths to go down
that could be quite affordable for you if you just

(12:42):
ignore the Obama Now, Obamacare could be a component of
what you do, but you'll be able to get that
upfront coverage. But I've never heard a politician mention that, Like, listen,
there's a whole world full of medical insurance companies out there.

Speaker 2 (12:55):
You don't have to buy this.

Speaker 3 (12:56):
No, I mean it changed once the law was signed
back into twenty ten. Right, the law was signed, and
they wanted to force every American to get a plan
on the Affordable Care Act, and they promised a lot
of things that never came into fruition, right, none of
them did. Affordability like all that stuff. It never happened,

(13:20):
and they never stopped the look and getting Hey, there's
still a lot of private options out there. Why are
so many people getting on these plans? And I'll tell you,
half the people I talk to absolutely shouldn't be there. Right,
that's a daunting number. I mean, that's literally our entire
business model is trying to educate our clients on the

(13:42):
fact that you do not have to be on these plans.
You do not have to be forced into something like this,
even on the ACA or you know, even in the
situation where you know, right now, all you're probably seeing
is medicare advantage options. You know that that's probably Brian,
that's not going to be a good option for you.
You right, I would never recommend that for your situation.

(14:03):
You still like to travel. I mean, I want to
make sure that you have coverage anywhere that you need
to go, you know. I mean, like there's in your
financial situations different so you know you have to think
about that every place and every step along the way.
You have to have someone that's like in your corner.
And that's why, you know, last year we dealt in
medicare advantage. I've always dealt with it, but we saw

(14:25):
such a big influence influx doing the shows with you,
marketing here with iHeart. You know, the biggest thing that
we saw was so many people were calling in going, hey,
I did this. Somebody I can't even talk to anymore
advised me to do this, and I'm like, let's let
me see if I can take the sting away. You know,
we're not in a good spot. And the daunting part

(14:47):
is so many seniors are in that. And you know
there's these huge box companies that hire five hundred employees
in a phone room that sell medicare advantage and they're
just about numbers. And these business is just they just
rinse and repeat. They turn around and sell the book
of business to somebody else and make their money and
walk away. And you don't even have anybody you're working
with anymore.

Speaker 1 (15:07):
Well, and not only do they not know how to
explain this to you, they have no interest vested interest
in steering you in a different direction that will be
beneficial for you because they're trying to sell that one
product that's in front of them. I understand that that's
I repeat the numbers. See, if you're a senior out there,
you're going wait a second, that may be meat five, one, three,
eight hundred. Call and you know John and the team
at cover since he can help you regardless of what

(15:29):
state you're in. They're all across the entire country coversince
he dot Com. Send them, you know, fill out the
form online and tell them what you need they'll get
right back to you before we deal further dive into
prescription drug plans. I'm so wildly curious about this twenty
twenty six creditable coverage rule. I want to understand it. Okay,
I know my listeners want to understand it, or the listeners.
Do your listeners want to understand it? Yeah, So this

(15:51):
is this is a big thing.

Speaker 3 (15:52):
So basically, if you're listening right now and you're still
like on an employer group and you're sixty five year older,
this absolutely affect you. So this has always been a law.
It's called creditable coverage. Basically, it states that the coverage
that you're on with your employer has to meet standards
by Medicare. And of course most employer group plans were

(16:16):
like that. When we had eight thousand dollars out of
pockets on prescription plans two years ago, most employer group
plans typically had better coverage than that. So you were
able to then retire at sixty six, sixty seven or
later in life and you would get a letter from
your HR department saying that your plan met credible coverage.

(16:36):
So that way, when you applied for your Part B premium,
you started paying for your part B you were able
to use that letter and avoid the penalty.

Speaker 1 (16:43):
So this is someone working past sixty five while they're
under this company sponsored group plan. Correct, Okay, I just
want to make sure the parameters.

Speaker 2 (16:53):
Yeah, exactly.

Speaker 3 (16:53):
And a lot of people that will call in like, well,
I'm sevent you sixty seven, my wife's still sixty one.
I'm keeping the coverage to maintain the coverage for my wife.
But the problem right now in twenty twenty six is
the fact that the maxim ount of pocket on prescription
coverage is twenty one hundred dollars and if you look
at most group health insurance plans, it's way higher than that. Yeah.

(17:17):
So and the biggest issue that I think really comes
around is you know, they'll turn around and talk to
their HR department, and their HR department really doesn't know.
You know, Well, it's always been like that. Our plans
always had no issue, so you shouldn't have an issue, right, Well,
here's the problem. You go to retire and that letter
does not meet the coverage by Medicare, Well, then you

(17:38):
fall into the penalty. And here's where the penalty can
really hurt you. So the penalty every year that you
don't opt into Part B when you turn sixty five
is ten percent compounded each and every year that you
don't take that. So if you wait till sixty eight,
you're talking about a thirty percent increase in your Part

(17:58):
B premium. And Brian, I this lasts you the rest
of your life. And it's not on your hr person, right,
it's on you. It's your penalty. So you can't go
back and go, oh, but your plan didn't meet this. Okay, sorry, sorry,
you're you're paying thirty percent more, and God forbid you
waiting until you're seven. It's fifty percent more on you
know this year going into twenty twenty six, that Part

(18:20):
B premium is two hundred and six dollars a month.

Speaker 1 (18:22):
All right, Other than lack of knowledge about the reality
of what you said, John, what is there any downside
to go on ahead and capitulating and getting the Part
B right away?

Speaker 3 (18:33):
Well, I mean because most people don't want to pay
the extra two hundred dollars a.

Speaker 1 (18:35):
Month, Okay, then right, they don't want to.

Speaker 3 (18:37):
Pay the extra two hundred dollars a month, or they
don't know and they think they can do it because
they're still an employer group coverage because that's the way
it's been forever, right, But most people aren't gonna want
to then pay three hundred dollars a month for Part
B when they start, you know, later on in life.
And again that number keeps going up every year. So eventually,
I'm sure in the next five six years that's going

(18:59):
to be three hundred bucks a month for the original
Part B and now you're paying fifty percent more on that,
So it's going to get very, very expensive because that
penalty never goes away. And here's the worst part about it.
That's just your Part B penalty that you're stuck with.
U oh, now since your prescription coverage, which again was
higher than two thousand dollars twenty one hundred dollars because

(19:22):
that didn't meet the standards. Now you're stuck with a
potential one percent a month penalty on your Part D
prescription and that lasts you the rest of your life.
So you wait three years, that's thirty six percent more
on top of the thirty percent increase in your Part
B premiums. I mean, you could be paying one hundreds

(19:43):
of dollars more a month for something that you should
never have been penalized if you would have done the
right way.

Speaker 2 (19:48):
So really the.

Speaker 3 (19:50):
Thing here is, if you're in that situation, you're better
off even just calling us with your plan documents so
that we can figure out if your planning even meets that.
And a lot of times, Brian, it's actually cheaper to
go on Medicare than staying on your employer group coverage,
which what most most people don't even realize, especially with

(20:10):
the out of pockets, right, I mean, so you're still
in your employer group. I mean, you don't have a
two hundred fifty seven dollars adoptable there, you know, you
don't have I mean even the prescription cover sometimes is
better on Medicare. So it is really worth that conversation.
You know, I implore you to least look at that option
because I don't want you to be in a penalty.
And when I have to have these conversations with people, Brian,

(20:33):
and they have these huge penalties, I mean you're talking
about big chunks taking out of their social Security and
they're like, I was not planning for that. This is
really limiting what I'm being be able to do in retirement.

Speaker 1 (20:45):
Yeah, I mean, you're you're turning hundreds of dollars here. Yeah,
and if you're especially you know a senior that is
the unfortunate relative of having to live on that Social
Security payment, that's a huge chunk.

Speaker 3 (20:56):
Absolutely, absolutely, So we've helped advise a lot of people
over the last year to just opt out of their
group coverage even though they're still working, and it actually
made way more sense. There are pockets for less we
help them get better coverage and you don't. The biggest
thing is you don't have to stay on your employer
group coverage. You can't opt out.

Speaker 2 (21:15):
What about the spouse, well.

Speaker 3 (21:17):
And that's where we can really help out because even
in these situations, because we don't just deal in Medicare,
we can then potentially look at the private health plans,
help your spouse get coverage and we haven't need to get.

Speaker 1 (21:28):
Your insurance through your group. Now, even if not fifty
five or forty five, they have a group they're going
to offer you. But if you talk to John and
the team, you may find they've got a better alternative.

Speaker 3 (21:37):
Especially for a lot of these groups. Right because again,
most employers, especially on the smaller side, they can't really
absorb the cost for the spouse. So a lot of
times what we find out is that the spouse, your
spouse on your plan, you might be paying full price
and you don't even know it because hey, it's just
coming out of my check, I don't even really understand it, right,

(21:58):
And you'd be surprised at how many people we've even
told like that are under sixty five and go, hey,
you're paying way too much for your spouse. Let's just
go write your spouse their own plan, Like, oh my god,
I didn't realize I could do that. You absolutely can.
You do not have to leash your health insurance through
your employer. You can absolutely get it on your own,
and a lot of times it can be cheaper, better coverage,

(22:20):
and you know what, now they own it. Yeah, and
a lot of these are guaranteed renewable, so they can
literally keep it to their own Medicare and you never
have to worry about changing plans or trying to find
another job because you have to have insurance coverage.

Speaker 1 (22:33):
It's a very very important point right there. People will
sometimes feel stuck in their job simply because of the coverage.

Speaker 3 (22:40):
That is probably a majority of the phone calls we
actually get from from listeners that are in their late
fifties early sixties is John. I would love to retire,
but I've been working for benefits. I'm like, well, if
we can take care of it today, how soon do
you want to retire.

Speaker 1 (22:57):
Yeah, that's gonna be one of the best parts your job.

Speaker 2 (23:00):
It is. It's like I mean, I I we did.

Speaker 3 (23:03):
I did a guy not too long ago, and we
literally and he's like, I love golf. He goes, you
just normally saved me money. I got enough money to
pay for my tea times. So, I mean, it was
it was very I love those those conversations, and I
love helping people navigate, you know, their life and then
putting them in a lot better situation.

Speaker 1 (23:23):
Well, speaking of the prescription drug plans is part the
talking a little bit about it. I just wanted to
address the formularities because they control the drugs that are covered.
Are don't think, so it's a constantly moving target. It's
a moving target. It's moving on pricing. It's about which

(23:44):
insurance which which insurance companies cover certain drugs. So it's
a requirement for Medicare that uh an insurance company that's
covering prescriptions that they have to have on the formulary
at least one drug in every disease state. Okay, so
that's a good thing, but the downside could be you know,
that can change, right, So they could be covering your

(24:05):
drug one year, and then the next year they're like, well,
this one's cheaper, but it's in the same disease state,
we're going to cover this one. So you might have
been on this medication it's helping you with your disease,
but now that formularity is changing, so now you've got
to switch your drug, right, and that could be a
huge hurdle for a lot of people that have already
maintained good health with that prescription. So again, it doesn't

(24:27):
mean that that drug not being covered is not going
to be covered by every insurance company. It means we
should have that conversation to make sure, Hey, your plan
is getting rid of that drug starting January first, but
this company's covering it, so let's move you to a
different insurance company. And it's why it's so important to
shop your prescription plan, especially when you have a lot

(24:48):
of branding prescriptions that you're dealing with. You should be
doing it every year. You should be having trust in
someone that can handle that for you and place you
into a different and a different situation, because if you're not,
I can't imagine what that's going to look like when
you go into Walmart or Walgreens or CVS and they go, hey,
that drug's eleven hundred dollars because your your insurance plan

(25:08):
can't change it. And then guess what's gonna happen. You're
stuck for twelve months, full year, full year because you
can't change again until October fifteenth next year. Well, and
I suppose, since they must offer a drug in every
disease state, the alternative drug may work. But that's a
conversation you have to have with your with your doctor.

Speaker 3 (25:27):
Well exactly exactly, And you know that's I mean, when
you're dealing with seniors, that's hard. You know, they don't
I mean, let's be honest, they don't like a lot
of change. And that's why you know a lot of
people took the yellow pill. Yes, I know, I need
a yellow pill.

Speaker 2 (25:42):
Yeah.

Speaker 3 (25:43):
And then that's why we we really like working with
seniors because I feel like they don't get that extra
handhold held, you know, through that process.

Speaker 1 (25:53):
No, without question, all right, So a call to action
for all the folks out there that are fast approaching
medicare or are getting ready to renew. You kind of
have a conversation with John Roman or one of the
team that covers since it's so easy to do and
can't emphasize enough, They're not going to charge you for
this information. It's like you have this wonderful public service
going on, John Roman. And I think people always have

(26:14):
this expectation I'm gonna get roped into something that I'm
not have to pay a fee, and it's like, no,
actually you don't.

Speaker 3 (26:21):
It's a one hundred percent free consultation. I mean, and
you'd be surprised how often I tell people that. You know,
I think you're the best situations to day where you're at.
I mean, it's not We're not here to force you
into a bucket. That doesn't make sense.

Speaker 2 (26:35):
You know.

Speaker 3 (26:35):
My goal here is to make sure that you have
the best possible coverage. And at the end of the day,
you know, if we can make you a client, then
you get all of our services for free. There's no
additional costs for anything that we do. Our customer care
team's there for you at a beck and call. You know,
that's a that's a huge advantage that we have because
I technically don't want a lot of my clients having

(26:56):
to deal with insurance companies. I deal with them. I
tell the client other day, I was like, they're like, oh,
you know, I don't know if I like this company.
I had a problem with one before. I was like, listen,
they all suck, especially their customer service. I mean, we
deal with them all the time. I've literally trained my
support staff to go, if you call into an insurance
company and you feel like they're giving you the wrong answer,
hang up and call back. You're gonna find someone that
does give you the right answer, because we know the answers.

(27:18):
Sometimes it's just about getting through to the right person
in the insurance company that can confirm that that we
are correct.

Speaker 1 (27:25):
Yeah, well, you also have the black book, and you
know exactly what I would to call. Unlike the unwashed
masses out here who don't even want to pick the
phone up because they know they're going to be on
the phone with an insurance company for two hours.

Speaker 3 (27:35):
And the worst part about it, most of the customer
service in most of these places aren't even in the
US anymore. I have we have problems even understanding sometimes
talking to them one job.

Speaker 1 (27:43):
Yeah, I mean, like they always give them americanized names.

Speaker 2 (27:48):
Oh this is Steve. Yeah, sure Steve, you know.

Speaker 3 (27:51):
And I mean I get it on the cost side,
and I can't imagine sometimes what the cost would be
if they had to deal all the customer service here too,
maybe probably even be paying war for health insurance.

Speaker 1 (27:59):
Well, I stay in the motivation, and this isn't I'm
not ridiculing foreign customer service. I suppose on some level
they can actually accomplish the job. But just knowing that
you don't have to even make the call when you're
working with you guys exactly.

Speaker 3 (28:13):
The biggest thing is why people are here. We're not outsourcing.
If my people work in my office and if they
have a question they can't answer, they literally walk down
the hallway and knock on my door. John, we got
a question here, and I'm able to answer it. So
it's you're getting that handheld, You're getting the the the
the constant you know, information anytime, and information about a plan.
We make sure you get notified. But the biggest thing is,

(28:37):
you know, especially for seniors, is that annual review, Like
let's make sure you're still in the right spot.

Speaker 1 (28:41):
John Rollman covers, since you can work with any member
of a John's team that'll all highly trained to help you.
So if you're getting ready to go into medicare, we
talked about this last week, call them up. Don't make
a mistake. Reach out to them, employers, individuals. You're getting
ready to pull the trigger on this policy, make sure
you speak with John on the team. They'll steer you
in the right direction. I assure you of that, and
to do that, initiate the process. It's a five one

(29:02):
three eight hundred call. Any state in the Union, if
you're sitting in one, you can give them a call
five one three eight hundred call, or just start the
process online. Visit the website, fill the form out right there,
coversincy dot com. It's been another edition to Rethink Healthcare
together with John Rolman from Power since thank you, Brian