Rethink Healthcare Together - Meet the Cover Cincy Team

Episode Transcript

Speaker 1 (00:06):
Hi, It's Brian Thomas, host of the fifty five care
See morning showt Least Money through Friday. Is always like
to point out here on Sunday mornings, I am the
facilitator of a little show we call Rethink Healthcare together
with John Rolman from cover Sincey and today his team
he brought with him Jeff, Ashton, William and Zach to
talk insurance medical insurance specifically. You can find him online.
You're gonna want to if you hear the discussion. As

(00:28):
I always point out, it is well worth reaching out
to the team at cover Sincey regarding your medical insurance
because they can find you better coverage for less money.
And that's really ultimately what it boils down to. Plus,
you get all the benefits of working with the team
throughout the period you're insured. Through them, they'll solve your
claims disputes and problems if you ever run into any,
and help you with any medically related claims issues. Welcome back,

(00:49):
John Rolman. It's always a pleasure to see you. Coversincey
dot com. It's eight hundred call five O three eight
hundred two two five five is his number. John, Good
to see you and the team today. Absolutely.

Speaker 2 (00:59):
Good morning, Brian, and well, I just wanted to bring
everyone here into this morning. You know, basically, you know,
at this stage, as as we've been growing here for
the last twenty years, you know, this is predominantly the
agents that the majority of your listeners are going to
run into. These are the ones that are helping. They're
kind of my first line, you know, They're the ones

(01:20):
that are going to be you know, when your listeners
call in, they're going to be talking to them individually.
You know, these are the ones that I handpicked and
hand trained and developed over years, and you know, these
are right now the experts in the field. And you know,
it's funny just because you know how often they're so
entrenched in what they're doing. You know, even when I
run in the cases sometimes I have to just refer

(01:41):
to them, which is kind of funny.

Speaker 1 (01:43):
Yeah, I mean it's funny. It is any more about
this industry than you man, quite honestly funny.

Speaker 2 (01:49):
The funny thing is just there's just so many nuances
and and things change so rapidly in what we do.
I mean, carriers come out in new products all the time.
So we literally have two meetings a week where I
mean literally, the questions I have are, what have you
guys seen this week? Is any new changes coming out?
Have you seen any new products that you feel, you know,
you want me to bring to our clients, because I mean,

(02:09):
I tell them, first off, I have to review it
of course before before we're going to offer to clients.
But you know, quite often you try it out, that's
what I do. I buy it for myself usually. But
the big thing is it's just great, you know. Just
I think any good manager, any good leader, you know,
you rely on the people that you're working with to
bring you new and better things.

Speaker 1 (02:29):
And I really.

Speaker 2 (02:29):
Stress that within our organization because it's again multiple minds
working on the same industry just helps us all grow.

Speaker 1 (02:36):
Better, right, and good leaders surround themselves with the best
possible people and they are a reflection on you, my friend.
That's right. So, and I know you also brought them
into remind the listening audience that it's not just you,
because everybody always wants to call and talk to you.
I need to talk to John romand no, no, no,
You've got a whole team there, and they're all smart,
sometimes smarter than John. But uh well, let's I mean

(02:56):
remind my listening audience that if you're tuning in for
the first time and now like to do this, just
do a real abbreviated summary of what you do for
people and for groups. We've talked a lot last several
shows about the small groups and the amazing, amazing benefit
you bring to small groups employee retention, better medical insurance coverage,

(03:17):
coverage that the employees can actually afford, coupled with improving
the business's overall bottom line, which is truly amazing. But
John and the team work with hundreds of insurance companies
and thousands of different insurance policies, which allows them to
sort of layer coverage for you. So if you have,
you know, your annual physician visit, that might be covered

(03:38):
by one policy which will pay you know, dollar one coverage,
and if you go to the hospital, there's something else
for that and catastrophic coverage. So he makes sure that
you are covered in all aspects of your life by
specifically looking at you your situation in life, you have
a family you need to ensure, or in the case
of businesses, looking at every single individual employee because they're

(04:00):
all in different places in their lives. So it's that's
the general rundown of the gist of it that in
the final analysis, better coverage for less money and quite
often often a significant savings. I mean the dollar savings
to me is what's so mind blowing, especially since you
get better coverage.

Speaker 2 (04:17):
That's amazing, Brian.

Speaker 1 (04:18):
I mean, we've been doing.

Speaker 2 (04:19):
This show for well over a year, and boys, that
is the best one minute segment right there. We call
like the elevator a lot. That is an elevator pitch
that you guys should strive for. But you know, no,
you're absolutely right. I mean, we take a lot of
pride and what we do, you know, for our clients.
We're very client oriented first. You know, we've taken a

(04:43):
really unique approach Brian.

Speaker 1 (04:45):
Over the years.

Speaker 2 (04:46):
You know, I truly feel that, you know, insurance is
a very constructed program that it's designed to be confusing
to a lot of people question and you know, most
insurance companies they want you to take that one size
fits none product right off the shelf. Here's our five options.
She was a lesser of five evils and that's the

(05:06):
best thing for your family, and we completely turn that
upside down. You know, we analyze multiple different insurance companies
build customized plans built specifically for each individual, regardless if
you're just an individual yourself, or you're you're working with
an employer. We're helping the employer. Every plan is customized
to your specific needs. In some cases, it revolves around

(05:29):
multiple insurance policies through different insurance companies, because not every
insurance company does the best thing for each client.

Speaker 1 (05:34):
And that's a real foreign concept for a vast majority
of people. And when that insurance company, the singular with
its one size fits none policy, is in front of
the employer, and employer's got to make up his mind
about what he or she is going to offer to
the employees. They don't know Jack Squad about the insurance business.
They don't know that this process and this this this
wide availability of all these different companies exist. They don't

(05:57):
understand the concept of layering with different insurance companies. It's
just give me that policy and you're done. And you
find yourself in a a in a bad place and
quite often very expensive out of pocket. You know, we've
got that nine thousand dollars out of pocket upfront liability
for the insurance even kicks in. Employees are like hell,
I can't afford that.

Speaker 2 (06:17):
No, So no, I'm most and most people can and
and they shouldn't. Like I always say, insurance shouldn't be prohibitive, right,
you shouldn't be determining like, hey, I pay for health insurance,
but I probably shouldn't go into the doctor and go
get this done because I can't afford to pay for it.
So again, like I said, you know, it's a lot
of the stuff that we do, and you know, all
of our team is absolutely trained to do that for

(06:39):
each person that calls in. And you know, really this
segment is just going to get to know them a
little bit more and you know, you kind of pick
their brains a little bit about what they're seeing because
again they're they're in the trenches every day.

Speaker 1 (06:52):
All right, Well, someone prepared a list of questions for me.
So do I get to pick and chew from women?
Everyone is going to be able to capable respond to
any one of these questions I throw out. They should?
I ask them to raise their hand. They should? They should?
They should? All right, calling out to the classroom, what's
a one of the biggest insurance myths that you hear
from your clients? And why is it wrong? Someone raise

(07:15):
their hands, well, it's here, all right, we got Ashton.

Speaker 2 (07:19):
That's right.

Speaker 3 (07:21):
So I think one of the things we hear quite often,
especially when you're when you're starting out, you know, you
do you know, you talk to a lot of people
and you hear it's an insurance as a scam, right,
It's something that they don't believe in or they don't
understand right. I think one of the biggest differences that
you get when you come with us is we're able
to kind of educate you on that. So you have
a lot of people who work with somebody who maybe
not you know, doesn't explain the product properly, and then

(07:43):
you go and use it and it doesn't really work
well and you're wondering, well, this doesn't work. Insurance doesn't
work right exactly. So if you have somebody who can
actually break it down for you and say, hey, here's
how this works, and here's how this can work best
for your family, you just have to utilize it properly.
I think that makes a really big difference for a
lot of people. You just have to be you know, talking,
you know, to experts, and I believe that's what we are.

Speaker 1 (08:02):
Well, and one of the cool things. And one of
the most I think that the gravy on the better
insurance and the money savings is that when you're working
with John and the team here, it covers since he
throughout the process. Like if someone was insured through you
and they've got one of these layered policies, they could
call you up and say, I forgot how this works,

(08:22):
or I don't remember how to submit a claim, or
my claim got denied. Someone figured this out for me.
You're there to do that.

Speaker 3 (08:29):
Every single time I talk to somebody, I told them
at the end of the call, this is not a
one and done kind of thing. You're going to call
me back when you have questions. Because we just talked
for an hour, hour and a half about what options
look like. You're not going to remember all that and
that's okay. My numbers right here. Give me a call
when you need anything and we'll make it happen.

Speaker 1 (08:43):
Right And that's a service that comes to no additional charge.
Absolutely there's you're talking with the team at the outset
doesn't obligate you to do anything. You get all this
wonderful information. You get to uncover the realities that medical
insurance can make sense. It can be affordable, and it
can pay the claims upfront, and then you'll do the
analysis for them. People will get insured through you, and
then you'll solve all of their problems after that. Correct,

(09:07):
you're buying a full package.

Speaker 3 (09:09):
Yeah, and you don't have to pay n thing for it.

Speaker 1 (09:11):
There you are, I mean to me, that's just mind blowing,
absolutely mind blowing. But it's true. And I got a
lot of listeners on my show that have taken me
up on my challenge to give them a call, and
I've got nothing but great things from them. All right,
let's ask Jeff if you could give people just one
piece of advice about insurance, what would it be.

Speaker 4 (09:31):
Make sure that you really fully understand what you're getting
and what you're getting into. There's an insurance company out
there I won't name, but you know they kind of
sell the people bill of goods. It's not really what
they say it is. So my best advice to people,

(09:54):
make sure that you really understand and know what you're giving.
With us, you will know, like Ashton said, we break
it down for you and we're always here to help
you and help guide you with the process. You're not
going to get an eight hundred number and go through
a bunch of prompts and never talk to anybody like

(10:14):
you would with some of the bigger insurance companies. We're
going to be your broker. We're going to we're here
to help you and guide you through your process, and
if you haven't questions, you call us.

Speaker 1 (10:26):
Well, that's the value of working with a broker. It's
I always draw this parallel between an insurance broker and
a financial planner that has a fiduciary obligation to their client.
You obligated to make your client money, not lying your
own pocket. It's part of the law. And this is
the same way you're not beholden to that one insurance company, who,
of course is going to try to say you a

(10:46):
bill of goods because it's their company. They don't have options.
They've got this monolithic thing that they're trying to convince
you is the right way to go for your employees
or for yourself. So I understand that all day long.
I've learned that from John. If you'd only recommend one
type of insurance to everyone, what would it be, and

(11:06):
why William or Zach you want to take that? I'll
take it all right.

Speaker 5 (11:11):
So I think yep, so I think anything that's going
to protect your financial asset, and that can be on
the health side, that could be on the life side.
Whether we're going with building something into your health insurance
policy where God forbid, something major comes up cancer, a
heart attack, stroke, we're getting a lumpsome amount for that,
or of course our life insurance. You know, if we
have a pass or something major comes up in a

(11:32):
life event like that, then you know we're getting a
lump sum for that as well. It's about protecting your
your finanite financial asset. I feel like we see it
all the time. You know, you see the Facebook post,
right my my friend or my aunt uncle cousin timmy,
you know, had a medical event and you see the
gofund me go up. You know, the way that we
build these plans, we were trying to prevent that entirely,

(11:55):
and that's you know, just building that full circle plan,
that bulletproof plan. That's a huge component that we usually
add in the majority of policies.

Speaker 1 (12:01):
Were right, Well, if someone just hasn't listened to the
prior episodes, because John's going to detail about that lump
sum up front, like for the cancer diagnosis, A policy
that will pay you a big fat check when you
come home and give your your relatives or your wife
or husband the bad news that your doctor just told
you got cancer. That freaks people out. You're gonna be

(12:21):
going through chemo, perhaps you're gonna have some downtime, and
it is a substantial financial burden for someone who's not
adequately covered. I know this for a fact for my
own personal experience. How does that policy work? I mean,
is it like you get like seventy five thousand dollars
or something just out of the blue.

Speaker 5 (12:37):
I mean, yeah, there's there's limits to you know, sure,
whatever is gonna work best for that individual. I think
it's as low as like five thousand all the way
up to I mean three hundred thousand. It just really
depends on where they're out of their situation. You know,
if we have self employed business owners, well you got
to think if something major like a heart attack comes up,
not only do you have the skilled nursing or private

(12:57):
nursing to help cut clean bathe if you are out
of work for two months, but you also have employees.
You also have equipment, you have trucks. Life doesn't stop.
Expenses don't stop. Because it threw you a curveball, right,
So we've got to make sure we protect those financial assets.

Speaker 1 (13:13):
All right, let's turn to William because William hadn't had
a chance to talk yet. Yeah, what's an underrated insurance
product that most people don't think they need but actually
should have.

Speaker 6 (13:23):
Yeah, I mean I think I think the biggest one
is going to be accident insurance. And this is just
because I mean it's in the name, right, It's it's
an accident, right. We don't know when it's gonna happen.
We don't know when it's gonna.

Speaker 1 (13:34):
We're laughing because John has got this glowing grin on
his face because he's trained them so well. He's so
proud of them.

Speaker 2 (13:40):
By the way, these are just perfect, by the way,
like every answer, I'm like, this is exactly what I
would say.

Speaker 6 (13:44):
This is one hundred percent in John coming out of me.
But yeah, I mean, it's in the name, right, it's
accident insurance. We don't know when it's going to happen
or where, but it's something that we definitely need. Getting
a you know, a lump sum amount would be would
be perfect in the event of some type of accident,
whether that's falling off a ladder or you know, an
actual car accident or whatever it is. Right, So, yeah,
accident insurances for sure.

Speaker 1 (14:05):
Well, it's the very nature of insurance. I think of accidents.
You think of your house burning down, something you never
hope to happen, that just out of the blue is
going to happen, but you can't plan on it because
you never know when it's going to happen. It's exactly right.
Life is imperfect. That's exactly right.

Speaker 2 (14:19):
And just to kind of like just piggyback gup on
that here, Brian, it's the benefit of the accident policy
is just because so many insurance policies right now such
high out of pocket expenses, right, I mean we look
at these plans, we talk about the marketplace plans with
nine two hundred dollars out of pocket. You could break
a leg and go to the emergency room where you
take your kid in there, like, oh god, the little
little billy, you know, I think you broke his leg.

(14:41):
I'm gonna take him to the emergency room and then whack,
here's your five thousand dollars. Bill and Billy only sprained it,
but they had to do an X ray. And they
build you eighteen hundred dollars to at X ray while
they're in the emergency room. The accident policy us are
designed to completely cover those out of pocket expenses. So
that's really the main goal with these accident plans is
that's why everyone should have them, because it can be
added on to any plan, regardless if you're got employer

(15:02):
group coverage. I've helped people even in this office you
know here, Yeah, you know. I mean, it's it's something
that when you start looking at just the nature of
heal health insurances right now, accidents happen two thirds of
all emergency room claims, Like, you should have these in
your policies. It is so beneficial. I've carried the same
plan for twenty years and I can tell you right
now they paid no more and claims than I've ever

(15:24):
paid them in premiums with three kids.

Speaker 1 (15:27):
Wow, a good return on investments on absolutely all. Right,
what's the biggest mistake first time insurance buyers make and
how can they avoid it? Someone? You add it again
exactly with this one.

Speaker 5 (15:42):
I think the biggest one. When you start going on
some of these websites call these eight hundred numbers, talk
to some of these big insurance companies. You're gonna hear
your medications are covered, your doctor office visits are covered.

Speaker 1 (15:55):
I can't say that.

Speaker 5 (15:56):
We never they do. They do, And even on some
of our healthcare dot of websites there medications it'll say covered.
But then you go and use the plan and they go, yeah, sorry,
we're not giving any benefit for your for your prescription.
So I think the biggest thing is making sure you're
talking to somebody or if you hear things like this
it's covered, ask well, what does this mean? How is
it covered? Because you know, on paper, there's usually like

(16:19):
a mathematical way or a specific benefit towards that you know,
event or procedure, whatever it is. So just you know,
prying into that a little bit more. But I know
a lot of us I've harped a lot that don't.
We don't use the word covered. I can't stand the word.
I think it's very shady. I'm just it's just.

Speaker 1 (16:37):
Well, it always comes with an astros rights to certain
limitations and exclusions, right, I mean that's kind of the
fundamental reality of it, isn't it.

Speaker 5 (16:45):
Yeah, Yeah, No, that's exactly it. It's just it's a
it's a terrible phrase. We try to stay away from it.

Speaker 2 (16:51):
And we always say the analogy I use for clients
all the time is, you know it's a blizzard outside
and you're you're underwear. I mean technically you're covered. I
mean it's not very well. And that's and that and
that you're right that that term, that that covered term.
You have to dig in and understand what that actually is.
How's it covered? Like like Zach says, it can say covered,

(17:13):
But if it's subject to your deductible and coinsurance is
a nine thousand dollars reductible and you're in a five
hundred dollars a month drug, well guess what the whole
year probably paying for that drug. Yeah, it's gonna be
covered if you have other medical claims, because you're not
going to hit nine grand with six thousand dollars in
mid cost.

Speaker 1 (17:29):
That's a cool water dose reality. You always put serving
to illustrate the importance of going through the analysis. Yes
it's nine thousand, but in the final analysis you got it.
You got someonilar at home is also in short on
it it's eighteen thousand dollars, right, I mean, it's just
you gotta you gotta show people the math before they
realize the importance of working with an insurance broker. How

(17:50):
does it make the process easier? I think I could
even answer that question. Maybe, Yeah, go ahead, Ashton's back
up again.

Speaker 3 (17:58):
Can you repeat that one more time?

Speaker 1 (17:59):
Oh? Yeah, How does working with an insurance broker make
the process easier for the first time insurance buyer?

Speaker 3 (18:05):
I keep going back to the fact that we're experts,
Like I know, we keep talking about that, but that
really is the biggest difference maker. When you're a first
time insurance buyer, you have even second, third, fourth, fifth,
you don't know really what you're looking at. I mean,
the whole reason we went through the school is to
find out what we're talking about.

Speaker 1 (18:19):
Right.

Speaker 3 (18:19):
If you didn't do that, you're not expected to know everything.
So I mean, I think coming to somebody who has
the answers and is able to kind of walk you through, Okay,
what's your situation? What do you think you need? And
maybe we can talk about, you know, on my end
as the expert, what do we think that you know
that looks like for you?

Speaker 1 (18:33):
Right?

Speaker 3 (18:33):
What do we think you need? You know, we're able
to kind of break that down for you and show you, Okay,
here's what we need, but here's why we need it. Okay,
so you're able to understand, Okay, I'm paying X amount
each month for this, but if you have no idea
why you're paying for it, you're probably not going to
keep it right, or you're probably going to be questioning
why you have it in the first place.

Speaker 1 (18:50):
Right.

Speaker 3 (18:50):
So if we can kind of walk you through that,
you know that that process of here's what you need
and here's why you need it, I think that's a
really big I think that I think that helps a
lot of people kind of standing insurance a little bit
better when you're able to sit down with them and
kind of talk them through.

Speaker 1 (19:03):
Yeah, spending time with your clients, it's important to you
as a business to treat them right and deal with
all their needs and explain them to it. And then
people get comfort and like oh that you make great
points and I do need that. The other thing I've
learned from John is these layered products. Somebody in the
audience might be going, Jesus is gonna set me back
just all kinds of money. These individual policies in and

(19:24):
of themselves are not like crazy expensive.

Speaker 2 (19:27):
No, No, it's actually cheaper.

Speaker 1 (19:30):
Just want to put an emphasis on that and get
into the why it's cheaper point.

Speaker 2 (19:34):
Yeah, because it's basically kind of just going back to
what we were talking about before, is every insurance company
doesn't doesn't have the best product for the best price point.
So we've done that analysis and go, Okay, this company
has a very good product here. This is one of
the best products here this company offers, but everything else
they sell is overpriced. So we're gonna take this one
piece of this product from this company, and this one
this over here does it better and cheaper. So we're

(19:55):
gonna take this policy from here, and then we combine
them all so we're getting you the best value for
the coverage that you have because we work with so
many different insurance companies and that's when we build it out.
And the goal of course building it out is covering
holes every I mean, think about health insurance. A health
insurance policy is like a leaky bucket. Every policy you
buy has a hole in it at some point, and
they're just leaking out, right. So all we're doing is

(20:17):
we're like that guy that walks around with that big
old piece of tape. Yeah, it just smacks it on
there and goes wow, you know, like, that's what we do.
I mean, that's the goal. So we're there filling in
the holes with other little products and it makes it cheaper,
and it makes it cheaper to use.

Speaker 1 (20:32):
It well and in anticipation. Is the next question I'd
want to recommend. If you're listening and you are an
employee of a small business and you're thinking, I either
have crappy insurance or it's too expensive, or my employer
doesn't even offer medical insurance, then you need to tell
your employer to get in touch with John and the
team here, because they will find it amazing how affordable

(20:56):
insurance can be get you the coverage you need rate.
And that of course improves employee retention. I mean, one
of the great benefits for small businesses. You have a
huge competitive advantage over your competition and keeping the employees
you want to keep because they're gonna love the coverage
so much and they go over someplace else. They got
the one size fits all, the nine thousand dollars out

(21:17):
of pocket liability Obama policy, and that's it. It sucks.
So ask your employer to get in touch with John
and the team a cover. Since all right, Finally, with
pivoting from that point, one of the most important types
of insurance benefits that small business owners should consider offering
their employees.

Speaker 4 (21:34):
I'll take that one. There you go, Jeff Well, I
think they should offer as much as they can. To
be honest, just piggybacking on what you guys were just
talking about. I just did a small group in Hamilton.
Saved them over six thousand dollars a month in premium,
and they're getting seven different policies. Like John was just

(21:58):
talking about, every policy has a gap or a hole.
So what we do is fillos gaps and holes. So
each employee is getting seven different health plans, you know,
to fill all those gaps and still saving them six
thousand dollars a month. So they're able to get a

(22:19):
health plan, an accident plan, a catastrophic plan, an out
of pocket protector which gives you money first day in
the hospital, got a dental, vision and life insurance plan.
So they got all that and still saved six thousand
dollars a month.

Speaker 1 (22:35):
That's mind blowing in the premium. And then and then again,
somebody's gonna say, geez, that sounds really complicated. I'm not
going to be able to figure out what the hell
I'm supposed to present by way of the medical claim.
And that's where you guys come in. It's like a
quick phone call to John on the team at a
five three eight hundred call. You will answer that question correct.
Amen to that. Can you share a real life story?

(22:57):
We're having the right coverage. Saved someone from financial disaster.
But you've got a million of these stories.

Speaker 4 (23:04):
I've got one. I've got a guy here locally a
few years ago had a heart attack and had quadruple
bypass surgery, spent sixteen days in the hospital and ran
up close to a three hundred thousand dollar bill.

Speaker 1 (23:20):
So we.

Speaker 4 (23:22):
He had a health plan and then he had a
short term plan to piggyback it. So the short term
plan had a ten thousand dollars deductible, which is health
plan paid, and then the short term plan picked up.
The rest of the bill had one hundred percent, So
he on a three hundred thousand dollar bill owed zero.

Speaker 1 (23:43):
That is amazing.

Speaker 4 (23:45):
And how much of that check did he get after that, Well,
he got back about close to eighty thousand dollars. And
then you know, I got a ton of referrals from.

Speaker 1 (23:57):
Me not shocking. Well, and that's we've talked about those
plans in the past, John, where some actuary someplace has
determined that your typical fill in the blank medical service
is about X number of dollars. Like I go always
back to my son, it was four hundred dollars for

(24:19):
a physical. He had to go to the doctor get
a physical. So the physical only build the doctor built
roughly two hundred dollars. So he ends up with a
check that was actually north of two hundred dollars that
the company sent directly to him. So and that's after
they paid, I mean, the medical bill had already been covered.
He got the balance, and that exists on this type

(24:40):
of situation that Jeff was mentioning.

Speaker 2 (24:42):
Absolutely, So basically, every time we build a plan, there's
two ways.

Speaker 1 (24:46):
Ago.

Speaker 2 (24:46):
Number one, you're covering the top end. Right, So, like
what Jeff mentioned, he had a major medical plan with
a ten thousand dollars doble, So he knew that whatever
my bill is, if it's three hundred thousand dollars, the
most I owed ten grand, that's the one policy. So
we want to make sure you know what even with
Zach mentioned the catastrophic coverage right, and then what you
have on top of that is what we call a
first dollar benefit plan. So they call him limited medical

(25:08):
expense plans and demnity policies. There's a lot of different
names for him, but basically indemnity insurance. It's another word
for cash and what they do is depending upon what
you go in for. In this situation, that gentleman was
probably getting about five grand a day every day that
he was in the hospital. There's and then there's a
million dollars in coverage there. So every day that he
was in the hospital sixteen days, five grand a day.

(25:28):
This plan's paying while he's in the hospital. Well, eventually
it's covering your deductible. In the first two days, the
deductible's met because of the ten grand that it's paying.
So everything after that, that money's coming back to him.
I mean it's.

Speaker 1 (25:41):
Because you're then in the insurance policy covered zone, going
back to using that word covered.

Speaker 2 (25:47):
So the primary plans covering the bill, so the secondary
planet's paying that first dollar coverage. They still have to
continue to pay, and the bills already paid, so they
send a check to you. It's an embedded disability program.
That guy was self employed out of work for who
knows how long after that quadruple bypass right, three months,
six months, probably maybe even longer. So what did the

(26:08):
eighty thousand dollars do for him? Makes up his salary,
makes up his salary, keeps the mortgage, the lights on,
He's not dipping into retirement. So I mean, there's just
so many reasons to have these And Brian, we do
this with the groups. All of our groups have exactly
the same way. Every one of these employees have exactly
that same type of coverage. So God forbid one of
your employees goes down. You're not worrying about Hey, do

(26:28):
I need to cut Joe an extra little of money
because he's laid up getting cancer. I know he's ran
out of his sick time in vacation time, but he's
a good employee. Can I help this guy? Well, no,
we already took care of him. He's getting paid by
the insurance you decide to buy for the group.

Speaker 1 (26:42):
Well, that is an amazing reality you guys have going
for you. This is going to make your job feel
really rewarding. I mean, am I right about that? And
it kind of thing gets you up out of bed
in the morning. And like I get to go to
work and help people.

Speaker 3 (26:55):
Absolutely, yeah, you know you're doing the right thing, right,
It's easy to get up and you know, go make
a living and do it ethically.

Speaker 1 (27:00):
So yeah, it's nice and relationship building. I suppose you
enjoy building relationships clearly when it ends up in referrals, right, Jeff, Absolutely, Well,
this is the kind of service you're going to get
from John Rowman. A team that covers sincey Jeff, Ashton,
William and Zach glad to have you in studio this
morning talking about this important, important subject matter and peaking

(27:22):
the curiosity of the listeners they're going to call. I'm
sure and they should again a little bit of your time.
Let them do the work and effort and present you
with an opportunity that you didn't know exist, and you
don't have to take it. They're going to do the
work and figure out what's best for you. But I
think you'll find that working with a team that covers
since you will be absolutely to your benefit. You'll feel

(27:44):
much more comfortable. You've got the right coverage. They cover
all the contingencies you have to worry about in life,
and they'll explain it to you and then again, you
get the benefit of the team working for you throughout
the period of time you're insured through them. And if
you get a claims dispute, you get an EOB you
don't understand, just call the team. They'll work it out
for you. No time on the phone with the insurance
company asking what the hell went wrong, No having to

(28:06):
call the provider to find out if they submitted the
claim to the right person. That's what they're all about
to Cover Sincy. It's five one three eight hundred call
five one three eight hundred two two five five. And
if you go online, I think you can expedite the
process a little bit. You'll be a shorter phone call
for you. There's a form online at coversinc dot com.

(28:27):
Buill that form out to the fullest extent possible and
answer all the questions to the extent you've got the
information and you got the process started.

Speaker 2 (28:35):
John absolutely. And just you know, for the listeners here,
you know, we call ourselves Cover Sinsey because that's where
we're located, right you know, we want to make sure
that everybody knows exactly where we're at. But just remember
we're in all fifty states, so we've had people down
in Kentucky. Go oh, I think it's just a Cincinnati plan. Like, no, man,
we can help you.

Speaker 1 (28:51):
Yeah, you're right.

Speaker 2 (28:53):
So we do help all fifty states, regardless of where
they're at. You know, even if you're listening to this
like well, I'm good where I'm at, but I have
family members living in Arizona or Florida or California, wherever
they are. We help clients on all fifty states, and
we have plans in every state. So there's never someone
that we can't help, and there's never a situation we
can't you know, get through and put you in a

(29:15):
better spot.

Speaker 1 (29:15):
You need to need to emphasize that because I get
callers from all over the country calls in the program.
It's really mind blowing.

Speaker 3 (29:20):
I know.

Speaker 2 (29:21):
It was always funny when I get people calling me
and go like, ah, I listen to Brian, I'm like,
where are you look at I'm Mississippi. I'm like, oh,
that's cool.

Speaker 1 (29:26):
Yeah. This has been another edition of Rethink Healthcare together
with John and the team, Jeff Ashton, Ashton, William and
Zach in the studio today. It's been a great seeing
you guys again. Coversince Hea dot Com