All Episodes

July 27, 2025 • 29 mins
Mark as Played
Transcript

Episode Transcript

Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:02):
Nice Brian's I us here with John Rollman from Cover
Sincey doing the show that we call Rethink Healthcare together
every Sunday at this time and it's always a pleasure.
I typically host the morning show fifty five KRC five
am to nine am Monday through Friday, but get to
talk with John to learn a lot about medical insurance
and I have learned tons over the years talking to
John in the segment and it's always a pleasure getting

(00:22):
some insight. Remember, John and the team are working for you.
It's a call that's worth making. Initiate the conversation by
calling five one three eight hundred call five one three
eight hundred two two five five, or fill the format
on the website at covers sincey dot com. There's no
obligation to you to do anything. Just let John and
the team analyze where you are in terms of your
medical insurance coverage. They are working for you. On the

(00:43):
other side of the table are hundreds of insurance companies
and literally thousands of different policies of insurance, which allows
John on the team to put together a package of
medical insurance that provides you better coverage for less money,
which sounds impossible, is I always like to point out
because it still sounds impossible after all this, Tom John,
and welcome back.

Speaker 2 (01:01):
My friend.

Speaker 1 (01:01):
It's always good to see you and have these conversations.
Oh you too, Brian. Good morning. And something that always
irked me about Obamacare, say what you want by Obamacare's
great Bombacare sucks, doesn't matter when they got rid of
the concept of pre existing conditions. Now I know there's
more to it than just saying they got rid of it,
and we'll talk about that today. It's because what we're
going to be talking about in the segment. But my

(01:24):
view of that has always been pre existing cover. The
pre existing conditions were not covered. It's like your house
is on fire and you don't have house you don't
have fire insurance. You call your broker up and you say,
my house is on fire, get me covered for fire,
and he says, no, you already have a fire going on.
It's a known condition. We cannot insure for a known

(01:44):
pre existing loss. I always used at the same thing,
the incentive to get medical insurance, to get yourself some
coverage was the idea that if you waited too long,
then you wouldn't get covered because of a pre existing condition.
Well that concept evaporated with Obamacare, at least on some
Level's talk about that. Well, yeah, so when you when
you really think about it, right, So again, I've been
doing this now twenty one years. So when I first started,

(02:06):
you're absolutely right, like there was laws to protect people.
There was things called like continuation of coverage, right, so
as long as you had previous coverage and you were
going through like something like COBRA losing benefits through an employer,
you know, once that eighteen months of COBRA ended, you know,
insurance companies had to take you in that state. Right,
So there's always there's always laws protecting people that were

(02:28):
smart enough to get the coverage when they qualified and
then when they you know, had to make a change
in life happens, right, then they were protected under the law.
So yeah, there's a lot of people, you know, including
probably some of the listeners today, are like, well, you know,
I didn't buy it because I'm healthy here or they
start thinking that, right, And with the with the laws

(02:48):
and stuff that kind of came about here, you know,
with the twenty fourteen is when they everything basically started.
That's when you really saw the lack of adverse risk selection, right.
So that was the biggest thing with insurance companies, and
it's basically a term where insurance companies, you know, they
want to ensure risk of the unknown, not risk of
the known, right well exactly.

Speaker 3 (03:09):
And then when they don't know and you just come
on to a plan like the Affordable Care Act, right,
Like I love the a part in the beginning if
affordable right, but you know, once you basically say tell
the insurance companies or anybody that's ensuring anybody, right that
you know, hey, you're gonna have to take everybody, regardless
of their situation. Regardless of someone's on dialysis at you know,

(03:33):
twenty thousand dollars a month, you have to ensure that
person for you know, seventy hundred bucks a month, you're
going to be in a losing situation, clearly. So what
did we see happen?

Speaker 2 (03:44):
Right?

Speaker 3 (03:44):
I mean, the first thing that we saw happened was
number one, diminished networks huge, Right. Insurance companies had to
control costs. The big easiest thing for them to do
is go, hey, we're going to reject a lot of
the more expensive places. And that's what happened. We're going
to define you into a certain in area. Like you know,
if you're buying here in the greater Cincinnati area, I

(04:04):
mean your plans here, it's not in Dayton, it's not
in Columbus, it's not in Houston. It's a very limited network.
And the other thing that happened was just the massive
increase in pricing. When I talk about massive, guys, this
is we're now stuck on it, right I mean we've
been here for over a decade, so now we're kind

(04:25):
of you know, like anything we get a cusp into,
like this is just the way. You know, this is
the way. This is the pricing that we're paying right now.
And you know, back in the day, if you're a
relatively healthy family, you know, I was writing low deductible
health plans for like a family of four for like
five hundred bucks a month. You know, now it's ninety
two hundred dollars out of pocket this year, going up

(04:47):
over ten grand next year. And you know that same
family is sixteen eighteen hundred dollars a month.

Speaker 1 (04:53):
And the reason is the deletion of the pre existent
condition exclusion correct, because you can't actually actually deal with
the reality of having someone again on dialysis or getting
fifteen thousand dollars a month chemo treatment or something and
just start paying for it when you're only getting seven
hundred bucks a month in premium. I mean, it's an
impossible model to sustain.

Speaker 3 (05:14):
No, I mean, you'd be surprised, Brian, how many people
call me during the open enrollment in like November December
every year and go, I never had health insurance. I
need to go have this one hundred thousand dollars surgery.
And technically speaking, I can write them a plan that
starts January one that'll pay for their one hundred thousand
dollars surgery, you know, and then what I mean, I'll
tell you what usually happens. They go get the surgery,

(05:36):
do the rehab, and then they cancel the plan, you know. So,
I mean, this is just kind of the market that
we're in now. You know a lot of people you know,
are on the flip side, right that you know, maybe
didn't have options or you know, maybe lost coverage, they
couldn't get that continuation coverage whatever, right and they were
kind of in this limbo situation. So you know, there's

(05:57):
there's always a flip side, right, So it does help
individuals that you know, maybe a lost coverage or had
a gap or something like that and you know, couldn't qualify,
and now they're kind of stuck and they're like, well,
I'm fifty years old and I got to wait fifteen
years for Medicare before I can get health insurance can
so now I'm really rolling today. So you're also helping
those individuals. And the biggest thing with you know, the

(06:18):
show today is for listeners that really kind of understand
what the marketplace is for health insurance and why you
should be there and why you shouldn't be you know again,
you know, I look at the marketplace as almost a
necessary evil, right, I Mean it's very expensive. It's like
we just talk about it all the time, how restrictive

(06:40):
the networks are. How the fact that listen, next year
you're at a pocket expense for our families going over
twenty thousand dollars can't Yeah, if you have that Silver plan,
you're like, hey, that doesn't that's not me. I have
a lower income. I got I got to cost a
CSR cost sharing reduction. You know that goes away next year.

(07:02):
So I means everyone that's on the marketplace has a
ten thousand dollars plus out of pocket for an individual,
twenty thousand for your family.

Speaker 1 (07:11):
I don't even know how you can call that insurance.

Speaker 3 (07:14):
I understand, well, the way bills are. I mean, that's
the day one in the hospital.

Speaker 1 (07:18):
I know, I know, I understand the practical realities and
implications of it. But you know, if somebody's making fifty
sixty grand a year, the idea that they're going to
sholl out twenty thousand dollars before they're even going to
get some service covered under the policy, even in a
limited network environment, it's just insanity. I mean, and you've
mentioned before that's why a lot of people don't even

(07:39):
sign up.

Speaker 3 (07:42):
You know, a higher income person, I'm not even saying
that high. I mean, next year, going in, we're projecting
the income. If you're married, it's you and your spouse,
and you're basically probably making somewhere over sixty five grand,
you qualify for zero tax credit.

Speaker 1 (07:58):
Yeah, because that's going away, that's going away to get
attack code for sixty four thousand.

Speaker 2 (08:02):
Yep.

Speaker 1 (08:02):
Then they deleted the tame that they deleted the income
cap correct because of COVID, the excuse for everything.

Speaker 2 (08:08):
Yep. And now it's coming back.

Speaker 3 (08:10):
Now it's coming back. So the CAP's back. And I
talked to so many people before that we're afraid of
the marketplace, and we were able to help them because
that cap got taken off and now it's back. So
it's like, you know, we keep talking about the millions
of people that says is affecting. I mean, what's what
this bill is actually affecting. We're talking about probably somewhere
near seven million people are going to be affected one

(08:31):
way or another by this increase out of pocket or
increase premiums for next year. So again, you know, kind
of going back to the pre existing condition spot.

Speaker 2 (08:41):
Right.

Speaker 3 (08:41):
You know, if you're someone that has a medical condition
and I'm not talking about blood pressure, I'm not talking
about you're on a thyroid medication, Oh I take a
cholesterol or maybe you're even a type two diabetic on
like met form or glucafage or something like that, you
don't have to be on the marketplace, right, I mean
you can still get you can still get coverage on

(09:02):
the private market. And I can't stress that more, Brian,
because the private market is where I'm going to be
saving clients like forty to sixty percent because you're not
in that, think about it. I mean, the marketplace plans,
the ACA, Obamacare, whatever you want to call it, is
basically a high.

Speaker 2 (09:20):
Risk bul oh, without question.

Speaker 3 (09:23):
And the people have to start realizing that if you
can potentially qualify. And guys, it's an easy conversation. You
literally can just call us and we'll walk you through
and tell you, hey, stay where you're at, or you
have a better option. I mean, that's that's as simple
as it is. But at the end of the day,
it's you know, those individuals need to start looking at
other options. You know, if you are in a situation

(09:44):
where you're incomes low enough to qualify for a tax credit,
you know, we'll probably show you that you shouldn't be
paying more for a silver plan anymore because you lose
that CSR. It would be a good conversation for us
to start having about looking at maybe a bronze plan that,
let's be honest, is going to have exactly the same
amount of pocket of a silver plan and probably be
a couple hundred dollars cheaper a month, and most people

(10:04):
are't gonna even know that.

Speaker 2 (10:06):
But in supplementing that with yeah, so.

Speaker 3 (10:08):
That's and that's where that's where we can really help
people on any health insurance policy, right your primary health plan.
At the end of the day, we have to think
about what insurance really is. Insurance is design and to
protect you from a large claim, right, and really it's
just the hospital or surgery. I mean, that's where you're
going to see the big bills. You know, sometimes it

(10:31):
might be a very expensive medication, but that's really what
your major medical plans designed to do. Is not designed
to cover the small stuff. And most of these plans
don't even cover the ers very well. You know, if
you have a seven thousand dollars reductible on your plan,
you go to the emergency room, expect to say, pay
seven grand. I mean, especially with the fact that you
can break a leg and be between almost five grand.

(10:51):
Now you're paying that entire bill on a broken leg.
And you're like, hey, I have health insurance. And that's
what we get peop from people all the time. I'm covered,
I have health insurance. I'm fine. But you got to
pop the hood of your health plan. You have to
look at it because the only time I can't help
you is when you're calling me from the hospital. Yeah,
it is too late.

Speaker 1 (11:10):
By calling the insurance agent for property insurance when your
house is on fire exactly, Hey.

Speaker 3 (11:14):
Did I pick up that flood insurance.

Speaker 1 (11:17):
We'll go back to pre x and the supplemental policies
that you're talking about adding along with. So maybe the
Affordable Care Act plan is the right stepping stone toward
getting a better overall package of insurance. Are those other
private insurance policies that you would stack and layer with
an Affordable Care Act plan? Are they available for folks

(11:38):
that have a legitimate pre existing condition.

Speaker 3 (11:41):
Here's the best part about it. A lot of these
some of these plans are actually guaranteed issue regardless of
your current medical conditions.

Speaker 2 (11:48):
Wow.

Speaker 3 (11:48):
Now, most of those plans that are even guaranteed issue
will typically have like a twelve month waiting period on
pre existing conditions. So I think you're going through cancer,
I can't sell it to you to go pay for
your chemotherapy to but if you're still doing it twelve
months from now, they will start paying for it. Oh,
you know, Or if you're a situation like you know,
I have clients that like, oh, I had a heart
attack three years ago, I'm fine right now, I'm on medication,

(12:11):
you know. I'm not going to qualify for most of
those plans because you know my windows five years, right,
so I can still write that personal plan and anything
else that happens to them, it's going to help cover.
So the supplemental plan, guys, it's gapping coverage. It's literally
designed to help alleviate those out of pocket expenses. And
a lot of the people that call into us, even

(12:32):
if they're on a marketplace plan currently, the first thing
we're going to look at is like, hey, should he
should you be here? Are you even to qualify for
tax credits? And let's say you do. Let's say this
is an affordable plan for you at a couple hundred
bucks a month. A lot of people, even at the
lower income level, were on silver plans. These were more
expensive policies. You might be paying two hundred two hundred
fifty dollars more a month for a silver plan. You'd

(12:53):
be surprised how many people we take out of silver
plans and moving to bronze plans and they're literally saving
like two hundred bucks a month, two hundred fifty dollars
a month, and we take a little of that savings
add on a supplemental plan and it's gonna help pay
that big deductible. It's gonna help you on surgeries, it's
gonna help you on labs. I'm the biggest thing that
we help a lot of clients with is just outpatient imaging.

(13:16):
You know, I can't tell you how many people we've
helped get MRIs and cat scans and altrasounds with these supplements,
where if they didn't have it, they were gonna pay
another seventy eight hundred bucks out of pocket. And I
have clients going in now with the way we package them,
and they're going in and have an MRIs and pay nothing,
right like nothing, and their deductibles are seven grand, Like,

(13:37):
I don't understand how this works. And the funny part
is they always give us a call later on and go,
why did I get this check? Because the plan you
chose paid more than what the charge was for that image.
So if there's a there's a leftover save, if there's
a leftover amount, they cut that check to you.

Speaker 2 (13:55):
Yeah, I love that.

Speaker 1 (13:56):
And we've talked many times over these these segments about
that my son got the check. But they have an
allocated amount set for any given procedure. So an MRI
is going to cost you maybe thirty five hundred dollars
at a hospital. Maybe they're willing to reimburse. Knowing that
there are various charges and levels of charges out there

(14:16):
in the MRI world, they may allocate, say two thousand
dollars for an MRI. You go to someplace like my
client Affordable Imaging Services, you pay five hundred dollars for it.
They give you the fifteen hundred or twenty or two
thousand dollars difference.

Speaker 2 (14:32):
You get it. Yeah, because to your pocket. Absolutely.

Speaker 1 (14:35):
I can't emphasize that enough. How cool that is. It's
like it's just mind blowing.

Speaker 2 (14:39):
Thank you. Absolutely.

Speaker 3 (14:40):
And here's the smartest thing about the supplemental plans, Like,
when we meet with you, we will literally show you
how even the things that you would do on a
monthly basis can get you money back. We just had
a client the other day we were talking to and
we did something very similar to them. They're on a
marketplace plan. They had a thirty dollars co pay for
doctor visits. I had six kids. I go, okay, well,

(15:02):
how often are you going to doctor go with six kids?
At least once a month? So the supplemental plan actually
paid one hundred and twenty dollars every time they went.

Speaker 2 (15:13):
To the doctor.

Speaker 3 (15:14):
Well, they had a thirty dollar cope, so they didn't
pay the cope right on their major medical plan. The
one hundred and twenty dollars helped pay that cope for them. Well,
they had a ninety dollars benefit basically every month. So
every month, that family of eight, if they go to
the doctor once a month, they're basically making back ninety dollars. Well,

(15:34):
the plan was a little over two hudred bucks a month.
I was like, literally, if you do what I'm telling you, like,
this plan's worth half of what you're actually paying for it. Yeah,
because you're going to get that ninety dollars back. And
then they go, well, family of eight, well we go
in for physicals once a year. I was like, well,
your marketplace plan pays for them for free. The plan
I'm putting you on pays one hundred and fifty dollars.

(15:56):
Every time you have a physical. You're gonna get a
check for one hundred and fifty dollars times eight. I
literally just showed you how the supplement and the course
of year will be almost free.

Speaker 1 (16:05):
That's just outstanding, outstanding Okay, Well, keeping in mind the
initial concept of preexisting condition, is there any impact that
that has on Medicare because people getting ready to go
to Medicare, it's a different thing. You're going to be
covered by Medicare because you reach that age, you don't
have any choice in the matter. It sucks to you

(16:26):
or it's great to be you, because you've also commented
about how good Medicare can be. But is there anything
that cuts you off in terms of pre existing condition?

Speaker 3 (16:34):
So, and this is so important for anyone that's in
that market right now, or even if you're on a plan,
even an advantage plan, and you're like, well, I'm healthy,
this doesn't really matter to me. Here's the biggest thing.
The only time your guaranteed issue to do a Medicare
supplement is when you turn sixty five or when you

(16:56):
start your part B. Like if you if you're working,
like I know your wife's still so like when she
decides to retire and go on Medicare, fully it gets
her part B. She's in an open enrollment, she has
that three months before and three months after her that
date either when you turn sixty five or when you
go on your part b coverage to go and get
a Medicare supplement, no questions, ask no medical underwriting. I

(17:20):
can't even ask a medical question, right, you just here's
the best plan, here's the best price. You qualify. Well,
here's the biggest issue that people need to really kind
of understand on that end. Outside of that, Brian, you
don't qualify anymore. It's fully underwritten after that. So you know,
we see so many of these companies start coming around
and selling supplements that are like the cheapest planet's out there. Yeah,

(17:41):
they're smaller companies. So what happens in a couple of years,
these small companies they go out of business, well, or
the rachel starts skyrocketing. Now I just help someone that
has rheumatid arthritis, which would never qualify for a supplement
outside of that initial open enrollment, right, So now that
person's rate starts skyrocketing. I can't switch them to another
mandar Care supplement, so I can't get them a cheaper plan.

(18:05):
This is why it's so important to meet with someone
that can truly sit down and go, hey, you're in
a situation where if I put you on a supplement,
you're probably going to be on that company the rest
of your life unless you eventually go to a Medicare
advantage plan. So if you want a supplement, which is
by far the best coverage you'll ever have, you need
to make sure you're the right company that's not going
to sit there and jack your rates up in a

(18:27):
couple of years and make it unaffordable and not able
to keep you on their long term. So it's so
important to do that. And then on top of that
too is the people that go on advantage plans when
they're healthy, they go, hey, it's more affordable. I'm happy
with it. I can't tell you how many people five
six years later, you know, they start getting into their seventies,

(18:48):
they call me up and go, John, I need to
get off this advantage plan. I'm like, great, let's talk.
And they have a boatload of medical issues and I
have to tell them that's the only place that covers
that type of conditions. You have to stay there. So
again it's why it's so important when going onto Medicare
to find someone in my office US yes, I mean

(19:10):
or are broker that can really knows Medicare and can
advise you the right way. Think of it like a
really good financial planner, because let's be honest, this is
going to affect the rest of your life. You have
that one time shot to make the right decision.

Speaker 2 (19:25):
Fair enough, get on it early.

Speaker 1 (19:27):
Kind of going back to the original premise of having
pre existing conditioned exclusion that it prompted people to get
on medical insurance early so their claims would be covered.

Speaker 3 (19:35):
God, please do that, please, please please get a good plan.
I mean, I'll tell you I helped so many people
turning twenty six gun on the right plan. Literally look
at them, like, listen, you're on a great plan. You
could potentially stay here and the rest till you're own medicare.
Really this is great. I'm like, I don't think about
this again. I was like, no, but there might be
better stuff in the future, so you know, just stay healthy,

(19:55):
relatively healthy. I might be able to get you a
better plan to come out, but right now you're on
the best plan and you can literally stay here and
never have to worry about going to the marquise.

Speaker 1 (20:02):
All right, Well, another area of insurance that is important
early is better, and that will be in the area
of life insurance.

Speaker 3 (20:09):
Oh, I can't stress this enough. I mean, so many
people don't even think about it. So many young people
don't even think about it right away. And I'm like,
it is the best financial decision of your life to
get onto a life insurance plan as early as you can.

Speaker 2 (20:23):
Because the premium's locked in.

Speaker 1 (20:24):
And said, oh my god, yes, because I've got I've
been on the same life insurance carrier now for jesince
nineteen ninety or ninety one. And if you call me
today in premium, yeah, six months exactly the same. It's
never changed. You know, I'm pushing sixty and it's still
what it was when I was in my twenties.

Speaker 3 (20:45):
Still it does when you're twenties. There's the best part
about it, Like if you came meet to me today,
regardless of your health history and go, hey, I'm in
I'm sixty years old and I want to get the
same amount of coverage. Maybe there's a better company.

Speaker 2 (20:56):
It's cheap.

Speaker 3 (20:57):
I'm gonna tell you it's not. You bought it when
you were a lot healthier and a lot younger. It's
that's the perfect time to do it.

Speaker 2 (21:05):
You know.

Speaker 3 (21:05):
I bought life insurance. I mean, I was selling insurance.
I turned I was twenty one. I was like, hey,
let's let me go and buy myself a big life
insurance policy. I mean I looked at it today, that
same coverage as like five times and we're talking in
twenty one years, you know. Can you imagine waiting thirty
forty No, you know, and it's just so important to
do that. And you know, maybe you're in a situation

(21:27):
where like hey, I was a little late to the show.
You know, there's options out there. There's a lot of
options out there. I mean, they do get a little
bit more expensive, you know, if you are in a
situation where you do have some medical issues. But this
is why it's so important to really work with someone
like our office that understands this market with life insurance

(21:48):
and has a lot of different options, because you know,
I call them the good old boys, you know, us
guys that are at our forties and fifties that probably
haven't seen a doctor in a decade, you know, and
they're like, hey, I want to go get some life insurance.
So you walk down to your bank or you go
through your property and casualty guy, and he goes, this
is a great rate.

Speaker 2 (22:09):
Let's go do this.

Speaker 3 (22:09):
And the first thing they're gonna do is send out
someone to your house and they're gonna draw blood and
they're gonna find out you got all kinds of issues.
And what's gonna happen to that price. It's gonna be skyrock,
it's gonna be vastly expensive, or they might decline you. Well,
here's a little thing people that I hope you understand.
The insurance companies talk. If you get declined one insurance company,

(22:30):
they all know I cannot go. Then turn around like, hey,
this company says I have all these issues, Well come
to go to you, John, and I'm gonna I'm gonna
I wanna get a better deal because this other guy
told me. No, I'm like, nope, they all talk, they
all know, they already know you did it.

Speaker 1 (22:45):
That Seinfeld episode with Elaine's chart, her medical chart and
all the doctors that they all knew that she was
a pain because the doctor shared the information.

Speaker 2 (22:54):
Same thing. Yeah.

Speaker 3 (22:55):
So I mean, if you're good height and weight and
hopefully not smoking because that's a big rate. But like,
you know, take a look at this if you're in
that situation where like, hey, you know, maybe I should
be looking at life insurance, but I haven't seen a
doctor in five years or ten years or twenty, right,
do not go for a fully under implan. Do not
have that guy come out and do a ParaMed there's
insurance policy is called simplified issue. Right, They don't do

(23:18):
a ParaMed, No one comes out, there's no blood work.
So let me get that life insurance policy on you first,
a little bit more expensive than going through a paramid
because they're going to do their due diligence, right, But
that way I can lock you in and then maybe
in a year we go back and go, hey, now
let's go get that ParaMed done and let's see where
you're at. Well, guess what happens you come back. You

(23:41):
come back and all of a sudden, now you have
all these medical issues that they find in your blood work.
And guess what happens to the life insurance policy I
sold you before? Nothing because a simplified issue. Right, So
we could just stay with that one, or if you
qualify for the better point, I could just move to
the other plane.

Speaker 2 (23:56):
Yeah.

Speaker 3 (23:57):
So again it's strategy, strategy, one on one. This is
why we do it for you.

Speaker 1 (24:01):
Well, and that's I mean, the great thing about working
with you is because you know all the ins and
outs and nuances. He's been doing it for so long.
I mean, you made comments many times on these on
these different programs we've done. You're like the only game
in town when it comes to this thoughtful approach and
insight into different ways of getting insurance and better ways
of getting insurance. No, I mean, somebody that's working for

(24:21):
just and insurance company doesn't have the offerings that you
have and won't walk you through this because they don't
have the insurance that you need to get through the
challenges that you face under these circumstances. It's just that's
why we deal with John Rollman the team at Covers Sincy.
Listen in the remaining minutes we've got here. Uh, tips
for choosing the right plan.

Speaker 3 (24:42):
I mean, I think it's that's kind of more open ended.
I think the tips here is and at the end
of the day, regardless you work with us and I
understand you maybe you have a broker, maybe best friend
or something like that. Uh, if you're calling us, it's
it's about sitting down and having open conversation. I want
you to understand your exact situation, exactly what you're looking for,

(25:04):
so that can make the best advice. You know, tips
about getting health coverage. I mean two when you're young
and healthy, and if that's your situation and you're a
little bit older, or or you're paying for health insurance
right now. Listen, if you're paying for health insurance right now,
you should look at other options all the time, right,
you know, because there's new plans. I have new plans
like every three months, Brian, and literally we call back

(25:25):
our clients and go, hey, listen, this is better. You know,
do you want to switch? And we switch a lot
of our clients because that's what we do. My goal
is to keep you as a client, not just to
sell you something and walk away and go, good luck
with that plan, and you know, call so you need
something ten years from now, right. You know, that's really
really important is to do your due diligence on that end.
Make sure when you're working with a broker or an agent,

(25:48):
you're not dealing with somebody in a call center, right.
I mean, there's so many people that do medicare and
call centers. There's so many people that do life insurance,
even health insurance and call centers. You're a number on
a page they called, you know, all they get paid
because they sold you, they don't care, and at the
end of the day, they're not long they work there.
And then it's some conglomerate that just basically owns your

(26:10):
policy and they're the ones going to be managing and
taking care of it in the future. And you're never
even be able to talk to that agent again. So
it's you know, if you want someone that's going to
be there for you, be able to help you and
give you that a device, and you know, be there
for the long haul. I mean, you've got to work
with someone like us, because you know you should look
at this. And the best thing I can ever tell

(26:30):
you when you even you call on them, I will
flat out tell you should say where you're at, you're
the best plan. Yeah, my god. My job's not here
just to sell you something. My job is to make
sure you're in a better situation. I mean, you surprised
how many people we've turned away just because I thought
they're on the best plan. And you know, we'll give
them some advice too, like, hey, don't don't let anybody
take us off you. And you know, hey, look at

(26:50):
your plan has a couple of little perks that you're
not aware of because we look at your policy. You
should look into this. This might actually help you and
save you a little bit more money.

Speaker 1 (26:57):
Yeah, and I just wanted to sort of only encourage
if you know, like there were some senior listeners in
the audience right now, you've got grandchildren or children that
are younger, you might want to pass along the importance
of getting ahead of the game and having them reach
out to John Rowlan and the team to look at
their insurance situation. Do they have life insurance? Have they

(27:18):
considered the whole concept of pre existing condition, Not that
in some cases it's going to matter or not, but
given all the available options that John and the team have,
he'll be really prudent for you to suggest that they
give John and the team McCall or reach out to
him through the website.

Speaker 3 (27:30):
And the best thing you can do as a grandparent,
especially for young kids, Yeah, it's nice to give them
a nice little shiny toy that they want. Think about
getting them life insurance. Yeah, that is the best thing
you can give them, because when you're gone and they're
eighteen thirty years old, right, they were looking back like, hey,
my grandparents set this up for me. I got a
couple hundred thousand dollars in there, and you do the
right plan to build some cash value. You might have

(27:52):
some money for college, might have somebody for your not
paying me your first house. What an amazing gift you
can give as a grandparent.

Speaker 1 (27:58):
That is something that I guarantee you have very few people,
if any other than you would think about the gift
of life insurance.

Speaker 3 (28:05):
If a life insurance and something you can take loans
out on, if it's a whole life.

Speaker 1 (28:09):
Well, death and taxes, you know, the inevitable, it's going
to happen at some point, sad as the reality may be,
but of course the life insurance is there to kind
of take the sting out of it for those who survive.

Speaker 2 (28:18):
Well.

Speaker 1 (28:19):
It's been a great conversation John, very informative as always,
and I know my listeners are now like, okay, what
was the contact information? How do I get in touch
with John on the team? How do I refer my
grandson over there? It's a five one three eight hundred
call five one three eight hundred two two five five
Online it's cover Sincy with a Y or I Coversincy

(28:39):
dot com and there's a form on the website that
you can fill out to get this process initiated, and
that John of the team will reach out to you.
And as I like to emphasize the reminder, if you
are listening and you're outside of the greater Cincinnati area,
they can still help you.

Speaker 2 (28:50):
You've got offices all over the.

Speaker 3 (28:51):
Place, and we're in all fifty states, all.

Speaker 1 (28:53):
Fifty state, so this applies to you wherever you happen
to be. Remember John and the team and give them
a ring.
Advertise With Us

Popular Podcasts

Law & Order: Criminal Justice System - Season 1 & Season 2

Law & Order: Criminal Justice System - Season 1 & Season 2

Season Two Out Now! Law & Order: Criminal Justice System tells the real stories behind the landmark cases that have shaped how the most dangerous and influential criminals in America are prosecuted. In its second season, the series tackles the threat of terrorism in the United States. From the rise of extremist political groups in the 60s to domestic lone wolves in the modern day, we explore how organizations like the FBI and Joint Terrorism Take Force have evolved to fight back against a multitude of terrorist threats.

Dateline NBC

Dateline NBC

Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com

NFL Daily with Gregg Rosenthal

NFL Daily with Gregg Rosenthal

Gregg Rosenthal and a rotating crew of elite NFL Media co-hosts, including Patrick Claybon, Colleen Wolfe, Steve Wyche, Nick Shook and Jourdan Rodrigue of The Athletic get you caught up daily on all the NFL news and analysis you need to be smarter and funnier than your friends.

Music, radio and podcasts, all free. Listen online or download the iHeart App.

Connect

© 2025 iHeartMedia, Inc.