Episode Transcript
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Speaker 1 (00:02):
Hi, It's Brian Thomas with John Ruhlman of Cover sincey.
This is another edition of Rethink Healthcare Together. I normally
host the fifty five Caresey Morning Show Monday through Friday,
but take a little time every Sunday to spend some
time with John Roulman and talk about the better way
of getting medical coverage. How John and his team can
help you get better superior dollar one even coverage for
(00:27):
less money. And my mind is typically blown at least
once or twice during every segment. It's like, you know,
John ends up getting three hundred dollars return check when
he had gone to doing a different way like you
or I might have done under a different plan, he'd
end up paying three, four or five six thousand dollars
out of pocket while going to a hospital. So he
(00:48):
knows how, he knows better ways. He works with a
couple of hundred different insurance companies, access to thousands of
policies and puts together a package of insurance that's just
specifically tailored to where you are in your life or
in the case of businesses, your entire team. Everybody's different.
They talk to every member or every employee that you
have to find out where they are. Each person gets
(01:10):
a different package of insurance and it puts a smile
on everybody's face. Trust me on that one. I've got
nothing but positive responses from the listeners who've taken my
advice and given his team a call. So John, let's
just do an overview of the process of how this works.
It's easy for me to say, yeah, just give John
(01:31):
a call. But once that happens, what's the follow up?
How does it work? And and you know, let's just
let's just tell me give people an indication of what
they should expect when they do this.
Speaker 2 (01:43):
Oh absolutely, and before we written to that real quick,
and because right now everybody's probably listening to it, like, well,
I got my insurance taken care of because open rollment's over, right.
Oh that's so like the individuals the open it's over,
they're no longer you don't longer really have access to
that unless you have a special enrollment period and qualification.
(02:05):
But that's why one people just really kind of think
about at this point, like it's not too late. I mean,
we do insurance all year long, and really the only
thing there's not an open enrollment for right now is
the Obamacare plans, right, so the private plans, everything else
that's out there that can, let's be honest with you,
really save you money by getting outside of the Affordable
Care Act. And that's where we really focus on this
(02:28):
time of year, moving forward to the next opening role
in November is looking at, you know, the underwritten policies.
You know, if you're relatively healthy, if you're in a
situation where you're like, hey, you know, I really don't
use my insurance a lot, or I barely use that
I have a couple of med refills, or I just
you know, I looked at the Obamacare stuff. I make
(02:49):
too much money that I'm not get to get tax credit,
and I really don't want to pay a fifteen hundred
dollars eighteen hundred dollars a month premium for my family.
Or you are and you don't realize there's a lot alternative.
This is really for you guys today. Or you're a
group and you're paying on a group plan and you're
less than fifty employees and like, is there is there
a better alternative? This is what I want you to
kind of go through because I'm gonna walk you kind
(03:11):
of through the process of when you contact us every
step along the way that we're gonna help you and
facilitate you and take that burden off you, so you're
not feeling like, well, I'm gonna be doing I'm gonna
be buying some insurances to write me something. I don't
know what's going on. I hope I get approved.
Speaker 1 (03:26):
What do I do?
Speaker 2 (03:27):
Like, I'm gonna walk you through that whole process of
you know, the inner mechanisms of how we go through
your situation, you know. And the first thing is, you know,
it's a simple process to get it started, right, and
so I mean, we have the websites Coversinc. Dot com.
You can go right there. There's a secure form. Everything
we do is one hundred percent secure. We are HIPPOC
(03:47):
compliant right right, So if you put your medical information there,
it ain't going anywhere. I'm not a lead gen company.
I'm not taking your information and selling it to somebody else.
That makes no sense. If you go on on my
website and fill that format, or you give us a
call at five one three eight hundred two two five five,
you know you are talking to my staff, my agents,
my team, at all times, no one else. It'll you
(04:11):
be working with someone here local that I'll be dealing
with you one.
Speaker 1 (04:15):
You're not outsourcing them to a call center and put in.
Speaker 2 (04:17):
Job no, no, no, definitely be cheaper. But I really
you know, our employees that we have and everything like
that is you know, they their first rate, They they
know the industry. We give them a lot of training
and they know everybody's you know, situations that they come
through because we want to have them all those resources
and you know, asking the right questions, you know, that's
(04:38):
that's kind of our job, is making sure that we're
asking the right questions. But you know, when you fill
that format, it's pretty you know, in detail. I mean
the basic information I need is your name, you know,
and phone number and zip code so I know where
you're working. But the more information you fill out in
the beginning on that forum, the better it is for us,
because we're gonna do a lot of due diligence on
the back end to make sure you know what we're
(04:59):
looking at because every person's situation is different, right, I mean,
it's you know, what's your current plan that you're on,
what's you're current pricing? I want to know that because
I want to I mean, my goal is to diagnose
the current situation that you're in, and then make sure
like hey, does this make sense to move them?
Speaker 1 (05:15):
You know?
Speaker 2 (05:16):
Or I will absolutely as I've always done, you know,
tell you like, no, I think you're in a perfect spot.
There's nothing really we can do for you. I think
you need to stay exactly where you're at, you know,
because of your situation. Stay there, and at least you
have that reassurance that like, you know, hey, John and
this team have hundreds of options. They told me to
stay there. Yeah, So stop answering, because I guarantee you.
(05:36):
I get phone calls from solicitors for health insurance because
I'm a small business owner all the time. I don't
know how they have my cell phone, they call it.
I get three phone calls a day. One of them
is usually for health insurance. That's funny, it's hilarious. And
do you ever polar chain a little bit like.
Speaker 1 (05:52):
Oh, I've.
Speaker 2 (05:54):
Past Brian. Yes, I've answered the phone calls because I
mean again, it's just like, oh, maybe someone's gonna tell
me something I haven't heard. And usually it's someone selling
a vastly inferior product, you know, selling a low in
indemnity plan or or are a sharing plan or something
like that, and you know they they tell you, oh,
(06:14):
it's a PPO and you can go anywhere in your
average savings eighty percent. I go, I know what this means,
because at some point somebody saved eighty percent of your
network discount. You can't tell me it's an eighty twenty plan,
like that's illegal, Okay, click, yeah, yeah, I'll tell them that.
You know it's But I mean, there are a lot
of scams out there. I get clients a call on
all the time, Brian, go, hey, this guy is just
(06:35):
I don't know how he's half the price and he's
telling me it's an eighty twenty plan and I don't
I have a zero reductible And I'm like, run, don't walk,
run away, don't ever answer that phone call again, because
it's not what you need and you're gonna be vastly exposed.
Speaker 1 (06:50):
So I go quick here on that note, since there
are so many, I mean real scam artists out there.
Are there scam artists that do this cold call type things,
trying to sell people insurance that really doesn't exist. I
mean they literally lie in an effort to either extort
them for information or try to get money.
Speaker 2 (07:07):
I mean there's a possibility. I mean, I mean I
haven't personally seen that, but I mean the scams that
are out there, Brian are so intricate.
Speaker 1 (07:15):
Dave Hatter and so I am on edge for scams everywhere.
He just got me so jaded and cynical about the
workings of the world.
Speaker 2 (07:22):
I'm sure they are, okay, I mean, I mean, the
funniest thing is, like I had I had a legit
company that I work with, and they did a promotion
and they're giving like a raffle away and apparently I
got third place, and they sent me a W nine
form because they go, well, the prize is more than
six hundred and fifty dollars, so we have to, like,
you know, you have to have to claim it. I'm like,
(07:43):
all right, I've dealt with this company before. They sent
me this email and even has their back end like
at that company. I'm like, I'm still gonna call you, right,
I got to send you my security number. I literally
called them, like no, no, John, it's legit, you've been
here for a while, you actually ended up winning blah blah.
Speaker 1 (08:00):
Blah, and get in touch with the real source.
Speaker 2 (08:05):
The real source I'm going to give you my social
and it's going to be out there somewhere, right, so I.
Speaker 1 (08:08):
Want to have to take you down that road. But
that's kind of information that's really valuable across the no.
Speaker 2 (08:13):
What you see is that there's there's so many products
out there right there, and and and there's products that
are designed to be like supplemental to catastrophic coverages are
major medical And what happens a lot of times is
it's it's a product that insurance company. Right. We sell
these types of products, right, But they're not designed to
be sold by themselves. They're not it's not designed to
(08:35):
be put a client in this product and don't have
other pieces to it that protect them financially from a cancer,
heart attacker, stroke. And what happens is sometimes these products
and some of these companies will really incentivize the salespeople
to sell those products. It could be commissions, it could
be bonuses, whatever it is. And so someone will create
a company and go, we are just going to sell
(08:57):
this product, and we're going to sell this product alone.
And they go out there and they just push this
product and they're not really doing the right thing for
the client. But most of the sales guys don't know that.
You know, it's just some guy. This guy's insurance license.
This is what my boss told me to sell. And
that's that's a bad situation to be in. And that's
why I say you have to be very careful. Make
sure you're going through a repudal company. You know, we
(09:17):
look at everything. I mean, I don't go I go
with an open table or whatever, or look like Google
reviews for every restaurant that I ever go to. I mean, god,
I mean how many people look up the companies that
they're buying insurance from, you know, not the insurance company,
but the company that's selling it, and look at like,
oh right, this guy's got two star rating? Like why
am I listening to this person?
Speaker 1 (09:37):
Right?
Speaker 2 (09:38):
I mean, you know ours is five? Like, I mean,
we've been doing this for twenty years. I mean that's
because we're doing the right thing. But kind of getting
back to that, you know, when you fill those forums out,
and I know we kind of brushed over that, but
when you fill the forums out, put us much information
that you can possibly give in there. I mean I
want to know everything your current medication history, especially if
you've changed a prescription. In the last six months that
(09:59):
could affect company is that we can go to or
make sure that you know, I want to make sure, like, hey,
I'm I'm on Eloquist at six hundred bucks a pop.
I want to make sure that I'm building you a
plan that's going to cover the six hundred all a
month medication. You know, look at previous surgeries. You know,
especially if with something that's ongoing, or hey, I got
that might have to have a surgery in the future,
(10:19):
that can completely adjust what I'm doing. You know, Hey,
I got this old knee injury, I might have to
have knee replacement surgery within the next year. That thinks
a big difference between or that goes I got a
bad knee, I might need a knee surgery in ten years.
That that changes what we're going to look at and
how we're going to design the plan for you. And
really you know, talk we always try to talk about,
(10:41):
like how are you utilizing healthcare right now? You know,
if your guy goes like I don't use it at all,
I mean we might show you something that's a little
bit less expensive, that doesn't have the coverage for the
four thousand dollars a month medication because you don't need
that right now. Because we're working in a really unique
time and this is different from when I first started.
So insurance, Brian, where I can pivot and change plans
(11:03):
even when things get developed over time. That's that's crazy.
I mean because most people it's kind of like, yes,
I can sell you the fire insurance on your home
when your house is on fire.
Speaker 1 (11:14):
Yeah, the pre existing condition thing seems to have gone
the way of the DODO.
Speaker 2 (11:18):
Well, it's it's it's it's there on the cheaper, more affordable,
better coverage options. It's not there, you know, it's it's
it's the pre existing We're talking about pre existing conditions
where they can't you know, they have to cover it.
It is you know, it's tied into the ACA, you know,
so yes I can. I Literally when I first started, Brian,
I had a young girl, she was like in her
(11:40):
late twenties, got diagnosed with cancer, never had health insurance
as the very first year the ACA started in like
twenty thirteen, and I wrote her right beforehand, and she
had a four dollars a month health insurance premium and
she didn't have a check in counter credit card. I'm
like you have to pay for it, you have to go.
So I don't really walk her through like how to
get a credit card, because she didn't. She didn't even
(12:01):
she was even equipped at that point. But she needed
help to get to cancer coverage and I was able
to write it for and she like it was middle
of December and January first she got coverage and she
started her chemotherapy and everything at that point, which is
just crazy. And that's that's when the light bulbs went off, like, hey,
we have a kind of a unique situation right now.
You know, I can just plans on the fly. That's
kind of crazy. And that's kind of this whole process
(12:22):
kind of developed here over the last you know, decade.
Speaker 1 (12:25):
All right, So it's five and three eight hundred call
or eight hundred two two five five coversincy dot com.
The forum there put all the information you can, you know,
the past, present and future medical history medications. As you
mentioned surgeries you had. I suppose maybe i'd get a
discount of the policies as I've already had my appendix removes,
like I don't have to worry about paying for an
(12:46):
appendicite is down the road.
Speaker 2 (12:48):
I joke about that all the time, because I get
I get women that call me, they go like, ah
to haystrected me. I was like, well, that's like most
of the potential cancer's gone, right, yeah, and they don't
give you a discount on.
Speaker 1 (12:57):
Those Okay, I had to ask it would be nice,
all right, and then what's what happens after that is
the Okay, So the conversation is an issue either via
phone call or the form on the website. And I
suppose if someone calls you, you'll ask all these questions
over the phone or do you have one on one?
Speaker 2 (13:16):
Yeah, my staff asks those questions up front because really
what we're doing in that first is an intake, right,
I want to get all of your information, and then
what we're gonna do is we're going to schedule you
one of our professionally licensed agents myself, my team that
are in the office that I've personally trained, and they're
going to walk you through that process so we get
that information. Then what we're gonna do is we're gonna
schedule a time that makes the most sense for you.
Speaker 1 (13:38):
Uh.
Speaker 2 (13:38):
And this is going to done multiple different ways, and
it can be done in person. You can come to
my office, you know, we can do a Zoom meeting.
It can be a phone call. I prefer in person
or a Zoom meeting because I want to be able
to show you everything over your computer. I'm not a
I'm a visual person.
Speaker 1 (13:52):
I'm not.
Speaker 2 (13:52):
I mean, you can tell me things and it's kind
of like my add kicks in and like it disappears
if I can see it, you know, I can, I
can view it. So we have a lot of the listeners,
a lot of our clients that do it through Zoom.
They want to do it from the comfort of their home.
Schedule a time when you and your spouse can be there,
because we're going to take time. You know, you're to
block off thirty forty five minutes to an hour to
(14:13):
kind of go through this process because we're building a
package together, you know, And that's what our team's really
kind of doing, because we're like said, we're gonna diagnose
your current situation and then we're gonna work through like
an adapt a plan around on you your needs and
your budget, you know, and then or of course we
might at that point tell you like you're in the
best situations to day where you're at, and then we're
(14:34):
gonna work through all the things for you, you know,
at that at that stage, so they're gonna help you
with the application process. You know, they're gonna ask you
all those questions and they're gonna look up your prescriptions.
Cause again that's why you give the information up front,
because we can do that before ahead of time for you.
But that's what you're gonna do. So you're gonna call
in the beginning, you know, schedule that appointment. You know,
within that day or a couple of days in the future.
(14:56):
You know, you're gonna be sitting down with one of
our agents. You're gonna be going through that whole process.
They're gonna line out the different options for you. You're
gonna be able to pick and choose what you want,
you know, that's the beauty of it. It's you know.
And then on top of that, they're gonna walk walk
you through, like the process at that point you know,
when things are gonna be going through through and it
being effective, they're gonna help you do the application process.
(15:16):
I'm not here to send you like the application, Hey,
go fill U out on your ound. I want to
walk you through that to make sure that things are
answered correctly. I don't want it to be an issue
in the future if something comes up and go, well,
I didn't read that question right, so I answered it no,
and then it was supposed to be yes, and now
they're not paying this Like, we don't want to do that.
We want to walk you through that process so that
everything is as close to bulletproof as possible. And we're
(15:39):
gonna talk to you how you're gonna get qualified, because again,
a lot of things that we're gonna be able to
do you have to go through an underwriting process.
Speaker 1 (15:46):
I was just gonna answer you about the underwriting process, So.
Speaker 2 (15:49):
I mean, and that's kind of the next thing will
kind of help. But there's there's a good underwriting process
to go through because you know, again if you're relatively healthy,
you want to go get qualified. You know, it's kind
of that whole thing like people to hear about like
final expense life insurance, right, It's it's pretty much like,
as long as you're not dying, I can sell it
to you. You're not getting much coverage, and the pricing is,
you know, five hundred percent more than if you go
(16:12):
and get blood work done. You know, why not save
the money? You know, And again this is not life,
and you know we sell life and yours of course,
but getting health insurance, you're not going through a ParaMed
You're not having some come out and draw blood. You're
not you know, they're not measuring your height and weight
or anything along along that pressure blood pressure, not doing that.
You know, you don't have to pein a cup for this.
(16:33):
They use a lot of technology right now that basically
scrubs prescription history through RX. They'll look at any major
things on you know, Medical Information Bureau, so it's not
it's more of an electronic system now. But again, as
long as we do a lot of that stuff during
the application process, this the approval process usually ends up
being streamlined. But once you actually deal with the age
(16:55):
in the beginning, then you actually start dealing with our
care team, and our care team will walk you through
the underwriting process if anything comes back from the carrier,
if there's any more information. They're kind of the hands
on piece as the approval process goes through. And the
one thing I always want to tell listeners is this
takes time. You know, on average a couple weeks, two
to three weeks, so it's it's very difficult when I
(17:17):
have people call up and go, hey, I have to
make a decision tomorrow about my group health insurance. You know,
I'm like, I can get you a price, but I mean,
don't do that. Don't do that. Give us a little
bit of time. I want to make sure that all
of our ducts in a row and that you're happy
with everything and everything's cemented before you say no, I'm
not taking my group insurance next year, you know. And
(17:39):
then you know, again, there's different things that can kind
of come up. I mean, insurance companies might want to
do a phone interview, they might need to pull medical records.
My team will walk through that whole situation with you
and keep you in the loop if anything kind of
comes up, to go through that process. But it is
but again, a lot of the stuff can be alleviated
by you know, making sure that you give us a
proper information up front. You know, we get a lot
(18:01):
of people to go, well, if I just don't tell him,
maybe I'll get a better deal. I mean, the insurance
companies find out and then they're pulling medical records because
they're saying, hey, you didn't disclose this, and it just
kind of clogs up the wheels.
Speaker 1 (18:13):
It's always frightening to me to realize though, how much
there is out there now. It's insecure databases, which you
know is I sort of say that reluctantly because I
don't believe anything is that secure, But it is all
out there. If you have the resources, you can find
what's gone on in terms of your medical history. They can,
so right, So be forthcoming, and.
Speaker 2 (18:36):
I'll give you a funny thing that I didn't even realize.
I walked into a pharmacy the other day and we
had just changed insurance. Because that's kind of my madness,
I could try the plans that I'm on, so I
started on a new plan. I walked in there, I
was like, the farmer said, I'm like, hey, I need
to update my new insurance. They go, let me take
a look here real quick. We already got it. I
was like, I've never been here before, Like this is
the first time. How did you know? That's all. We
(18:58):
just look it up and we can tell exactly what
insurance company you have for your prescription.
Speaker 1 (19:01):
Well that's creepy.
Speaker 2 (19:02):
I was like, wow, I listen.
Speaker 1 (19:07):
I appreciate the efficiency of that that you didn't have
to go through some you know, even reasonably short process
of letting them update your records while you were standing there.
But the idea that they had that you walked into
a place you've never been, you see, it's everywhere, it's
it is it is.
Speaker 2 (19:23):
And then that scared me a little bit too, because
I'm like, man, if I would have just kind of
said just yes and not wanting to shop this price,
I mean, I could have gotten too a bad situation
at that point, you know. So again, it is, it is.
It is a streamline. It's the whole control of everything, right,
it's going to a doctor, controlling your prescription, where you're,
where you're sending it. I'm going to schedule you with
one of our specialists. It's like the more they can
(19:44):
control in house, the more they keep to the the
dollars within the organization, you know. And and that and
that hurts and hinders us from being able to shop,
you know. And that's why I always say, get a prescription.
I want you to handwrite me one. Give me a
prescription for that, Mr. I handwrite it for me, Doc.
I want be able to shop around. Don't just send
it to your hospital because they're going charge me ten
times more, you know. And that's just something you need
(20:05):
to be aware of. And we actually do walk every
client through that. That's actually part of the process. When
we go through that, through that initial you know, uh consultation,
we do like a five to ten minute with them,
like talking about things they can shop, like, hey, you're
on this and this, We're gonna help your shop. I'm
gonna show you how to do it so you can
do it in the future. But again, kind of going
(20:25):
through that underwriting process, that's what's so important. And again,
don't feel like, oh, I applied for this insurance and
they came back and they didn't want me, right, I mean,
it's you know, we always you know, we always try
to go the process of making sure that we put
you with the product that we think will prove you
and it's the best product in your situation. But things happen.
(20:48):
You know, we had a client that we applied for
and you know, something was in their medical history where
we're una aware of they had just done a prescription change,
and this company is a little bit more stringent on that.
They don't like to see a prescription change in the
last six months, so they end up declining for that,
you know, and it's like wait, that's okay. It's okay
that that plan didn't work out. I have one hundred
other options. Yeah, yeah, you know, and that point will pivot.
(21:10):
And that's one of the things where we try to
tell clients up front. It's like, hey, this is option A.
We have option A through Z, so like, I want
to go this option first, and you know, be's going
to be just as good. It might just be a
little bit more expensive. We're a little tweaker differently than
we would like, but there's still another really good option
for you. And that's that's the kind of a process
as you're working with us. It's not like I just
(21:31):
called United Healthcare and United Healthcare don't want me, and
I went through that whole process and I got to
go find somebody else to trust and go figure you
you know what I mean. Now, you're just just getting
your information out the three four different people to try
to figure out where you get insurance. Once you go
through us, we will walk you through all those pieces
and that's something that we'll do. Through that through that
care team, through that underwriting process.
Speaker 1 (21:51):
Then the follow up after approval comes in.
Speaker 2 (21:53):
Oh yeah, and that's that's really important. So it's not
just you know, we're not hands off at that point
and going, hey, you know you're going to get to
pack it in the mail, right, So at that at
that process, once we find out you're officially approved, you know,
our team will actually reach out to you and let
you know the situation as far as you know when
money will be drafted or when bills will be due
(22:14):
on your products, walking you through that, so you're very
secure on that at that point and that point only
you know, we will advise you to cancel any other
current coverage that you have. That's so important, Like, do
not call me to buy health insurance. I didn't like
my insurance. I just canceled it, and so I want
to buy some new one. Keep the current plan that
you're on, right, please please let us let us get
(22:37):
you something different. And then when that's enforced and approve,
then call and cancel their company.
Speaker 1 (22:43):
I hop you have to return unearned premium.
Speaker 2 (22:47):
Some of them do, depending upon the product. We always
try to tie things in base upon effective dates and cycles.
So like if you're paying the first of each month,
like you know, I'm gonna you know right now, if
you're applying for insurance, I'm gonna I'm gonna get you
set up for February first. I'm not gonna do it
for tomorrow because then you're double paying for the stunts.
Because not every company will back pay and pay you
(23:10):
out like, oh, you only had us for half a month,
or we're gonna give you half a month. Some products
that are out there will make you pay for the
entire month. So we're not We're not in that situation,
and we know most of those companies. So we always
tied it in kind of to your cycle, which is
very simple. Guys, people I don't even know when they
take the money out. We base it upon the effective
date of your coverage. So if you look at your
insurance card and goes, I got October first of twenty eighteen,
(23:34):
your cycle is the first of each month. That's how
we will orchestrate your new coverage. So February first or
March first, or whatever it is, it'll be the same cycle.
So you're not double paying. We don't want that to
ever happen. And of course, like I said, that's that's
the process of approval and everything that we go through.
We'll also follow back up with you at that point,
make sure you got anything all your policies. Usually a
(23:56):
couple of weeks later, you know, we want to make
sure if you have any question and you know, because
again I know at that point, you know, we've had
an hour conversation with you, you going through underwriting, two
or three weeks came by and you're like, oh, I
absorbed about thirty percent of what Ashton told me. What's
one of my agents? And I can't remember everything. I
(24:18):
know he told me a couple of things. So at
that point, that's what the care team will reinform you.
You know, like, hey, what other questions that you have?
Are you you have all your coverages, this is what
you need to use. This is your primary, this is
your secondary, this is how you use it. Again, so
we reiterate that with them because I want to make
sure you're very comfortable with that situation. That and they're
very well trained on the processes that we go through too,
so that you know what you have there. But then
(24:40):
you know, once you're a client, that's I think the
real big piece that kind of comes in for us
because now you have that concierge service at my office, yes,
that can answer those questions at any point in time.
I mean when I first got insurance years ago, I
don't think I used it for five years, didn't even
go anywhere. I didn't get a physical, nothing, just I
was twenty four years old. It just there's my next
insurance policy. Didn't even use it. And it happens to
(25:03):
a lot of our clients. I got a client one time,
just call me Brian and goes, I haven't used this
at all on six years. Can I get any of
my money back? I'm like, it's insurance, buddy, That's not
how that works, I said. But realistically, the package that
you put you in was a lot less expensive than
what you could have on.
Speaker 1 (25:20):
I I guess it's fairer than someone might ask that question.
I just find it's so laughably preposterous. You know, it's insurance.
I know you're actually you know, it's like catastrophic you know,
fire insurance is something way that you don't want to
have to use. It meant your house burned out, you
may get I literally sell something to my clients, Brian
(25:41):
that I hope I never use. I hope you never
use this, but I guarantee you probably will. There's not
a question of if it's when, but it's you know,
it's it's that process. But and that's where you know
our care team, So you have a you have a
direct line to our care team as a client. And
this is what we talked about on numerous shows. You know,
I forgot to use my so I lost a card
or or I have something coming up and then I
(26:04):
have a surgery and I just want to make sure
this is am I going to the right place? Am
I going to be in a bad situation? Well, we
talked about that last week. It was the whole idea
of you've got the list of providers and you know
what the charges are going to be, and you can
steer someone to someplace where they will pay a lot
less money than the hospital or the other guy or
(26:25):
gal or doctor is the case maybe you know, I
mean that that to me, this component that we're talking
about now has always been the best return on investment
of working with you guys. Obviously, you're gonna get somebody
the best possible coverage at the lowest dollar at your outset,
at the outset and after we go through us unwriting process.
(26:48):
But the idea that I don't have to remember really
anything about it, that I can just call you guys up.
Remember my number, the number, Yeah, you know, five one,
three eight, inner call. I'll all I need to know
is that number any given time during the relationship. Well,
I've ensured to you and you will. You'll just re
explain it maybe for the third time, or or walk
(27:12):
me through whatever problem I'm facing. And I just I
love that that's there. I love that you find people
the right physicians at the right price, that you you know,
and there's so many stumbling blocks and problems out there
within this medical insurance broad concept that we're talking about,
and you guys have a handle on all of it.
That that sound advice, that information, and that that dedicated
(27:35):
committed team. I mean, you guys care about what you're
doing for your your your insurance.
Speaker 2 (27:40):
Absolutely. I mean I'll give you I'll give you an
example here right now. We had a client for years
chose a less expensive product because that made sense. They
were late twenties, like they didn't need that. Like I
talked about the five thousand dollars prescription plan right like,
they weren't on it, but then something came up he
ended up having to be on it. And you know,
(28:02):
they're walking to the pharmacy doctor writes him a prescription
and goes to the pharmacy and goes John John this
this drug's like a thousand bucks. I'm like, all right,
hold on a second. He goes, you sold me this plan.
I'm like, yeah, buddy, you chose the really expensive option.
You're twenty six years old, like you know. I didn't
want to sell you the five hundred dollars month plan
that's going to cover all this stuff at that point.
(28:22):
You chose not to. I was like, but listen, just
take a deep breath. This is a prescription that I
know pharmaceutical companies there's samples of. I was like, what
you call your doctor right away. See if there's samples
sitting in the they're the storeroom at their doctor's office,
right And then I know I can get you this
drug through Canada. It's it's less than eighty bucks a month.
(28:44):
I was like, see, we don't need to change. Yeah,
this is a Canadian pharmacy stage ways, I said, But
the problem is it takes about thirty days forty five
days to get it through Canada. Yeah, that's the process.
I was like, if you can get a month or
two in samples, I'll help you get this drug covered
and walk you through it. Fifteen minutes done call. This
doc was able to pick up the prescription that the samples.
He was absolutely done, truly never had to change his
(29:05):
health insurance policy then have to buy the more expensive plan.
Speaker 1 (29:09):
The service sells itself. That's what we get to talk about.
You remind people every week here on. This has been
another edition with Rethink Healthcare together with John Rohlman. Get
in touch with him. It's obviously the right thing to do.
Five one three eight hundred two two five five five
one three eight hundred call. Fill out the form online.
Just make sure you fill out as much information as
is asked for. It moves out the process. That's Coversinc.
(29:32):
Dot com and they'll get right back with you
Hi, It's Brian Thomas with John Ruhlman of Cover sincey.
This is another edition of Rethink Healthcare Together. I normally
host the fifty five Caresey Morning Show Monday through Friday,
but take a little time every Sunday to spend some
time with John Roulman and talk about the better way
of getting medical coverage. How John and his team can
help you get better superior dollar one even coverage for
(00:27):
less money. And my mind is typically blown at least
once or twice during every segment. It's like, you know,
John ends up getting three hundred dollars return check when
he had gone to doing a different way like you
or I might have done under a different plan, he'd
end up paying three, four or five six thousand dollars
out of pocket while going to a hospital. So he
(00:48):
knows how, he knows better ways. He works with a
couple of hundred different insurance companies, access to thousands of
policies and puts together a package of insurance that's just
specifically tailored to where you are in your life or
in the case of businesses, your entire team. Everybody's different.
They talk to every member or every employee that you
have to find out where they are. Each person gets
(01:10):
a different package of insurance and it puts a smile
on everybody's face. Trust me on that one. I've got
nothing but positive responses from the listeners who've taken my
advice and given his team a call. So John, let's
just do an overview of the process of how this works.
It's easy for me to say, yeah, just give John
(01:31):
a call. But once that happens, what's the follow up?
How does it work? And and you know, let's just
let's just tell me give people an indication of what
they should expect when they do this.
Speaker 2 (01:43):
Oh absolutely, and before we written to that real quick,
and because right now everybody's probably listening to it, like, well,
I got my insurance taken care of because open rollment's over, right.
Oh that's so like the individuals the open it's over,
they're no longer you don't longer really have access to
that unless you have a special enrollment period and qualification.
(02:05):
But that's why one people just really kind of think
about at this point, like it's not too late. I mean,
we do insurance all year long, and really the only
thing there's not an open enrollment for right now is
the Obamacare plans, right, so the private plans, everything else
that's out there that can, let's be honest with you,
really save you money by getting outside of the Affordable
Care Act. And that's where we really focus on this
(02:28):
time of year, moving forward to the next opening role
in November is looking at, you know, the underwritten policies.
You know, if you're relatively healthy, if you're in a
situation where you're like, hey, you know, I really don't
use my insurance a lot, or I barely use that
I have a couple of med refills, or I just
you know, I looked at the Obamacare stuff. I make
(02:49):
too much money that I'm not get to get tax credit,
and I really don't want to pay a fifteen hundred
dollars eighteen hundred dollars a month premium for my family.
Or you are and you don't realize there's a lot alternative.
This is really for you guys today. Or you're a
group and you're paying on a group plan and you're
less than fifty employees and like, is there is there
a better alternative? This is what I want you to
kind of go through because I'm gonna walk you kind
(03:11):
of through the process of when you contact us every
step along the way that we're gonna help you and
facilitate you and take that burden off you, so you're
not feeling like, well, I'm gonna be doing I'm gonna
be buying some insurances to write me something. I don't
know what's going on. I hope I get approved.
Speaker 1 (03:26):
What do I do?
Speaker 2 (03:27):
Like, I'm gonna walk you through that whole process of
you know, the inner mechanisms of how we go through
your situation, you know. And the first thing is, you know,
it's a simple process to get it started, right, and
so I mean, we have the websites Coversinc. Dot com.
You can go right there. There's a secure form. Everything
we do is one hundred percent secure. We are HIPPOC
(03:47):
compliant right right, So if you put your medical information there,
it ain't going anywhere. I'm not a lead gen company.
I'm not taking your information and selling it to somebody else.
That makes no sense. If you go on on my
website and fill that format, or you give us a
call at five one three eight hundred two two five five,
you know you are talking to my staff, my agents,
my team, at all times, no one else. It'll you
(04:11):
be working with someone here local that I'll be dealing
with you one.
Speaker 1 (04:15):
You're not outsourcing them to a call center and put in.
Speaker 2 (04:17):
Job no, no, no, definitely be cheaper. But I really
you know, our employees that we have and everything like
that is you know, they their first rate, They they
know the industry. We give them a lot of training
and they know everybody's you know, situations that they come
through because we want to have them all those resources
and you know, asking the right questions, you know, that's
(04:38):
that's kind of our job, is making sure that we're
asking the right questions. But you know, when you fill
that format, it's pretty you know, in detail. I mean
the basic information I need is your name, you know,
and phone number and zip code so I know where
you're working. But the more information you fill out in
the beginning on that forum, the better it is for us,
because we're gonna do a lot of due diligence on
the back end to make sure you know what we're
(04:59):
looking at because every person's situation is different, right, I mean,
it's you know, what's your current plan that you're on,
what's you're current pricing? I want to know that because
I want to I mean, my goal is to diagnose
the current situation that you're in, and then make sure
like hey, does this make sense to move them?
Speaker 1 (05:15):
You know?
Speaker 2 (05:16):
Or I will absolutely as I've always done, you know,
tell you like, no, I think you're in a perfect spot.
There's nothing really we can do for you. I think
you need to stay exactly where you're at, you know,
because of your situation. Stay there, and at least you
have that reassurance that like, you know, hey, John and
this team have hundreds of options. They told me to
stay there. Yeah, So stop answering, because I guarantee you.
(05:36):
I get phone calls from solicitors for health insurance because
I'm a small business owner all the time. I don't
know how they have my cell phone, they call it.
I get three phone calls a day. One of them
is usually for health insurance. That's funny, it's hilarious. And
do you ever polar chain a little bit like.
Speaker 1 (05:52):
Oh, I've.
Speaker 2 (05:54):
Past Brian. Yes, I've answered the phone calls because I
mean again, it's just like, oh, maybe someone's gonna tell
me something I haven't heard. And usually it's someone selling
a vastly inferior product, you know, selling a low in
indemnity plan or or are a sharing plan or something
like that, and you know they they tell you, oh,
(06:14):
it's a PPO and you can go anywhere in your
average savings eighty percent. I go, I know what this means,
because at some point somebody saved eighty percent of your
network discount. You can't tell me it's an eighty twenty plan,
like that's illegal, Okay, click, yeah, yeah, I'll tell them that.
You know it's But I mean, there are a lot
of scams out there. I get clients a call on
all the time, Brian, go, hey, this guy is just
(06:35):
I don't know how he's half the price and he's
telling me it's an eighty twenty plan and I don't
I have a zero reductible And I'm like, run, don't walk,
run away, don't ever answer that phone call again, because
it's not what you need and you're gonna be vastly exposed.
Speaker 1 (06:50):
So I go quick here on that note, since there
are so many, I mean real scam artists out there.
Are there scam artists that do this cold call type things,
trying to sell people insurance that really doesn't exist. I
mean they literally lie in an effort to either extort
them for information or try to get money.
Speaker 2 (07:07):
I mean there's a possibility. I mean, I mean I
haven't personally seen that, but I mean the scams that
are out there, Brian are so intricate.
Speaker 1 (07:15):
Dave Hatter and so I am on edge for scams everywhere.
He just got me so jaded and cynical about the
workings of the world.
Speaker 2 (07:22):
I'm sure they are, okay, I mean, I mean, the
funniest thing is, like I had I had a legit
company that I work with, and they did a promotion
and they're giving like a raffle away and apparently I
got third place, and they sent me a W nine
form because they go, well, the prize is more than
six hundred and fifty dollars, so we have to, like,
you know, you have to have to claim it. I'm like,
(07:43):
all right, I've dealt with this company before. They sent
me this email and even has their back end like
at that company. I'm like, I'm still gonna call you, right,
I got to send you my security number. I literally
called them, like no, no, John, it's legit, you've been
here for a while, you actually ended up winning blah blah.
Speaker 1 (08:00):
Blah, and get in touch with the real source.
Speaker 2 (08:05):
The real source I'm going to give you my social
and it's going to be out there somewhere, right, so I.
Speaker 1 (08:08):
Want to have to take you down that road. But
that's kind of information that's really valuable across the no.
Speaker 2 (08:13):
What you see is that there's there's so many products
out there right there, and and and there's products that
are designed to be like supplemental to catastrophic coverages are
major medical And what happens a lot of times is
it's it's a product that insurance company. Right. We sell
these types of products, right, But they're not designed to
be sold by themselves. They're not it's not designed to
(08:35):
be put a client in this product and don't have
other pieces to it that protect them financially from a cancer,
heart attacker, stroke. And what happens is sometimes these products
and some of these companies will really incentivize the salespeople
to sell those products. It could be commissions, it could
be bonuses, whatever it is. And so someone will create
a company and go, we are just going to sell
(08:57):
this product, and we're going to sell this product alone.
And they go out there and they just push this
product and they're not really doing the right thing for
the client. But most of the sales guys don't know that.
You know, it's just some guy. This guy's insurance license.
This is what my boss told me to sell. And
that's that's a bad situation to be in. And that's
why I say you have to be very careful. Make
sure you're going through a repudal company. You know, we
(09:17):
look at everything. I mean, I don't go I go
with an open table or whatever, or look like Google
reviews for every restaurant that I ever go to. I mean, god,
I mean how many people look up the companies that
they're buying insurance from, you know, not the insurance company,
but the company that's selling it, and look at like,
oh right, this guy's got two star rating? Like why
am I listening to this person?
Speaker 1 (09:37):
Right?
Speaker 2 (09:38):
I mean, you know ours is five? Like, I mean,
we've been doing this for twenty years. I mean that's
because we're doing the right thing. But kind of getting
back to that, you know, when you fill those forums out,
and I know we kind of brushed over that, but
when you fill the forums out, put us much information
that you can possibly give in there. I mean I
want to know everything your current medication history, especially if
you've changed a prescription. In the last six months that
(09:59):
could affect company is that we can go to or
make sure that you know, I want to make sure, like, hey,
I'm I'm on Eloquist at six hundred bucks a pop.
I want to make sure that I'm building you a
plan that's going to cover the six hundred all a
month medication. You know, look at previous surgeries. You know,
especially if with something that's ongoing, or hey, I got
that might have to have a surgery in the future,
(10:19):
that can completely adjust what I'm doing. You know, Hey,
I got this old knee injury, I might have to
have knee replacement surgery within the next year. That thinks
a big difference between or that goes I got a
bad knee, I might need a knee surgery in ten years.
That that changes what we're going to look at and
how we're going to design the plan for you. And
really you know, talk we always try to talk about,
(10:41):
like how are you utilizing healthcare right now? You know,
if your guy goes like I don't use it at all,
I mean we might show you something that's a little
bit less expensive, that doesn't have the coverage for the
four thousand dollars a month medication because you don't need
that right now. Because we're working in a really unique
time and this is different from when I first started.
So insurance, Brian, where I can pivot and change plans
(11:03):
even when things get developed over time. That's that's crazy.
I mean because most people it's kind of like, yes,
I can sell you the fire insurance on your home
when your house is on fire.
Speaker 1 (11:14):
Yeah, the pre existing condition thing seems to have gone
the way of the DODO.
Speaker 2 (11:18):
Well, it's it's it's it's there on the cheaper, more affordable,
better coverage options. It's not there, you know, it's it's
it's the pre existing We're talking about pre existing conditions
where they can't you know, they have to cover it.
It is you know, it's tied into the ACA, you know,
so yes I can. I Literally when I first started, Brian,
I had a young girl, she was like in her
(11:40):
late twenties, got diagnosed with cancer, never had health insurance
as the very first year the ACA started in like
twenty thirteen, and I wrote her right beforehand, and she
had a four dollars a month health insurance premium and
she didn't have a check in counter credit card. I'm
like you have to pay for it, you have to go.
So I don't really walk her through like how to
get a credit card, because she didn't. She didn't even
(12:01):
she was even equipped at that point. But she needed
help to get to cancer coverage and I was able
to write it for and she like it was middle
of December and January first she got coverage and she
started her chemotherapy and everything at that point, which is
just crazy. And that's that's when the light bulbs went off, like, hey,
we have a kind of a unique situation right now.
You know, I can just plans on the fly. That's
kind of crazy. And that's kind of this whole process
(12:22):
kind of developed here over the last you know, decade.
Speaker 1 (12:25):
All right, So it's five and three eight hundred call
or eight hundred two two five five coversincy dot com.
The forum there put all the information you can, you know,
the past, present and future medical history medications. As you
mentioned surgeries you had. I suppose maybe i'd get a
discount of the policies as I've already had my appendix removes,
like I don't have to worry about paying for an
(12:46):
appendicite is down the road.
Speaker 2 (12:48):
I joke about that all the time, because I get
I get women that call me, they go like, ah
to haystrected me. I was like, well, that's like most
of the potential cancer's gone, right, yeah, and they don't
give you a discount on.
Speaker 1 (12:57):
Those Okay, I had to ask it would be nice,
all right, and then what's what happens after that is
the Okay, So the conversation is an issue either via
phone call or the form on the website. And I
suppose if someone calls you, you'll ask all these questions
over the phone or do you have one on one?
Speaker 2 (13:16):
Yeah, my staff asks those questions up front because really
what we're doing in that first is an intake, right,
I want to get all of your information, and then
what we're gonna do is we're going to schedule you
one of our professionally licensed agents myself, my team that
are in the office that I've personally trained, and they're
going to walk you through that process so we get
that information. Then what we're gonna do is we're gonna
schedule a time that makes the most sense for you.
Speaker 1 (13:38):
Uh.
Speaker 2 (13:38):
And this is going to done multiple different ways, and
it can be done in person. You can come to
my office, you know, we can do a Zoom meeting.
It can be a phone call. I prefer in person
or a Zoom meeting because I want to be able
to show you everything over your computer. I'm not a
I'm a visual person.
Speaker 1 (13:52):
I'm not.
Speaker 2 (13:52):
I mean, you can tell me things and it's kind
of like my add kicks in and like it disappears
if I can see it, you know, I can, I
can view it. So we have a lot of the listeners,
a lot of our clients that do it through Zoom.
They want to do it from the comfort of their home.
Schedule a time when you and your spouse can be there,
because we're going to take time. You know, you're to
block off thirty forty five minutes to an hour to
(14:13):
kind of go through this process because we're building a
package together, you know, And that's what our team's really
kind of doing, because we're like said, we're gonna diagnose
your current situation and then we're gonna work through like
an adapt a plan around on you your needs and
your budget, you know, and then or of course we
might at that point tell you like you're in the
best situations to day where you're at, and then we're
(14:34):
gonna work through all the things for you, you know,
at that at that stage, so they're gonna help you
with the application process. You know, they're gonna ask you
all those questions and they're gonna look up your prescriptions.
Cause again that's why you give the information up front,
because we can do that before ahead of time for you.
But that's what you're gonna do. So you're gonna call
in the beginning, you know, schedule that appointment. You know,
within that day or a couple of days in the future.
(14:56):
You know, you're gonna be sitting down with one of
our agents. You're gonna be going through that whole process.
They're gonna line out the different options for you. You're
gonna be able to pick and choose what you want,
you know, that's the beauty of it. It's you know.
And then on top of that, they're gonna walk walk
you through, like the process at that point you know,
when things are gonna be going through through and it
being effective, they're gonna help you do the application process.
(15:16):
I'm not here to send you like the application, Hey,
go fill U out on your ound. I want to
walk you through that to make sure that things are
answered correctly. I don't want it to be an issue
in the future if something comes up and go, well,
I didn't read that question right, so I answered it no,
and then it was supposed to be yes, and now
they're not paying this Like, we don't want to do that.
We want to walk you through that process so that
everything is as close to bulletproof as possible. And we're
(15:39):
gonna talk to you how you're gonna get qualified, because again,
a lot of things that we're gonna be able to
do you have to go through an underwriting process.
Speaker 1 (15:46):
I was just gonna answer you about the underwriting process, So.
Speaker 2 (15:49):
I mean, and that's kind of the next thing will
kind of help. But there's there's a good underwriting process
to go through because you know, again if you're relatively healthy,
you want to go get qualified. You know, it's kind
of that whole thing like people to hear about like
final expense life insurance, right, It's it's pretty much like,
as long as you're not dying, I can sell it
to you. You're not getting much coverage, and the pricing is,
you know, five hundred percent more than if you go
(16:12):
and get blood work done. You know, why not save
the money? You know, And again this is not life,
and you know we sell life and yours of course,
but getting health insurance, you're not going through a ParaMed
You're not having some come out and draw blood. You're
not you know, they're not measuring your height and weight
or anything along along that pressure blood pressure, not doing that.
You know, you don't have to pein a cup for this.
(16:33):
They use a lot of technology right now that basically
scrubs prescription history through RX. They'll look at any major
things on you know, Medical Information Bureau, so it's not
it's more of an electronic system now. But again, as
long as we do a lot of that stuff during
the application process, this the approval process usually ends up
being streamlined. But once you actually deal with the age
(16:55):
in the beginning, then you actually start dealing with our
care team, and our care team will walk you through
the underwriting process if anything comes back from the carrier,
if there's any more information. They're kind of the hands
on piece as the approval process goes through. And the
one thing I always want to tell listeners is this
takes time. You know, on average a couple weeks, two
to three weeks, so it's it's very difficult when I
(17:17):
have people call up and go, hey, I have to
make a decision tomorrow about my group health insurance. You know,
I'm like, I can get you a price, but I mean,
don't do that. Don't do that. Give us a little
bit of time. I want to make sure that all
of our ducts in a row and that you're happy
with everything and everything's cemented before you say no, I'm
not taking my group insurance next year, you know. And
(17:39):
then you know, again, there's different things that can kind
of come up. I mean, insurance companies might want to
do a phone interview, they might need to pull medical records.
My team will walk through that whole situation with you
and keep you in the loop if anything kind of
comes up, to go through that process. But it is
but again, a lot of the stuff can be alleviated
by you know, making sure that you give us a
proper information up front. You know, we get a lot
(18:01):
of people to go, well, if I just don't tell him,
maybe I'll get a better deal. I mean, the insurance
companies find out and then they're pulling medical records because
they're saying, hey, you didn't disclose this, and it just
kind of clogs up the wheels.
Speaker 1 (18:13):
It's always frightening to me to realize though, how much
there is out there now. It's insecure databases, which you
know is I sort of say that reluctantly because I
don't believe anything is that secure, But it is all
out there. If you have the resources, you can find
what's gone on in terms of your medical history. They can,
so right, So be forthcoming, and.
Speaker 2 (18:36):
I'll give you a funny thing that I didn't even realize.
I walked into a pharmacy the other day and we
had just changed insurance. Because that's kind of my madness,
I could try the plans that I'm on, so I
started on a new plan. I walked in there, I
was like, the farmer said, I'm like, hey, I need
to update my new insurance. They go, let me take
a look here real quick. We already got it. I
was like, I've never been here before, Like this is
the first time. How did you know? That's all. We
(18:58):
just look it up and we can tell exactly what
insurance company you have for your prescription.
Speaker 1 (19:01):
Well that's creepy.
Speaker 2 (19:02):
I was like, wow, I listen.
Speaker 1 (19:07):
I appreciate the efficiency of that that you didn't have
to go through some you know, even reasonably short process
of letting them update your records while you were standing there.
But the idea that they had that you walked into
a place you've never been, you see, it's everywhere, it's
it is it is.
Speaker 2 (19:23):
And then that scared me a little bit too, because
I'm like, man, if I would have just kind of
said just yes and not wanting to shop this price,
I mean, I could have gotten too a bad situation
at that point, you know. So again, it is, it is.
It is a streamline. It's the whole control of everything, right,
it's going to a doctor, controlling your prescription, where you're,
where you're sending it. I'm going to schedule you with
one of our specialists. It's like the more they can
(19:44):
control in house, the more they keep to the the
dollars within the organization, you know. And and that and
that hurts and hinders us from being able to shop,
you know. And that's why I always say, get a prescription.
I want you to handwrite me one. Give me a
prescription for that, Mr. I handwrite it for me, Doc.
I want be able to shop around. Don't just send
it to your hospital because they're going charge me ten
times more, you know. And that's just something you need
(20:05):
to be aware of. And we actually do walk every
client through that. That's actually part of the process. When
we go through that, through that initial you know, uh consultation,
we do like a five to ten minute with them,
like talking about things they can shop, like, hey, you're
on this and this, We're gonna help your shop. I'm
gonna show you how to do it so you can
do it in the future. But again, kind of going
(20:25):
through that underwriting process, that's what's so important. And again,
don't feel like, oh, I applied for this insurance and
they came back and they didn't want me, right, I mean,
it's you know, we always you know, we always try
to go the process of making sure that we put
you with the product that we think will prove you
and it's the best product in your situation. But things happen.
(20:48):
You know, we had a client that we applied for
and you know, something was in their medical history where
we're una aware of they had just done a prescription change,
and this company is a little bit more stringent on that.
They don't like to see a prescription change in the
last six months, so they end up declining for that,
you know, and it's like wait, that's okay. It's okay
that that plan didn't work out. I have one hundred
other options. Yeah, yeah, you know, and that point will pivot.
(21:10):
And that's one of the things where we try to
tell clients up front. It's like, hey, this is option A.
We have option A through Z, so like, I want
to go this option first, and you know, be's going
to be just as good. It might just be a
little bit more expensive. We're a little tweaker differently than
we would like, but there's still another really good option
for you. And that's that's the kind of a process
as you're working with us. It's not like I just
(21:31):
called United Healthcare and United Healthcare don't want me, and
I went through that whole process and I got to
go find somebody else to trust and go figure you
you know what I mean. Now, you're just just getting
your information out the three four different people to try
to figure out where you get insurance. Once you go
through us, we will walk you through all those pieces
and that's something that we'll do. Through that through that
care team, through that underwriting process.
Speaker 1 (21:51):
Then the follow up after approval comes in.
Speaker 2 (21:53):
Oh yeah, and that's that's really important. So it's not
just you know, we're not hands off at that point
and going, hey, you know you're going to get to
pack it in the mail, right, So at that at
that process, once we find out you're officially approved, you know,
our team will actually reach out to you and let
you know the situation as far as you know when
money will be drafted or when bills will be due
(22:14):
on your products, walking you through that, so you're very
secure on that at that point and that point only
you know, we will advise you to cancel any other
current coverage that you have. That's so important, Like, do
not call me to buy health insurance. I didn't like
my insurance. I just canceled it, and so I want
to buy some new one. Keep the current plan that
you're on, right, please please let us let us get
(22:37):
you something different. And then when that's enforced and approve,
then call and cancel their company.
Speaker 1 (22:43):
I hop you have to return unearned premium.
Speaker 2 (22:47):
Some of them do, depending upon the product. We always
try to tie things in base upon effective dates and cycles.
So like if you're paying the first of each month,
like you know, I'm gonna you know right now, if
you're applying for insurance, I'm gonna I'm gonna get you
set up for February first. I'm not gonna do it
for tomorrow because then you're double paying for the stunts.
Because not every company will back pay and pay you
(23:10):
out like, oh, you only had us for half a month,
or we're gonna give you half a month. Some products
that are out there will make you pay for the
entire month. So we're not We're not in that situation,
and we know most of those companies. So we always
tied it in kind of to your cycle, which is
very simple. Guys, people I don't even know when they
take the money out. We base it upon the effective
date of your coverage. So if you look at your
insurance card and goes, I got October first of twenty eighteen,
(23:34):
your cycle is the first of each month. That's how
we will orchestrate your new coverage. So February first or
March first, or whatever it is, it'll be the same cycle.
So you're not double paying. We don't want that to
ever happen. And of course, like I said, that's that's
the process of approval and everything that we go through.
We'll also follow back up with you at that point,
make sure you got anything all your policies. Usually a
(23:56):
couple of weeks later, you know, we want to make
sure if you have any question and you know, because
again I know at that point, you know, we've had
an hour conversation with you, you going through underwriting, two
or three weeks came by and you're like, oh, I
absorbed about thirty percent of what Ashton told me. What's
one of my agents? And I can't remember everything. I
(24:18):
know he told me a couple of things. So at
that point, that's what the care team will reinform you.
You know, like, hey, what other questions that you have?
Are you you have all your coverages, this is what
you need to use. This is your primary, this is
your secondary, this is how you use it. Again, so
we reiterate that with them because I want to make
sure you're very comfortable with that situation. That and they're
very well trained on the processes that we go through too,
so that you know what you have there. But then
(24:40):
you know, once you're a client, that's I think the
real big piece that kind of comes in for us
because now you have that concierge service at my office, yes,
that can answer those questions at any point in time.
I mean when I first got insurance years ago, I
don't think I used it for five years, didn't even
go anywhere. I didn't get a physical, nothing, just I
was twenty four years old. It just there's my next
insurance policy. Didn't even use it. And it happens to
(25:03):
a lot of our clients. I got a client one time,
just call me Brian and goes, I haven't used this
at all on six years. Can I get any of
my money back? I'm like, it's insurance, buddy, That's not
how that works, I said. But realistically, the package that
you put you in was a lot less expensive than
what you could have on.
Speaker 1 (25:20):
I I guess it's fairer than someone might ask that question.
I just find it's so laughably preposterous. You know, it's insurance.
I know you're actually you know, it's like catastrophic you know,
fire insurance is something way that you don't want to
have to use. It meant your house burned out, you
may get I literally sell something to my clients, Brian
(25:41):
that I hope I never use. I hope you never
use this, but I guarantee you probably will. There's not
a question of if it's when, but it's you know,
it's it's that process. But and that's where you know
our care team, So you have a you have a
direct line to our care team as a client. And
this is what we talked about on numerous shows. You know,
I forgot to use my so I lost a card
or or I have something coming up and then I
(26:04):
have a surgery and I just want to make sure
this is am I going to the right place? Am
I going to be in a bad situation? Well, we
talked about that last week. It was the whole idea
of you've got the list of providers and you know
what the charges are going to be, and you can
steer someone to someplace where they will pay a lot
less money than the hospital or the other guy or
(26:25):
gal or doctor is the case maybe you know, I
mean that that to me, this component that we're talking
about now has always been the best return on investment
of working with you guys. Obviously, you're gonna get somebody
the best possible coverage at the lowest dollar at your outset,
at the outset and after we go through us unwriting process.
(26:48):
But the idea that I don't have to remember really
anything about it, that I can just call you guys up.
Remember my number, the number, Yeah, you know, five one,
three eight, inner call. I'll all I need to know
is that number any given time during the relationship. Well,
I've ensured to you and you will. You'll just re
explain it maybe for the third time, or or walk
(27:12):
me through whatever problem I'm facing. And I just I
love that that's there. I love that you find people
the right physicians at the right price, that you you know,
and there's so many stumbling blocks and problems out there
within this medical insurance broad concept that we're talking about,
and you guys have a handle on all of it.
That that sound advice, that information, and that that dedicated
(27:35):
committed team. I mean, you guys care about what you're
doing for your your your insurance.
Speaker 2 (27:40):
Absolutely. I mean I'll give you I'll give you an
example here right now. We had a client for years
chose a less expensive product because that made sense. They
were late twenties, like they didn't need that. Like I
talked about the five thousand dollars prescription plan right like,
they weren't on it, but then something came up he
ended up having to be on it. And you know,
(28:02):
they're walking to the pharmacy doctor writes him a prescription
and goes to the pharmacy and goes John John this
this drug's like a thousand bucks. I'm like, all right,
hold on a second. He goes, you sold me this plan.
I'm like, yeah, buddy, you chose the really expensive option.
You're twenty six years old, like you know. I didn't
want to sell you the five hundred dollars month plan
that's going to cover all this stuff at that point.
(28:22):
You chose not to. I was like, but listen, just
take a deep breath. This is a prescription that I
know pharmaceutical companies there's samples of. I was like, what
you call your doctor right away. See if there's samples
sitting in the they're the storeroom at their doctor's office,
right And then I know I can get you this
drug through Canada. It's it's less than eighty bucks a month.
(28:44):
I was like, see, we don't need to change. Yeah,
this is a Canadian pharmacy stage ways, I said, But
the problem is it takes about thirty days forty five
days to get it through Canada. Yeah, that's the process.
I was like, if you can get a month or
two in samples, I'll help you get this drug covered
and walk you through it. Fifteen minutes done call. This
doc was able to pick up the prescription that the samples.
He was absolutely done, truly never had to change his
(29:05):
health insurance policy then have to buy the more expensive plan.
Speaker 1 (29:09):
The service sells itself. That's what we get to talk about.
You remind people every week here on. This has been
another edition with Rethink Healthcare together with John Rohlman. Get
in touch with him. It's obviously the right thing to do.
Five one three eight hundred two two five five five
one three eight hundred call. Fill out the form online.
Just make sure you fill out as much information as
is asked for. It moves out the process. That's Coversinc.
(29:32):
Dot com and they'll get right back with you
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