As we enter the last two weeks of open enrollment, my phone is ringing with last minute comparisons. #wecanhelpwiththat
One of my clients had a tier one, tier two, tier three, and tier four drug prescription. Whew! All of that can get majorly expensive on any provider’s plan. #wecanhelpwiththat
Be assured, there is a good plan that meets your specific needs. As an independent agent, I can compare across plans. Every insurance carrier (United Healthcare, Humana, Aetna, and others) has plans for each zip code. They are competitively priced in different areas of medical need. No one can predict what you will need in 90 days, but you can look ahead using your history and potential needs. #wecanhelpwiththat
So here is a set of needs of a client:
. Keep monthly costs predictable and as low as possible
. Keep extra costs as low as possible (emergencies, added doctor visits, specialists co-pays, etc..)
. Use a specific doctor and their referral network
. Provide for urgent care nationwide (they travel a few times a year)
. Keep it simple to get healthcare
. Support a specific set of hospitals in the area
. Basic dental and eyewear coverage beyond medicare medical coverage
Here are a few needs they do not have:
. Access to a variety of doctors on and off plan
. Nationwide network (one of our advantage providers supports a nationwide PPO network, which I think is pretty cool if it meets your needs)
#wecanhelpwiththat
Based on this set of criteria, we compared a few of the larger companies and found a good HMO advantage plan that reduces their current costs by $140 a month and reduces co-pays to specialists and for their pharmacy prescriptions by a few dollars. Overall, they can potentially save $1800 a year. Look at 5 years and that is $9,000. Wow! It is a simple change for them. #wecanhelpwiththat
They have a plan with a major carrier that they signed up for 10 years ago. Plans change. There are options for you that might meet your needs and experience better than the plan you signed up for in the past. Open enrollment gives you the advantage of taking a look at current offerings in your area and keeping medical costs better contained. #wecanhelpwiththat
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Phil – phil@soluminsurance.com 405.494.0637
SOLUM SERVICES 