American Health Options

American Health Options Reviewing ALL of your health coverage options WITHOUT the "sales pitch"

Most people hear โ€œno annual deductibleโ€ and think theyโ€™ve got great coverageโ€ฆ but that can be misleading ๐Ÿ‚๐Ÿ’ฉNearly all of...
05/04/2026

Most people hear โ€œno annual deductibleโ€ and think theyโ€™ve got great coverageโ€ฆ but that can be misleading ๐Ÿ‚๐Ÿ’ฉ

Nearly all of these are indemnity plans, meaning they pay fixed amountsโ€”not the full bill. So if something major happens ๐Ÿฅ, you could still be stuck with huge out-of-pocket costs ๐Ÿ’ธ

Thatโ€™s why catastrophic coverage mattersโ€”it protects you from worst-case scenarios by limiting what you pay and covering the big stuff.

๐Ÿ‘‰ Donโ€™t just pick a plan that sounds goodโ€”make sure it actually protects you when it matters most.

If you need a hand, feel free to reach out!

www.amhealthoptions.com

Happy Star Wars Day! ๐Ÿ˜‰
05/04/2026

Happy Star Wars Day! ๐Ÿ˜‰

๐Ÿ™‹โ€โ™€๏ธ How many of my SELF-EMPLOYED friends have said, or heard someone say, "I don't need health insurance because I neve...
04/23/2026

๐Ÿ™‹โ€โ™€๏ธ How many of my SELF-EMPLOYED friends have said, or heard someone say, "I don't need health insurance because I never go to the doctor"? ๐Ÿ™‹โ€โ™‚๏ธ

๐Ÿ’€ This is a very dangerous misconception! The primary purpose of health insurance is not to pay your bills for you when you go to the doctor. It's to protect you financially from a large claim (just like your car insurance or your homeowner's insurance). โš 

๐ŸŽฐ If you "never go to the doctor", then you don't need a plan with a bunch of bells and whistles...but please don't roll the dice that nothing major will ever happen to you, because that's a bet you'll lose, eventually. And if you don't have catastrophic coverage, it's going to cost you, or your family, a fortune! ๐ŸŽฒ

๐Ÿ† Gimme a call or text and let me show you what low cost options are out there, so YOU have the advantage. ๐Ÿฅ‡

๐Ÿ“ž๐Ÿ“ฑ (239) 940-4268 ๐Ÿ“ฑ๐Ÿ“ž

โ“ I get asked quite often if it's cheaper to put the whole family on one plan, and the answer is..."sometimes". It reall...
10/17/2025

โ“ I get asked quite often if it's cheaper to put the whole family on one plan, and the answer is..."sometimes". It really depends on the needs of everyone in the family. But, if that's pretty consistent, then yes it's absolutely less expensive to have everyone on a family plan. ๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘งโ€๐Ÿ‘ฆ

๐Ÿ›’ If you would like to review family plans, or if you're not quite sure if you need one, gimme a call and we'll review your options together! ๐Ÿค

๐Ÿ“ฑ (239) 940-4268 ๐Ÿ“ž

โšพ A "Sales Pitch", by it's very nature, is supposed to convince you to buy something. But, if it's the right product for...
10/06/2025

โšพ A "Sales Pitch", by it's very nature, is supposed to convince you to buy something. But, if it's the right product for you, you shouldn't need convincing, right? ๐Ÿค”

๐Ÿ‘จโ€๐Ÿซ If you would like to skip the "pitch" and review the actual advantages and (more importantly) disadvantages of ALL of your health coverage options, gimme a call! ๐Ÿฆธโ€โ™‚๏ธ

๐Ÿ“ž (239) 940-4268 ๐Ÿ“ฑ

๐ŸŠ๐ŸŠ This month is Breast Cancer Awareness Month, so I thought I'd do a little PSA and remind all the ladies to get your m...
10/03/2025

๐ŸŠ๐ŸŠ This month is Breast Cancer Awareness Month, so I thought I'd do a little PSA and remind all the ladies to get your mammograms done, if you haven't already. ๐ŸŽ๐ŸŽ

๐Ÿฅ Also, many radiology offices offer low or no cost mammograms, and other specials this month. ๐Ÿ’ฐ

โš ๏ธ Remember, not all plans cover mammograms, though. So, if you need help reviewing your current coverage, or looking at options that do cover it, please reach out! ๐Ÿ‘€

โ˜Ž๏ธ (239) 940-4268 ๐Ÿ“ž

๐Ÿ’ก Did you know most health insurance โ€œagentsโ€ are really just salespeople? ๐Ÿง‘โ€๐Ÿ’ผ They can only offer ONE type of plan ๐Ÿ—‚๏ธโ€”s...
08/30/2025

๐Ÿ’ก Did you know most health insurance โ€œagentsโ€ are really just salespeople? ๐Ÿง‘โ€๐Ÿ’ผ They can only offer ONE type of plan ๐Ÿ—‚๏ธโ€”so they hype up their own product ๐Ÿš€, discourage looking at others ๐Ÿšซ, and sometimes use fear ๐Ÿ˜ฌ to push you into buying.

๐Ÿ‘‰ Thatโ€™s why itโ€™s so important to work with an advisor who can shop ALL types of coverageโ€”Marketplace, Underwritten, Health Share, Short Term, Indemnity Medicare, and more. โœ… Youโ€™ll get unbiased advice ๐Ÿ™Œ and a plan that actually fits you.

When it comes to your health, you donโ€™t need a salesperson. You need an advocate ๐Ÿ›ก๏ธ.

If you need me, call me! ๐Ÿ“ž

(239) 940- 4268

๐Ÿ‚ So, how many of you have sat through a presentation or a sales pitch where the "agent" says things like...     ๐Ÿ’ฉ "Priv...
08/14/2025

๐Ÿ‚ So, how many of you have sat through a presentation or a sales pitch where the "agent" says things like...

๐Ÿ’ฉ "Private Insurance" is better than "Government Insurance"
๐Ÿ’ฉ The Marketplace is terrible coverage and it's only getting worse
๐Ÿ’ฉ The deductible on Marketplace plans is over $9,000
๐Ÿ’ฉ The average price for a Marketplace plan is $1,200/month
๐Ÿ’ฉ You might qualify for a plan specifically designed for small business owners or (insert your industry here)
๐Ÿ’ฉ You should be on this plan which is better benefits for less money

๐Ÿ™„ I don't know how to say this other than to just say, IT'S ALL BS! The health insurance agents out there that truly have your best interests at heart are the ones that are DUAL-CERTIFIED. These are people that can offer ALL options, and not just what makes the most commission. ๐Ÿคฌ

๐Ÿ’ก So, here's a tip, ask your agent if they are CMS-certified. If they aren't, you're either going to get half-truths or outright misinformation. ๐Ÿ‚๐Ÿ’ฉ

๐ŸŽต Happy MEME MONDAY ๐ŸŽถ๐Ÿท๏ธ Many times I evaluate someone's existing coverage and realize there are additional pieces added ...
07/25/2025

๐ŸŽต Happy MEME MONDAY ๐ŸŽถ

๐Ÿท๏ธ Many times I evaluate someone's existing coverage and realize there are additional pieces added to their plan that they were not aware of. ๐Ÿค”

๐Ÿ˜ก Certainly, these supplemental benefits can provide value. Yet, more often than not, they were added without the client's knowledge or consent. In which case, they provide no value to the insured, add to the monthly cost, and can easily be removed to save money. ๐Ÿ’ฐ

โœ… If you'd like a review of your existing coverage, to see if there are any add-ons or supplemental coverage, gimme a call/text! ๐Ÿ“ฒ

โ˜Ž๏ธ (239) 940-4268 ๐Ÿ“ž

A lot of people choose to go without health insurance because โ€œthey donโ€™t use it.โ€ ๐Ÿ™…โ€โ™‚๏ธ But then something major happen...
07/24/2025

A lot of people choose to go without health insurance because โ€œthey donโ€™t use it.โ€ ๐Ÿ™…โ€โ™‚๏ธ But then something major happens โ€” an accident, an illness, a diagnosis โ€” and theyโ€™re stuck with massive medical bills and no coverage. ๐Ÿ’ธ๐Ÿฅ

Health insurance isnโ€™t about how often you use it. Itโ€™s about being protected when you need it most. ๐Ÿ›ก๏ธโค๏ธ

Letโ€™s make sure youโ€™re covered.

๐Ÿ“ž (239) 940-4268

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9990 Coconut Road
Bonita Springs, FL
34135

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