12/06/2023
I don't often promote this, but it's frustrating to see business owners make poor decisions regarding their health coverage.
You don't have to work with my team or me, but please, at least consider this free advice and use it.
Firstly, the most crucial aspect of your plan is the network.
Your network dictates where you can utilize your coverage. It's like having a brand-new iPhone 15 that only works within a 30-mile radius—almost useless.
Yet, I often see people opting for an HMO plan that few doctors accept.
Secondly, if you're self-employed, prioritize a long-term plan. I've witnessed many who've paid for insurance for years, only to be dropped or face skyrocketing rates once their health status changes.
This leaves you seeking new options with pre-existing conditions, making it tough to find quality coverage.
Thirdly, focus on covering significant risks, not everything. Using insurance for minor doctor visits is like using a high-interest credit card.
Paying cash for small services can save you more in the long run. For significant health issues, where bills can run into millions, quality coverage is essential.
Without financial backing, accessing top-level medical care is unlikely.
Remember, medical bills are the leading cause of bankruptcy in America, and healthcare costs are rising.
My advice? Opt for a long-term PPO plan with unlimited benefits, focusing on catastrophic events. This will keep you well-protected.
If you're unsure where to start, I can help. I have agents licensed in 33 states trained to offer the best prices and service.
We assign an agent to each client, ensuring personalized care and a lasting relationship, not just a call to a 1-800 number.
Rant over. If you need assistance, reach out.
P.S. Small business owners, take note: you can access programs that give you the buying power of a large corporation, securing affordable, quality PPO plans. Many, including seasoned insurance professionals, are often unaware of these options.
Don't assume your local broker is fully informed; even agents with decades of experience can offer subpar advice if they haven't kept up with the latest developments.