USABG - Miranda Consulting

11/26/2023

Good morning!

11/24/2023

The reason ACA plans are expensive is because the health demographic of the pool of people they're covering is wide enough to cover the sickest of individuals. I know quite a few clients who keep telling me they DON'T want an ACA plan yet are caught off guard when I present them this private insurance plan that is so much better only because they seem to remember the names of the insurance companies that are marketed under the marketplace to Everyone and complain about their prices which are honestly geared to help cover those individuals on the plan that are most likely to use it. Look at it this way... throughout my cancer treatment, I had 32 doses of radiation billed at around $1,500 a pop ALONG with chemotherapy pills that cost over $3,000 for one week's supply... which I took for a year and a half... while my insurance cost approximately $2,500 at the time, it benefited me to cover those costs while another individual on the same plan that is healthy is paying $2,500 for a plan they bought purely because it's a well known ACA plan when that healthy individual could have saved over a thousand by getting a plan that still covers him just as well AND Pays him for the few times he sees the doctor or needs medical services. That insurer is attempting to keep those healthy clients, healthy by enticing them with financial benefits simply to make sure they consistently monitor their health. Those who qualify for private insurance as a reward for being healthy from a company like Philadelphia American Life or Manhattan Life and a few others are often unaware of these companies because one has to Qualify to get it. It's a constant reminder that marketing is key and you need to build trust with your clients so maintain your reputation while helping educate them about their options. If one qualifies for a better non ACA plan, they need to look into it.

Here is an overview of how the Philadelphia American health plan works. Plan features can be customized to provide just the level of coverage you and your fa...

10/19/2023

Why pay for a "Universal fit" medical plan that's made for Everyone that would not qualify for some insurance plans when you're healthy and hardly take medications? Let me get you a health insurance plan that works for you and pays you for those few times that you actually need to use your insurance. After all, when you shop for any other product, you'd never hand someone a signed blank check and have them bill you whatever they want. Take control of your finances and get a health insurance plan/bundle that is made and customized specifically for you!

And if by any chance you do need a plan that covers pre-existing conditions like I do, then I can walk you through the process as well. I'm a broker who's here to serve your needs, because at the end of the day... only someone who's been there knows what comes next. Let me be your guide.

Affordable Choice from ManhattanLife is a Hospital Indemnity Plan that pays fixed benefit amounts for covered services. The plan provides affordability, acce...

10/11/2023

Its time to get an idea of what the ACA is offering you for health Insurance

HealthSherpa is the fastest and easiest way to enroll in ACA / Marketplace health insurance. Click on the link to shop and compare plans, grab a FREE quote, and sign up for coverage.

10/04/2023

As most of you are already aware, I’m a cancer survivor here in Fort Myers, Florida. After the financially crushing blow it delivered, it’s a miracle that I have a dime to my name, but I leveraged the cash value of my life insurance… (a move I do not always recommend, because paying back a large loan against yourself at a 6% APR isn’t advisable), because I know I can educate people on the value of insurance. That being said, my unique experience as the son of a father taken by metastasized prostate cancer at the age of 55 gives me perspective to how important it is to have BOTH, the right Health Insurance as well as the right Life Insurance or Cancer and Specified Disease plan. That experience, along with later on (6 months) being diagnosed with a type of brain cancer known as Oligodendroglioma led me into having to navigate the difficult world of health insurance. The number one thing I’ve learned during the past 20 years… Everyone NEEDS to be screened for cancer BEFORE onset symptoms occur. But before doing so they Should purchase a “Cancer, Heart Attack and Stroke” indemnity plan to protect themselves financially BEFORE being diagnosed with a major disease that can destroy the FAMILY’s life savings. These plans are specifically designed and tailored to make sure your quality of life doesn’t suffer from the financial pitfalls these diseases can bring. Again l’m asking you to please protect yourselves and your loved ones by screening yourselves early. I wasn’t lucky enough to protect myself early enough, but at least I protected my family and I can help protect yours by helping you secure the best health insurance for your needs and asking you to screen yourselves as well as purchase the proper insurance product that meets your needs.

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10/04/2023

As everyone is already aware, I’m a cancer survivor here in Fort Myers, Florida. After the financially crushing blow that my cancer delivered, it’s a miracle that I have a dime to my name, but I managed to leverage the Cash Value of my life insurance… a move I do not always recommend, because paying back a large loan against yourself at a 6% APR isn’t advisable. That being said, I’m willing to bet my Personal Knowledge and Experience I have with in regards to dealing with Life Insurance from handling my father’s death due to metastasize prostate cancer taking him at age 55 as well as dealing with my own life insurance policy when I was diagnosed with cancer just 6 months later (4 months after I bought the policy) to guarantee a future for myself and my kids make me uniquely qualified to lead you down this road. I should also mention that due to being prior service, I’m familiar with Tricare and it’s many limitations as well as being familiar with Medicare and it’s own limitations due to having previously been diagnosed as a terminal cancer patient for over 10 years. I’m not a quitter and believe in doing what’s best for my clients. I will find you whatever policy you need and educate you on how to be your best save your money with your healthcare, life insurance and annuities. Let me show you what you qualify for!

USA Benefits Group is a nationwide network of independent health and life insurance professionals that have been serving individuals, small-business owners and the self-employed since 1988. We offer Health Insurance, Critical Illness, Accident Plans, GAP Plans, Dental Plans, Rx Drug Plans, Life Insu...