Defender Advisors

09/19/2024

When Insurance Is A Battle... You Need A Defender

09/10/2024

Call, text, email, or message for a quote!

864-706-4315
[email protected]
www.defenderadvisors.com

09/06/2024

Big changes are coming to the health insurance world this year!

Short term plans have taken a big hit - I don't typically recommend them, but if you've been relying on insurance that requires you to renew it every few months, you're likely in need of a new policy.

If you're wondering how you may be impacted by this or any other changes to your policy, we've got you! Schedule a consult today!

09/03/2024

Just one question today: Do you pay too much for your health insurance?
If yes, feel free to reach out!
If no, that's awesome!
If you're not sure, let's find out together!

[email protected]
864-706-4315

05/21/2024

Don't settle for cookie cutter solutions in this day and age. Whether it's AI, uncreative marketing teams, or pure coincidence, many industries are dominated by a bunch of people doing the exact. same. thing.

A quick search on LinkedIn for health insurance came up with this. Oof. Just a small sample of a bunch of identical, generic, advertisements for health insurance. The exact same thing happens on Facebook.

If you're about to search on social media or Google for a health insurance guy, stop before you get flooded with hundreds of the same messages and comments. Reach out to me first and if I can't help you, I guarantee I can get you with someone who will.

05/20/2024

Real People, Real Results!

A couple near Memphis, Tennessee, going through a career change, both about to turn 40 came to me looking for alternatives to their employer plan. He was offered a plan for over $600/month for the two of them, while it would have been under $100/month for just him. The employer plan had a high deductible, but had reasonable copays.

I found them some great options that included the following choices, I ended up saving them money, and it turns out they got better coverage too!

Option 1: He stays on employer plan, she gets an individual plan for $309/month (Total: $389/month)

Option 2: They ended up declining the employer option and got a family plan for $489/month with a $0 deductible. They were happier with a middle ground price that got them a fantastic plan!

This is in no way an offer of insurance or a personalized quote for those reading, simply another great example of how I was able to help! For a no pressure, quick quote, message me, comment here, or set up a consult at www.defenderadvisors.com!

When Insurance Is A Battle... You Need A Defender

05/14/2024

Looking for an affordable solution for your franchise or small business with 1-49 employees? Let's talk! Through Association Health Plans, you can leverage the purchasing power of thousands of small businesses like yourself to get comprehensive coverage at better rates than the ACA can offer!

05/14/2024

Real People, Real Results:

Due to the nature of my position, I am able to access better plans, premiums, and deductibles than what is publicly available online. I wouldn't invest without discussing options with a professional, I view health insurance the same way. If you'd like to book a consult, do so here: https://calendly.com/defenderadvisors/zander-knowles

Here is real life example of a healthy family of 4. The husband is self employed (no employer benefits), they travel often, and they do not qualify for a subsidy due to income. Their options include the following, and they gave me permission to share this. These quotes do not represent offers of insurance, as not all options are available to everyone.

ACA/Public Bronze EPO plan: $1177/month, $7500 deductible, $9400 max out of pocket, no dental or vision

ACA/Public Gold HMO: $1697/month, $750 deductible, $7500 max out of pocket, includes dental/vision

Private Catastrophic PPO: $634/month, $0 deductible, $3000 catastrophic cap

Private Elite Tier PPO: $1158/month, $2500 deductible, $4500 max out of pocket, includes dental/vision

Please be near a smartphone/tablet/computer so that I can share my screen with you! This process allows for full transparency and clarity for both of us!

05/14/2024

Why does Obamacare (ACA) get such a bad reputation? Let's take a quick look, and see if an alternative makes sense for you!

The simple answer is that when the government gets involved, things get less efficient. But what about from the insurance company's perspective?

The Affordable Care Act created a standard that required compliant plans to cover a list of 10 things in a very specific matter, including accepting any and all pre-existing conditions. That makes a lot of sense, especially for the people with those conditions. But the end result is an increase in deductibles, premiums, copays, and out of pocket maximums, as the insurance company is now taking on more risk.

So with costs skyrocketing, how can I best act as an advocate for both your wallet and your health needs? The first question I'll ask is if you have any major medical concerns. If you do, we emphasize getting those covered. If you don't, we emphasize finding a plan that will give you a better premium due to you being less of a risk to the insurance company. That can result in amazing plans that still end up saving you 20-40% on your premiums!

Let's see if I can help you out!

Please be near a smartphone/tablet/computer so that I can share my screen with you! This process allows for full transparency and clarity for both of us!

05/14/2024

Real People, Real Results!

A client of mine in Michigan (23 year old male) is covered by his parent's health insurance plan. However, the restrictive network would not travel with him when he went on an out-of-state missions trip. I made his life very easy with the lowest deductible ($0), out of pocket cost, and largest network possible, getting him comprehensive coverage for just $143/month while he was out of town.

This is in no way an offer of coverage as everyone qualifies for different things, but is simply an example of what I can do to help!

12/08/2023

Just 1 week left in Open Enrollment! DM to see if we can save you money. If you're an individual, family, or small business, we probably can!