Breast Cancer Awareness Month Help Your Clients Protect Themselves

Breast Cancer Awareness Month: Help Your Clients Protect Themselves

Approximately 1 in 8 women born today in the United States will get breast cancer at some point, the second most common kind of cancer in women1. While most women can survive breast cancer if it’s detected and treated early 1, there are several lifestyle factors that your clients should consider when assessing risk, including:

  • Consuming dairy (with risk of death increasing for those who continue to consumer dairy after diagnosis)2
  • Being overweight or obese3
  • Not being physically active3
  • Regularly drinking alcohol4
  • Taking hormone replacement therapy4
  • Taking hormonal birth control3

 

The month of October is Breast Cancer Awareness Month, an opportunity to raise awareness about steps women can take to decrease their risk and to detect and treat this disease. It’s also an opportunity to help your clients protect themselves from potential financial challenges that can come with breast cancer treatment. When faced with high deductibles, high copays, and high premiums, it can be difficult for your clients to afford medical coverage.

Limited medical plans can offer economical options that can help do just that for your clients who are:
  • Anticipating rising medical expenses
  • Unable to afford major medical coverage
  • Not eligible for short-term medical coverage
  • Looking for supplemental coverage to their major medical plans
 With these products, you can offer your clients many features, including:
  • The freedom to choose any doctor or hospital of their choice
  • Guaranteed issue coverage with $50-$100 paid toward doctor and specialist visits
  • Offer preventative care for $50, $75, $80, $100
  • Next day coverage or little to no waiting periods for accidental injuries or sickness
  • 12 month waiting period for pre-existing conditions
What are the limitations of limited medical coverage?

This type of plan does not count as minimum essential coverage required by the Affordable Care Act and is not suitable to serve as your clients’ only medical coverage. Although the premiums may be lower than a major medical plan, the benefits are also lower and more restricted.

You may have clients who need to supplement their existing coverage, but who are worried about affordability and value. With limited medical coverage, they have the option to take advantage of low premium rates, discounted network rates, and even access to non-insurance benefits such as a prescription savings program, 24/7/365 video and phone access to quality physicians, and a patient advocacy service.

Learn more about how limited medical options may be ideal for your clients by:

 

Health Insurance Innovations, Inc. is a leading developer and administrator of affordable, web-based individual health insurance plans and ancillary products. We help consumers address their health insurance needs by offering access to a number of products offered by various insurance carriers.

For agent use only – not for use with the general public.

Sources:

1: “October: National Breast Cancer Awareness Month.” U.S. Department of Health and Human Services. https://healthfinder.gov/NHO/OctoberToolkit.aspx

2: “High – and Low-Fat Dairy Intake, Recurrence, and Mortality After Breast Cancer Diagnosis.” Candyce H. Kroenke Marilyn L. Kwan Carol Sweeney Adrienne Castillo Bette J. Caan. https://academic.oup.com/jnci/article/105/9/616/986948/High-and-Low-Fat-Dairy-Intake-Recurrence-and

3: “Lifestyle-Related Breast Cancer Risk Factors.” American Cancer Society. https://www.cancer.org/cancer/breast-cancer/risk-and-prevention/lifestyle-related-breast-cancer-risk-factors.html

4: “Lifestyle: How Our Lifestyle and Choices Affect Breast Cancer Risk.” Breast Cancer Now. http://breastcancernow.org/about-breast-cancer/what-can-cause-breast-cancer/lifestyle

 

2017 Open Enrollment is Approaching Are You Ready

Open Enrollment is Approaching: Are You Ready?

Open Enrollment is just around the corner, and it’s important that you provide your clients with up-to-date details about coverage options that fit their health concerns, budget, and lifestyle needs.

If you’re enrolling clients in ACA coverage, here are some important dates to remember:

November 1, 2017

Open Enrollment Period begins

December 15, 2017

Open Enrollment Period ends

January 1, 2018

Plans sold during Open Enrollment become effective

Your clients will undoubtedly have questions about which options address their needs as well as provide affordable and quality coverage. While it is not a substitute for ACA or other major medical plans, short-term medical coverage may be an appropriate option for those who are:

  • Graduating from college and/or in need of replacing their student insurance
  • Transitioning between jobs
  • Waiting for employer insurance to begin
  • Rolling off parents’ coverage
  • Retiring soon and waiting for Medicare coverage to become effective

You may also have clients who miss the Open Enrollment period and reach out to you at that time to help them address their coverage needs. Short-term medical coverage may be an appropriate option for those clients as well.

Short-term medical plans can provide features to your clients such as:
  • Flexibility in timing of enrollment – there is not special enrollment period Preventive care for individuals as well as for families
  • Lower premiums than other types of plans
  • Access to providers of choice
  • Convenience of filing a claim in provider’s office with an additional option to submit their own claims for reimbursement

It’s important that your clients understand there are limitations associated with short-term medical plans such as restrictions for pre-existing conditions, maximum coverage periods, and restrictions on renewability. Ensure consumers fully understand the details, exclusions, limitations, and restrictions of any short-term medical plans prior to making a purchasing decision.

STM coverage is not intended to be a replacement or alternative to ACA or other major medical plans nor does it provide the minimum essential health benefits that are required and it won’t help to avoid the fee for not carrying health insurance.

Remember: There is no special enrollment period for short-term medical plans. This may provide you more flexibility in helping your clients manage their health coverage needs.

Learn more about Open Enrollment and short-term medical coverage by:

Health Insurance Innovations, Inc. is a leading developer and administrator of affordable, web-based individual health insurance plans and ancillary products. We help consumers address their health insurance needs by offering access to a number of products offered by various insurance carriers.

For agent use only – not for use with the general public.