Kofax Issues a “Glowing” Case Study on Health Insurance Innovations

Kofax, a leading provider of process automation software, issued a comprehensive review of Health Insurance Innovations’ (HIIQ) new compliance process in a recent case study.

Entitled “Success Story for Healthcare”, the study examines the challenge, solution and results that Kofax Customer Communications Manager™ software has produced for HIIQ’s compliance specialists.

To ensure every customer fully understands the coverage they’re purchasing through a contracted agent or broker, Health Insurance Innovations utilizes sales verification scripts. The agents or broker reads through the script with the customer before their purchase is finalized. Scripts often contain important information like whether the policy meets the requirements of the Affordable Care Act, and which conditions the policy does or does not cover.

With nearly 50 policies ranging from dental care to emergency treatment—and a required script for each one—HIIQ’s compliance department was tasked with managing all updates, revisions, and version control of every script. In the past, this was done manually. But, as Health Insurance Innovations experienced unprecedented growth over the last two years, this manual process became a time and cost-intensive challenge.

That’s when Health Insurance Innovations chose to employ the Kofax Customer Communications Manager™. This software now serves as a single source of up-to-date and accurate information (including sales verification scripts) on all policies distributed via the HIIQ platform.

Furthermore, it automatically maintains a record of document and script edits with an author and date attributed to each change.

“Maintaining consistency across scripts is so much easier than before. Previously, I had to open numerous Microsoft Word documents and PDFs to ensure that the same language was used throughout,” said Dominique Meitzen, Lead Verification Specialist at HIIQ. “Now, I can search our entire script collection at the touch of a button. And if I need to modify a certain block of text, I can make the update once and automatically apply the change to all scripts. The solution is a huge time-saver, enabling me to work more productively.”

The results? Script updates that used to take hours or days are now completed in minutes; agents are happy to work with Health Insurance Innovations knowing they’ll be equipped with timely and accurate product information; and carriers are too, trusting that their policies will be correctly represented to consumers seeking affordable health insurance, ancillary health care plans and more.

Click here to download the full case study on Health Insurance Innovations by Kofax.

health-insurance-innovations-social-media-accounts

3 Reasons to Follow Health Insurance Innovations on Social Media

Health Insurance Innovations has been fortunate to experience a lot of growth this year – growth that informs the content we produce and share on our social media accounts.

Our approach is simple: to provide our agent network with actionable information and resources to empower relationships with clients.

Building a successful health insurance business takes time, effort, and diligence. No one else understands that more than us; we’ve grown exponentially over the last few years to become a market leading cloud-based technology platform and distributor of innovative health insurance products such as short-term health insurance, and we couldn’t have done it without our agent and broker partners!

Here are three different subjects we regularly share on social media that help our agents build their brands and provide value to clients:

1. Healthcare Information and Technology

Information has played a vital role to our success. We believe in sharing what we know with our agents to help them expand their business and provide value to their clients. Our informative content ranges from different insurance options to offer clients, such as those that include preventive care like immunizations to advancing healthcare technologies likes telemedicine.

2. Health Tips For Clients

Each month we focus on something in healthcare. We diligently research the best statistics and tools for your clients to achieve and maintain good health. Healthy clients are happy clients, and happy clients make strong businesses!

3. Health Insurance Open Enrollment Period Preparation

In October, we begin posting Open Enrollment Period-related content to empower agents with the knowledge needed to not only meet but also exceed the needs of the many new clients you’ll acquire during this timeframe. While we’re on the subject, take note: the 2019 Open Enrollment Period begins November 1, 2018, and ends December 15, 2018.

We share these resources on all the social platform listed below so go ahead and follow us, share your thoughts, and get the most you can out of your journey with HIIQ:

Facebook
Youtube
Twitter
LinkedIn
Google+
Vimeo
Instagram
Pinterest
Crunchbase

#MoveInMay: Get Your Clients Moving for National Physical Fitness and Sports Month

It’s that time of year again – it’s time to #MoveInMay!

May is National Physical Fitness and Sports Month, a month dedicated to raising awareness about the benefits of physical activity and asking communities, health professionals, and families to work together to create opportunities for everyone to get more of it.

When talking to clients this month, ask them to keep their physical fitness goals in mind as they consider which coverage options best address their lifestyle and health needs.

Consider these stats from the Centers for Disease Control and Prevention1:
  • About 1 in 5 (21%) adults meet the current physical activity guidelines.
  • Less than 3 in 10 high school students get at least 60 minutes of physical activity every day.
  • Physical activity can improve health. People who are physically active tend to live longer and have lower risk for heart disease, stroke, type 2 diabetes, depression, and some cancers.
  • Inactive adults have a higher risk for early death, heart disease, stroke, type 2 diabetes, depression, and some cancers.

Your clients’ ages will determine the CDC recommended amount and type of activity for optimum health benefits. Share the link above in the first stat with your clients so they can learn more.

While many coverage options provide a wealth of insurance benefits to help your clients maintain their health, some plans may also provide additional programs and features that pique the interest of those looking to increase their physical activity:

 Access to digital fitness tools

Consistent physical activity is a core principle of good health. With tools to help them track their fitness journey, your clients can integrate personalized health and fitness guidance, including tips on nutrition and self-assessments, into workout routines. These tools can be included in short-term medical or health benefit insurance coverage.

24/7/365 access to board-certified doctors

Increasing physical activity can have a significant impact on general health, but your clients may still suffer from common illnesses, allergies, or infections from time to time. Short-term medical and health benefit insurance coverage can include benefits that allow them to connect with doctors in mere minutes via mobile and video to address health concerns quickly and conveniently.

Patient advocacy service

As your clients continue to increase their physical activity and fitness levels and make the most of their health coverage, they may need assistance navigating the world of healthcare. As is found with many traditional health insurance plans, short-term medical and health benefit insurance coverage can also include access to a patient advocacy service that can help them schedule appointments, find quality doctors and facilities, lower out-of-pocket costs, and make informed decisions about healthcare.

Remember that short-term and health benefit insurance coverage are not intended to replace ACA or major medical plans. These types of coverages do not provide the minimum essential health benefits that are required and will not help to avoid the fee for not carrying health insurance. They have limitations, restrictions, and exclusions that your clients must understand prior to making a purchasing decision.

Are you ready to get your clients to #MoveInMay with quality coverage that addresses their concerns?

Learn more today 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

Source: “Facts About Physical Activity.” Centers for Disease Control and Prevention. https://www.cdc.gov/physicalactivity/data/facts.htm

affordable-insurance-options-for-college-graduates

Seasons Change and So Do Coverage Needs: College Students and Recent Grads Hit the Short-Term Market

Spring is upon us – though more apparent in some parts of the country than others – and that means summer is warming up right around the corner. That also means the spring semester will end soon at colleges and universities across the country, leaving many students and recent graduates with expired health coverage.

Past reports of short-term medical enrollment have ranged widely from 160,000 to 850,0001, but that number seems likely to grow this year. Not only do summer months see college students and recent graduates flocking to the short-term market1 but public awareness of the market has also increased significantly.

A recent poll shows 31%1 of consumers polled indicated they are familiar with it and an additional 10.4%1 indicated they have used such coverage. Compare that to 7% of consumers who were aware of the coverage option in 2017, and it’s clear that continued growth is forthcoming.

Are you prepared to help this specific audience find coverage that fits their needs this summer?

Here’s how short-term medical coverage may be their solution until they can choose a longer term solution:
  • Provides flexibility in cost and length of coverage
  • Offers choice of deductible and coinsurance options
  • Delivers low copay options
  • Secures ability to cancel without penalty at any time

Understanding the needs and concerns of college students and recent graduates is imperative when helping them select coverage. According to a recent poll2, 72% expressed concern over the cost of healthcare coverage, with 40% worried about the cost of monthly premiums and 20% anxious about out-of-pocket expenses.

With that in mind, these coverage highlights are crucial to the conversation:
  • Provides wellness options
  • Often offers lower rates than traditional health plans
  • Affords a low cost layer of financial protection from rising healthcare costs
  • Offers choice of deductible as low as $250

Note that with STM, clients are not buying an ACA health plan. The following need to  be kept in mind by any prospects:

  • STM coverage does not provide the minimum essential health benefits required by the Affordable Care Act (ACA) and will not help to avoid the fee for not carrying health insurance. STM plans are not guaranteed issue, do not cover pre-existing conditions, and require a series of medical questions to be answered
  • Plans vary in what is covered, check any plans carefully prior to making a purchasing decision

In addition to college students and recent graduates, other prospective clients who are facing life-altering transition periods may find short-term medical meets their needs.

These include:
  • Pre-Medicare retirement
  • Change in employment status
  • Missed Open Enrollment
  • Rolling off parental insurance
  • Filling a gap in your major medical coverage

Are you ready to address the needs of this growing market’s diverse audiences?

Learn more today 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: “Poll: Spike in Short-term Health Insurance Public Awareness. AgileHealthInsurance.com.” March 14, 2018 https://www.agilehealthinsurance.com/health-insurance-learning-center/short-term-health-insurance-public-awareness-survey

 

2: “Poll: 72% of College Students and Recent Grads Have Challenges Finding Affordable Health Insurance. ” June 20, 2017. https://www.agilehealthinsurance.com/health-insurance-learning-center/student-health-insurance-survey

 

 

health-insurance-innovations-coverages

Clean Up Your Clients’ Coverage Needs for National Kidney Month

Spring cleaning season is upon us, a fitting time to raise awareness of kidney health. March is National Kidney Month, and the National Kidney Foundation is using the month to encourage Americans to visit their healthcare professionals for a checkup. As an agent, you have the opportunity to talk to your clients about this health observance as well as the importance of having the coverage they need to meet their kidney health concerns.

Let’s take a look at why the kidneys are so imperative to our health1:

  • They filter waste out of 200 liters of blood each day
  • They regulate of the body’s salt, potassium and acid content
  • They remove drugs from the body
  • They balance the body’s fluids
  • They release hormones that regulate blood pressure
  • They produce an active form of vitamin D that promotes strong, healthy bones
  • They control the production of red blood cells

As you work with clients this month to identify their ideal coverage, take this opportunity to remind them about these startling statistics1:

  • Kidney disease is the 9th leading cause of death in the country
  • More than 30 million Americans have kidney disease, and most don’t know it
  • There are over 95,000 people waiting for kidney transplants
  • More than 590,000 people have kidney failure in the US today

So what can your clients do to protect the health of their kidneys? Consider these recommendations:

  • Eat a whole food, plant-based diet2. Your clients can learn about meals focusing on veggies, fruits, whole grains, lentils, etc and more plant-based options herehere, and here.
  • Eat meals that include plant protein, as research shows they reduce mortality in chronic kidney disease3.
  • Know what healthy kidneys do and how to recognize symptoms of chronic kidney disease4. Your clients can click here to take an online assessment to rate their risk.
  • Maintain a healthy weight, stay active, and monitor their blood sugar level5.
  • Stop smoking6. Your clients can click here for tips to help them stop.

Talk to your clients about their available coverage options today and how that coverage may help them protect their kidney health. With many options that include guaranteed acceptance, low cost preventative care and office visits, freedom to choose healthcare professionals, and low deductibles and copays, short-term medical coverage may fit their needs, especially if they are:

  • Transitioning between jobs
  • Waiting for employer insurance to begin
  • Graduating from college
  • Rolling off parents’ coverage
  • Waiting for Medicare coverage to become effective

Note: Short-term medical coverage may be an appropriate fit for your clients.  However, it’s important for you and your clients to understand that such coverage does not replace major medical insurance, and it is does not count as minimum essential coverage required by the Affordable Care Act. Limitations, restrictions, and exclusions may apply.

Learn more how short-term medical coverage can provide an avenue to healthcare by:

Click here to like us on Facebook for important industry updates, tips, and articles!

Sources:

1: “Focus on the Kidneys During National Kidney Month in March.” National Kidney Foundation. https://www.kidney.org/news/monthly/Focus_KidneyMonth

2: “Can a Whole Food, Plant-Based Diet Help to Preserve Kidney Health?” T. Colin Campbell Center for Nutrition Studies.  https://nutritionstudies.org/can-whole-food-plant-based-diet-help-preserve-kidney-health/

3: “Plant Protein Reduces Mortality in Chronic Kidney Disease Patients.” National Kidney Foundation. https://www.kidney.org/news/plant-protein-reduces-mortality-chronic-kidney-disease-patients

4: “Six-Step Guide to Protecting Kidney Health.” National Kidney Foundation. https://www.kidney.org/atoz/content/sixstepshealthprimer

5: “8 Golden Rules: What Can You Do for Your Kidneys?” World Kidney Day. http://www.worldkidneyday.org/faqs/take-care-of-your-kidneys/8-golden-rules/

6: “What Effects Does Smoking Have on the Kidneys?” LiveStrong.comhttps://www.livestrong.com/article/266870-what-effects-does-smoking-have-on-the-kidneys/

 

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 public

 

healthy-heart-tips-hiiq

Here’s How to Endorse Your Clients’ Heart Health for American Heart Month

Every year, 1 in 4 deaths are caused by heart disease. It is the leading cause of death of women and of men in the United States1.

Consider these lifestyle factors:

  • Diet is a major contributor to this deadly disease: 90% of Americans consume too much sodium, increasing their risk for high blood pressure2.
  • The standard American diet emphasizes foods such as processed meats, deep-fried indulgences, soft drinks, cookies, sweets, a tradition that is likely to work against your clients’ heart health3.
  • Most kids by the age of 10 in the United States have fatty streaks in their arteries4.

This month is American Heart Month, an ideal opportunity to talk to your clients about heart health, risk factors for heart disease, and how to work with their doctors, insurance carriers, and loved ones to prevent this deadly disease.

Encourage them to consider these statistics:

  • Following a heart attack, approximately 1 in 4 women and 1 in 5 men will die within the first year2.
  • Only 1 in 3 Hispanic women are aware that heart disease is their #1 killer5.
  • Cardiovascular diseases kill nearly 50,000 African-American women annually6.
  • Of African-American women ages 20 and older, 49% have heart diseases6.
  • African Americans experience strokes at a higher rate than other races, and other groups, including Hispanics and women, are also at higher risk6.

But there is good news: heart disease can often be prevented when your clients make healthy choices and learn to manage their health. Research shows that controlling risks such as obesity, high blood pressure, high cholesterol, and smoking can reduce risk of heart attack or stroke by more than 80%1. Plant-based diets have also been shown to stop and prevent heart disease with plant-based diets7 and to quickly lower cholesterol levels8 and blood pressure9.

When it comes to their coverage needs, you may clients who are concerned about the possibility of facing cardiovascular concerns. Encourage them to consider critical illness coverage options that can help them feel confident in their financial future in such unfortunate circumstances.

Critical illness insurance will provide a lump-sum cash benefit. These benefits can be used as your clients see fit for expenses such as:

  • Living expenses such as mortgage, rent, and car payments
  • Prescriptions
  • Copays and deductibles
  • Medical bills
  • Medical equipment and home modifications for recovery
  • Treatment-related travel expenses such as parking, pet boarding, food, fuel, and hotel stays
  • Non-covered experimental treatments

With critical illness coverage, your clients can:

  • Choose benefits amounts up to $50,000 (lifetime maximum)
  • Take advantage of little to no waiting period
  • Feel confident in knowing they will have additional financial help in the event that something happens

Note that policies may be subject to various exclusions and limitations. Ensure your clients understand these prior to making a purchasing decision.

Learn more about how critical illness 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:

 

 

Road to Expand Short-Term Medical Offerings is Wide Open in 2018

Short-term medical (STM) coverage, a type of health insurance designed to help bridge gaps in your clients’ health coverage, offers consumers flexibility in coverage length and cost. While it does not provide the minimum essential health benefits by the Affordable Care Act (ACA), it can serve as an affordable option for those facing life-altering transition periods.

2018 and STM coverage

Because STM plans don’t have to adhere to ACA regulations, consumers “would have a wider array of options with lower monthly rates1.” Current legislative reform attempts are expected to make room for more STM plans2.  While “these policies can exclude those with pre-existing conditions or base rates on consumers’ medical history” and “offer skimpier benefits1,” major insurance carriers, including UnitedHealth and Aetna, have expressed interest in expanding their portfolios with STM offerings3:

UnitedHealth president and COO Dan Schumacher: “…we are excited to see [the regulation on STM plans that limited length of coverage] extended to the full year, because the reality is it provides a bridge for people in between coverage3.”

Aetna CEO Mark Bertolini: “We are actually looking at reenergizing a program we had prior to the ACA, but in a more on a focus of short-term, one-year kind of plan, or transition plan, versus just the skinny benefit…4.”

Who benefits from STM coverage?

This level of coverage may fit the needs of your clients who are:

  • Transitioning between jobs
  • Waiting for employer insurance to begin
  • Graduating from college
  • Rolling off parents’ coverage
  • Waiting for Medicare coverage to become effective

What are some of the features that STM plans provide?

  • Your clients can choose this level of coverage at any time in the year.
  • Your clients can choose from a variety of plans, many of which include preventive care for individuals as well as for families.
  • Because benefits are more restricted or limited, your clients can take advantage of rates that are often lower than major medical coverage.
  • Your clients can often see providers of their choice. If a provider does not file a claim for your client in office, your clients can easily submit their own claims to the carrier for reimbursement.
Disclaimer: 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. They can have exclusions and limitations, which may not make them a valid option for some clients.

Learn more about incorporating short-term medical coverage into your portfolio by:

Click here to like us on Facebook for important industry updates, tips, and articles!

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 public

Sources:

1: “What happened to Trump’s big plans for insurance?” WCPO.com.  https://www.wcpo.com/news/national/what-happened-to-trump-s-big-plans-for-health-insurance-?page=2

2: “From premiums to politics: 5 predictions for the health insurance industry in 2018.” Leslie Small.  https://www.fiercehealthcare.com/payer/year-preview-predictions-politics-aca-mergers

3: “UnitedHealth’s (UNH) CEO David Wichmann on Q3 2017 Results – Earnings Call Transcript.” SeekingAlpha.com.  https://seekingalpha.com/article/4114057-unitedhealths-unh-ceo-david-wichmann-q3-2017-results-earnings-call-transcript?part=single

4: “Aetna (AET) Q3 2017 Results –  Earnings Call Transcript.” SeekingAlpha.comhttps://seekingalpha.com/article/4118741-aetna-aet-q3-2017-results-earnings-call-transcript?part=single

 

Help Your Clients Make Safe Toys and Gifts Part of Their Holidays

Help Your Clients Make Safe Toys and Gifts Part of Their Holidays

The holiday season shopping season is upon us as we prepare to celebrate, share laughs and good times with loved ones, and exchange gifts. Prevent Blindness America, a non-profit group dedicated to advocating for eye care and healthy vision, has declared December as Safe Toys and Gifts Awareness Month to help adults make the best decisions on how to keep this holiday season joyful for everyone.

Consider these statistics:
  • Hospital emergency rooms treated an estimated 265,000 toy-related injuries in 2012 throughout the United States1.
  • 72% were people less than 15 years of age1.
  • Close to 90,000 were people less than 5 years of age1.
  • Each year, thousands of children aged 14 and younger suffer from eye injuries and even blindness from toys2.

Many of your clients may be understandably excited to indulge their own children as well as children in their families, but they may not consider important safety concerns or the age range for toys they purchase.

Encourage your clients to follow the guidelines below when choosing toys and gifts2:
  • Read all warnings and instructions on the box.
  • Consider if the toy is appropriate for the child’s ability and age.
  • Avoid purchasing toys with sharp or rigid points, spikes, rods, or dangerous edges.
  • Check the lenses and frames of children’s sunglasses; many can break and cause injuries.
  • Buy toys that will withstand impact and not break into dangerous shards.
  • Look for the letters “ASTM.” This designation means the product meets the national safety standards set by ASTM International.
  • Avoid toys that shoot or include parts that fly off.
  • Inspect toys for safe, sturdy construction.
  • Fix or throw away broken toys.
  • Keep young children away from toys meant for older children.
  • Make sure children store toys properly after play to avoid risks or falls.
  • Supervise children’s craft projects (scissors and glue can be extremely dangerous to a child’s eyesight).
  • Have children wear the right eye protection for sports (face shields, helmets, eyeguards).

Your members deserve coverage options that provide convenient and affordable access to healthcare all year long, especially in case of an emergency. If a loved one becomes injured this holiday season, your clients may end up relying on their health insurance coverage.

Short-term medical coverage and limited medical coverage can provide options that include valuable features such as:
  • Open network of physicians, specialists, and hospitals
  • Access to urgent care centers
  • Flexibility in length of coverage and in cost (coverage duration varies by state, may not be renewable)
  • Variety of deductible and coinsurance options
  • Low copay options for in-network benefits
  • Paid benefits similar to traditional major medical plans
  • Next day coverage
  • Little to no waiting periods
  • Deductibles as low as $250
  • Relatively inexpensive premiums, but may result in lower and more restricted benefits
  • Guaranteed acceptance for some products, if eligibility is met and available in state
  • Unlimited low-cost doctor and specialist copays

Short-term medical coverage or limited medical coverage may be the best fit for some of your clients. However, it’s important for you and your clients to understand these products do not replace major medical insurance, and they do not count as minimum essential coverage required by the Affordable Care Act. These products are not intended to serve as sole medical coverage. Limitations, restrictions, and exclusions may apply.

Learn more about the features above as well as how they can help clients with a variety of health concerns, lifestyle needs, and budget needs by:

Click here to like us on Facebook for important industry updates, tips, and articles!

Sources:

1: “Safe Toys and Gifts Awareness Month.” Prevent Blindness America. https://www.preventblindness.org/safe-toys-and-gifts-awareness-month

2: “Safe Toy Checklist.” Prevent Blindness America. https://www.preventblindness.org/safe-toy-checklist

 

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

 

 

Encourage Your Clients Not Light Up for Great American Smokeout

Each year on the third Thursday of November, the American Cancer Society invites smokers to participate in the Great American Smokeout, an event focused on preventing disease and death caused by cigarettes and tobacco. According to the American Cancer Society1, “by quitting – even for 1 day – smokers will be taking an important step toward a healthier life and reducing their cancer risk.”

Smokers are encouraged to:

  • Give up their use of cigarettes/tobacco for the day;
  • Use the day to make a plan to quit; or  
  • Quit smoking that very day

While quitting smoking can be difficult, it has both immediate and long-term benefits to your clients’ health2:

  • After 20 minutes, heart rate and blood pressure drop
  • After 12 hours, carbon monoxide levels return to normal
  • After 1-9 months, coughing and shortness of breath decrease
  • After 1 year, the excess risk of coronary heart disease is half that of someone who still smokes
  • After 5 years, the risk of cancers of the mouth, throat, esophagus, and bladder is cut in half
  • After 10 years, the risk of dying from lung cancer is about half that of those who don’t smoke
  • After 15 years, the risk of coronary heart disease is that of those who don’t smoke

With the consistent rises in costs for medical care and insurance, your clients are likely worried about potential financial battles related to their health concerns. Quitting smoking is a lifestyle change they can make to prevent and/or lower their risk of the conditions noted above as well as to lower their risk of diabetes, to allow their blood vessels to work more effectively, and to extend their life expectancy2. Despite the number of those who smoke dropping in the last few years, approximately 36.5 million Americans still smoke and others methods of smoking tobacco are trending.

When working with clients who need to factor smoking into their long-term health and healthcare coverage needs, encourage them to visit resources from the American Cancer Society. Quitting isn’t easy, but if your clients know how to do it and know where to go for help, they have a better chance of making a lifestyle change that sticks. Smoking is lifestyle choice that is among the largest preventable causes of disease and premature death1, and your clients deserve the support of loved ones, their medical community, and those in the healthcare coverage field when they are ready to make a different choice.

Click here to like us on Facebook for important industry updates, tips, and articles!

Sources

1: “The Great American Smokeout.” American Cancer Society. https://www.cancer.org/healthy/stay-away-from-tobacco/great-american-smokeout.html 

2: “Great American Smokeout: Free help for those who want to quit smoking.” Dr. Janna Kroiss. http://www.htrnews.com/story/life/2017/11/06/great-american-smokeout-free-help-available-those-who-want-quit-smoking-cigarettes-ask-doctor/836503001/

This blog is for informational purposes only and is not intended to make any product recommendations. Encourage your clients to review any product details, such as costs, limitations, exclusions, restrictions, and benefits prior to any purchasing decisions.

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

health insurance open enrollment

It’s Beginning to Look A Lot Like Open Enrollment

The holiday season and Open Enrollment have arrived (whether we’re ready for it or not), and so have opportunities for your clients to spend time with their loved ones. Food, laughs, and gifts are likely on their agenda, but something else – something more important – may be as well: health.

Whether your clients are catching up with Uncle Mark who complains about aches and pains he didn’t have 5 years ago or they’re hanging out with Michelle from college who has a pre-existing condition and can’t afford major medical coverage, the topics of health and healthcare are likely to pop up. Have you helped your clients understand available coverage options? Let’s take a look at some of the features your clients could take advantage of:

Limited Medical Coverage

  • Helpful for those anticipating rising medical expenses, unable to afford major medical, not eligible for short-term medical, and/or looking for supplemental coverage to their major medical plans
  • Guaranteed issue coverage if eligibility is met and available in state
  • Premiums often lower than major medical, but also lower and more restricted benefits
  • Benefits such as $50-$100 paid toward doctor and specialist visits available
  • Not required to use a network of doctors – freedom to choose any doctor or facility (*Note: clients can still exceed eligible benefits)
  • Preventive care available for as low as $50
  • Next day coverage available or little to no waiting periods for accidental injuries or sickness
  • 12 month waiting period for pre-existing conditions
  • Does not count as minimum essential coverage required by the Affordable Care Act and is not suitable to serve as sole medical coverage

Short-Term Medical Coverage

  • Helpful for those facing life-altering transition periods such as pre-Medicare retirement, change in employment status, rolling off parental or student insurance, bridging a gap in major medical coverage or those who missed Open Enrollment (*Note: these policies are designed solely to provide healthcare coverage during unexpected coverage gaps)
  • Flexibility in coverage length and cost; coverage duration varies by state and is non-renewable
  • Variety of deductible and coinsurance options
  • Low copay options for in-network benefits
  • Limited preventive care available
  • Ability to cancel at any time without penalty
  • Benefits may be limited and subject to exclusions and restrictions
  • Does not cover pre-existing conditions
  • Coverage is not guaranteed
  • Not intended to be a replacement or alternative to ACA or other major medical plans and does not provide the minimum essential health benefits that are required; may result in a tax penalty

ACA Coverage

  • Helpful for those seeking major medical but who may not be able to afford it, those with pre-existing conditions, and those who need a broad array of health benefits
  • Option to change plan every year and to stay on policy as long as needed
  • Renews annually
  • Provides coverage for pre-existing conditions; applicants can’t be rejected based on health
  • Provides preventive care for individuals and families
  • Those enrolled may qualify for subsidies to lower costs
  • Provides minimum essential health benefits
  • Those who want to enroll must do so during the Open Enrollment period, the Special Enrollment period, or when a qualifying life event occurs

Critical Illness Coverage 

  • Helpful for those seeking an added layer of financial protection in the face of critical health concerns
  • Pays benefits directly to those enrolled or their designees
  • Benefits can be used to pay living expenses such as mortgage, rent, and car payments as well as prescriptions, copays, medical bills, and a myriad of other costs
  • Those enrolled can choose benefits up to $50,000
  • Limitations and exclusions may apply
  • Little to no waiting period

 

Help ease the minds of your clients this holiday season by educating them about available coverage options. While they add extra layers of clothes to stay warm, you can add extra layers of health and financial coverage to help protect them from potentially costly health concerns.

Learn more today by:

Click here to like us on Facebook for important industry updates, tips, and articles!

This blog is for informational purposes only and is not intended to make any product recommendations. Encourage your clients to review any product details, such as costs, limitations, exclusions, restrictions, and benefits prior to any purchasing decisions.

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