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

 

Tips to Help You Talk to Your Clients About Cervical Health Awareness

Tips to Help You Talk to Your Clients About Cervical Health Awareness

The new year is here, and so is a clean slate for many of your clients as they set new goals for their health and wellness. You’re in the position to guide those clients to coverage options with features and benefits that fit their lifestyle and health needs.

You also have the opportunity to raise awareness among your clients about important health observances such as Cervical Health Awareness Month during January. It’s the ideal time to make sure your clients’ coverage addresses any concerns they or their dependents may have about cervical health and to direct them and/or their loved ones to resources related to cervical health.

The Centers for Disease Control (CDC), the National Cervical Cancer Coalition (NCCC), and the American Cancer Society (ACS) have many resources detailing how pervasive HPV and cervical cancer are.

Consider these stats:  

  • At any time, there are approximately 79 million people in the United States with HPV1.
  • There are 14 million new HPV infections in the United States each year1.
  • HPV is so common that most people get it at some time in their lives and usually causes no symptoms2.
  • If HPV does not go away on its own, there is a chance that over time it may cause cervical cancer2.
  • While the cervical cancer death rate has gone down by more than 50% thanks to the increased use of the Pap test, nearly 13,000 new cases of invasive cervical cancer are estimated to have been diagnosed in 20173.

Benefits offered by short-term medical and limited medical coverage that may be helpful to your clients worried about their cervical health include:

  • Open network of physicians, specialists, and hospitals
  • Variety of deductible and coinsurance options
  • Low copay options for in-network benefits
  • Paid benefits similar to traditional major medical plans
  • Next day coverage
  • 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

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.

As an agent, your clients rely on your expertise to make sure they have access to affordable, quality coverage with benefits that help them face specific concerns. Take your expertise one step further by promoting awareness resources about specific health concerns such as cervical health throughout the year.

Learn more about expanding your portfolio with short-term medical and limited medical plans by:

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

Sources:

1: “Ten Things to Know About HPV and Cervical Cancer.” National Cervical Cancer Coalition. http://www.nccc-online.org/images/pdfs/10ThingsHPV_CCAM.pdf

2: “What Are the Risk Factors for Cervical Cancer?” Centers for Disease Control. https://www.cdc.gov/cancer/cervical/basic_info/risk_factors.htm

3: “What Are the Key Statistics About Cervical Cancer?” American Cancer Society. https://www.cancer.org/cancer/cervical-cancer/about/key-statistics.html

 

This blog is for agent use only – not for public distribution.

Health Coverage in 2018: Change Is Constant

Change is the only constant in healthcare coverage. Adjustments to cost, convenience, quality, access, and legislation unfailingly impact consumers and the decisions they make for their own healthcare as well as healthcare for their loved ones. But there’s one important factor that will remain unchanged: your clients’ need to have access to affordable, convenient, and quality coverage despite which legislative reforms are in place.

As a third-party billing administrator and a technology resource, Health Insurance Innovations is on a mission to provide access to coverage that fits your clients’ needs, including short-term medical policies. We partner with top rated carriers that offer value-rich health coverage solutions as we modernize the insurance landscape. Our simplified application process and cloud-based digital platform enables licensed agents to enroll consumers in coverage through our carrier partners that tackles evolving healthcare and budget realities.

That coverage includes:

  • Short-term medical
  • Health benefit insurance
  • Accident, cancer and critical illness
  • Prescription
  • Dental
  • Vision
  • Life
  • AD&D
  • Health and wellness programs
  • Lifestyle discounts

Short-term medical coverage and health benefit insurance plans are two options that are quite popular with clients as well as agents and often fit a variety of needs.

Expand your portfolio today by offering these coverage solutions than can provide features such as:

  • Open network of physicians, specialists, and hospitals (*Note: clients can still exceed eligible benefits) 
  • 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

Please note that 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.

In our role, we serve members by providing:

  • Access to personalized insurance information through our secure platform
  • Printed and digital insurance cards on behalf of their carriers
  • Billing support and assistance
  • Digital updates on behalf of their insurance carriers on how to take full advantage of their coverage

Learn more about how you can meet your clients’ health, budget, and lifestyle needs by with a variety of coverage options 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 general public

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

 

 

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

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.

Offer Preventative Coverage and Secure Your Clients’ Access to Immunizations

August is National Immunization Awareness Month (NIAM), an annual initiative sponsored by the National Public Health Information Council (NPHIC) to encourage people of all ages to make sure they are up to date on vaccinations recommended for them. During NIAM, the NPHIC emphasizes the need to protect health with vaccines for different groups:

  • Babies and young children: July 31-August 6
  • Pregnant women: August 7-13
  • Adults: August 14-20
  • Preteen/teen: August 21-27

When consulting with your clients on coverage options, it’s important to discuss coverage that includes preventative and wellness benefits that include vaccinations.

Did you know that…

  • … “when children are not vaccinated, they are at increased risk for disease and can spread disease to others, including babies who are too young to be fully vaccinated and people with weakened immune systems”1?
  • … “getting vaccinated during pregnancy also allows the mother to pass some protection on to her baby”2?
  • … it’s important for adults to get the recommended vaccinations based on age, occupation, travel, and health conditions among other factors3?

 

Your state or local health department will have additional resources for vaccination information.

What are you offering your clients to help them secure access to quality preventative and wellness care such as vaccinations?

For clients that have a temporary gap in their insurance coverage, short-term medical health insurance may be one option that provides your clients that access, as well as access to:

  • Routine doctor visits
  • Choice of providers and facilities
  • Emergency care
  • Inpatient and outpatient surgery and hospital care
  • Coverage that is widely accepted by providers and facilities across the nation
  • Low rates for in-network healthcare
  • Little to no waiting period for accidents and emergency care
  • Relatively inexpensive copays

It’s important to keep in mind that neither short-term nor limited-benefits medical coverage are intended to be a replacement or alternative to ACA or other major medical plans. These types of coverage do not provide the minimum essential health benefits that are required and will not help to avoid the fee for not carrying health insurance.

Other packaged perks with short-term medical coverage can include:

  • 24/7/365 mobile and video access to board-certified doctors who can treat many common illnesses
  • Patient advocacy service that can help navigate the world of healthcare and negotiate medical bills
  • Prescription savings membership that can lower out-of-pocket costs by up to 75% on medicines for your clients, their family members, and even their pets
  • Access to digital fitness tools to help track their wellness journey

 

Celebrate National Immunization Awareness Month by expanding your clients’ access to preventative and wellness care today!

Learn more by:

Calling 1.877.376.5831 and selecting option 3

Emailing salessupport@hiiquote.com

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 general public

Sources:

1: “Communication Toolkit: School-Age Children.” https://www.nphic.org/niam/item/10467

2: “Communication Toolkit: Pregnant Women.” https://www.nphic.org/niam/item/10463

3: “Communication Toolkit: Adults.” https://www.nphic.org/niam/item/10468

College Students and Recent Grads Look to Short-Term Medical Coverage Options

College Students and Recent Grads Look to Short-Term Medical Coverage Options

It’s summertime, and the living is easy, right? Your prospective clients this summer may include two specific audiences looking for temporary health coverage to help them ensure that living stays easy: college students and recent graduates.

According to a recent poll from AgileHealthInsurance.com, 72% of college students and recent graduates polled noted that finding affordable coverage has been challenging. These clients may be coming off their student coverage through their colleges or their parents’ health plan or they may be waiting for coverage sponsored by their new employer to begin.

Short-term medical plans may provide these clients with features they need such as:

  • Flexibility in length of coverage and in cost
  • Variety of deductible and coinsurance options
  • Low copay options
  • Ability to cancel without penalty
  • Paid benefits similar to traditional major medical plans
  • Wellness options
  • Next day coverage
  • Little to no waiting periods
  • Deductibles as low as $250
  • Relatively inexpensive premiums
  • Guaranteed acceptance
  • Unlimited low-cost doctor and specialist copays
  • Open network of physicians, specialists, and hospital

Short-term medical coverage is available at any time in the year; there is no special enrollment period. Many plans include preventive care as well as lower rates than major medical coverage. Your clients may be transitioning off their parents’ insurance and wondering if they can visit their same providers under their new coverage. They’re in luck: they often can, as short-term medical coverage provides them with the opportunity to see providers of their choice. If their chosen provider does not file a claim for your client in office, your clients can simply submit their own claims for reimbursement.

Note: 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.

Why will your clients purchase short-term medical coverage?

  • Prompt approval: Secure coverage and proof of insurance quickly
  • Affordability: Cost-effective rates
  • Security: Peace of mind as they bridge their health coverage gap in their time of transition
  • Flexibility: Options that can help address their health realities

It is important to keep in mind, that while short-term and limited medical coverage do provide these benefits, neither one is intended to be a replacement nor an alternative to ACA or other major medical plans. These types of coverage do not provide the minimum essential health benefits that are required and will not help to avoid the fee for not carrying health insurance.

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
Secure Coverage for Your Clients Before They Face Safety Concerns

Secure Coverage for Your Clients Before They Face Safety Concerns

As an agent, you strive to help your clients feel protected. The recommendations that you make for insurance products helps to address present and future medical, dental, critical illness and other concerns while meeting budget and lifestyle needs. Your recommendations help to put them at ease as well as help them prioritize their health and safety, an ideal matter to consider during National Safety Month in June.

National Safety Month focuses on reducing leading causes of injury and death at work, on the road, and in our homes and communities.1 With the hashtag #KeepEachOtherSafe, the National Safety Council works throughout the month of June to promote the importance of identifying risks and keeping each other safe.

Some of the organization’s most salient statistics and tips are below:
  1. Falls are the most common cause of traumatic brain injuries, including concussions.2
  2. About 235,000 people over age 15 visit the emergency room each year due to a bathroom related-injury. 2
  3. 1 in 3 adults don’t get enough sleep and an estimated 37% of the U.S. workforce is sleep deprived.3
  4. Sleep deprivation has been shown to raise the risks of depression, obesity, and heart disease, and has an adverse effect on reproductive health. 3
  5. About 80% of the U.S. population will experience a back problem at some point in their lives, and 31 millions will experience low-back pain at any given time.4
  6. Making ergonomics part of your routine at work and at home can keep your body free of strain and pain. 4

As you meet with your clients on this month, consider the variety of insurance benefits as well as non-insurance features that can help them manage their safety and health with short-term medical or limited medical policies.

Preventive care: With short-term medical or limited medical policies, your clients who are looking for a temporary solution while in between coverage can have access to their choice of qualified physicians for general health screenings. This level of care can guide your clients to make changes that lead to healthier and safer lives.

Doctor visits: Also with short-term medical coverage, your clients can secure access to physicians for routine care and care to treat injuries. With limited medical coverage, they can take advantage of cash benefits that subsidize the costs of such visits.

Access to board-certified doctors 24/7/365: Your clients may find themselves in need of convenient digital access to a physician as they deal with pain, strain, or illness. Short-term medical and limited medical coverage can include benefits that allow doctors to consult with them via mobile and video and address such concerns.

Patient advocacy service: When your clients are facing health concerns, the last thing they want to worry about is navigating the world of healthcare. Short-term medical and limited medical coverage can include access to a patient advocacy service that can help your clients schedule appointments, find quality doctors and facilities, and lower out-of-pocket costs.

 

It is important to keep in mind, that while short-term and limited medical coverage do provide these benefits, neither one is intended to be a replacement nor an alternative to ACA or other major medical plans. These types of coverage do not provide the minimum essential health benefits that are required and will not help to avoid the fee for not carrying health insurance.

Celebrate National Safety Month by talking to your clients about coverage that can help them stay safe and healthy and includes these benefits!

Learn more 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 general public

1 Source: National Safety Council. “June is National Safety Month” (http://www.nsc.org/act/events/Pages/national-safety-month.aspx)
2 Source: National Safety Council. “Safety Check: Stand Up to Falls” (http://www.nsc.org/NSCDocuments_Advocacy/NSM-2017-Public/Tip-Falls.pdf)
3 Source: National Safety Council. “Safety Check: Recharge to be in Charge” (http://www.nsc.org/NSCDocuments_Advocacy/NSM-2017-Public/tip-fatigue.pdf)
4 Source: National Safety Council. “Safety Check: Work Ergonomically” (http://www.nsc.org/NSCDocuments_Advocacy/NSM-2017-Public/tip-ergo.pdf)