A change in health insurance can send worry-woes sky-high as patients grapple with the possibility of losing their connection with a longtime physician, a favored pharmacy, a preferred hospital system or even a gym membership.
As coverage options and pricing become ever more cryptic, weeding through them without professional assistance can be overwhelming or even life-altering.
Brett Bender, an Omaha-based licensed insurance agent with HealthMarkets brokerage, provides convenience, choice and counsel to clients as they navigate their health, Medicare and life insurance choices. All it takes is one phone call.
“The decision on what plan to select is often mired in anxiety, confusion and sometimes just a general lack of, or access to, the available and necessary information,” Brett said. “A licensed insurance agent can cut through the issues and provide you with coverage options that fit your individual needs and budget in a stress-free and timely manner. Plus, we work with more than 200 insurance companies nationwide, so there are plenty of options out there.”
Consultations are free as his services are paid by the insurance companies.
The process is simple. Clients complete a brief questionnaire that helps rank insurance options tailored to their specific needs. HealthMarkets technology is then used to rank available plans alongside a client’s current plan to help find an ideal match in programs that are budget-friendly. Brett said the best part about the process is that plans selected through HealthMarkets will not cost a client any more than buying directly from the insurance carrier.
Brett said he can help clients wade through myriad questions and concerns, too. These can include anything from delving into preventive health care services for any one program or even learning what to do when notified their current health plan isn’t being renewed. Additional guidance is available on term life insurance, dental plan coverage and wellness programs, to name a few.
For individuals approaching the retirement years, and with Medicare programs sounding more like alphabet soup these days, Brett can break down the differences and compare costs from year to year on the coverage options for Parts A, B, C and D, as well as identifying the right Medicare supplement plan for those in a transitionary stage.
HealthMarkets can also help individuals navigate the four metal levels — bronze, silver, gold and platinum — of the Affordable Care Act plans. For small business owners, Brett can help them understand the ACA employer mandates and recommend the right mix of benefits that not only attract and retain talented employees, but simultaneously meet their needs.
For freelancers and solopreneurs who don’t fall under employer-sponsored programs, health insurance may seem like a daunting expense. But with the help of a HealthMarkets, these independent workers can learn how to save money through tax deductions and other cost-cutting program options. For anyone looking for ACA assistance, Brett said the annual enrollment deadline (Dec. 7) is fast approaching and they should call him by the end of November.
For more information on HealthMarkets, or to schedule a free appointment with Brett, please call 402.802.1998.
