Grrr, after Googling Ind. ins plans, I did fill out that form on one site. My phone rang just a few seconds later. The guy was nice enough, not overly aggressive. Said he'd reseaerch some plans for me and email me options. I said, that's fine, pls don't call just emails. Let's see how many more calls I will be getting. I'll ignore most now.
My job just changed our healthcare to Wellnet a self funding insurance plan. I am freaking out ! Calling every where to see if I can get a better plan.
I have A question. I saw video but figured i would still ask....my husband is between jobs and i purchased aspen short term insurance but I've called 5 docs and they dont know it...it doesn't cover prescriptions, dental only discounted... I felt she was pushy and wanted me to sign without reading...i found out it is not bbb accredited...paid 310...2500 thousand hospital deductible...25 for specialist...50 for wellness...the more i write the more stupid i feel...but it is a short term and she said i can cancel within 30 days...so i have to go get an endoscopy and now i am so upset i got scammed...sorry English not my first language and I really want to know if i should take it or get money back...i asked her ( insurance agent) if i went to hospital would i have to pay hospital deductible and she said i could make payments after...thank you for this video...i have to go to hospital and i refuse to go without insurance because they treat you so bad....can you recommend an insurance i can get pretty fast...?? My husband works full time at a very small company and he doesnt provide benefits here in Florida he just gives my husband 200 extra on check a month..is that even legal?? Thank you for your time
Thanks for watching and I'm sorry you have to deal with all that confusion. The short answer, I would look into a short-term plan with a large national company like United healthcare, Aetna or Blue Cross and Blue Shield. Of course, there could be a regional company in the Florida area that also offers a solid short-term policy. Also, if you're husband's company has less than 50 employees there are no requirements for offering health insurance, but they can provide a bonus or stipend to help cover the cost.
I have been in the insurance industry for 21 years, Indemnity plans are not a scam or bad option, agents just need to present and explain the information correctly. Indemnity plans are supplemental plans. | I do agree about not being pressured to buy within one phone call, and also agree about the Ministry plans, I would not recommend those options. BTW: there are many good ethical agents out there that won't pressure you, and will give you all that you need so you can make the right choices. :) Use discernment not only with insurance, but any other services needed. Best wishes.
Thanks for feedback I really appreciate it. The indemnity plan itself is certainly not the scam, it's the way it is presented in most of these "I filled out a form online" situations. However, I will say in my 10 plus years I have rarely found an indemnity plan that paid enough to justify the premium.
Wish you could make a new video for 2024. Ty for this information from 7 years ago. 1. How much is the deductible? 2. When do you stop paying and your out of pocket maximum? 3. When can you buy the plan. (Only during open enrollment unless a qualifying event; Job loss, marriage, divorce, death in family, birth in family ect.)
Hey bro, I am sick of paying penalty for not having health insurance. I have decided to get good health insurance for my family and my self. Can you please help me choosing the right insurance which provides good coverage and doesn’t drain my pockets? How can I contact you? Please help. Thank you
Without knowing more details Adam that's impossible to answer. The most important coverage any policy offers is its out-of-pocket maximum. That makes sure you never pay more than that dollar amount regardless of how much medical treatment you might need. If a policy doesn't have one, then you're in trouble.
Great video, funny too! I just texted an agent and used the the word "dangerous" in regards to Thinking that you are insured. Anyway if you are still answering questions, "is this ARPA (3/11/21 bill) (*stimulus) subsidized health insurance letter the public is receiving for the unemployed legit? And if so, which plans would you suggest for a single person? ? I have had ACA ins. before BCBS silver 1443 and it was good but even with a $925. Subsidy It is still $158. monthly. I keep seeing these "Oscar " health plan offers for free, lol. It just seems fishy, you know what I mean?? So is it a junk policy?
I'm on the Covered CA site trying looking at plans - is $0 deductible still a no no? Given that your video is from 2916 I don't know if something changed.
That really depends on the state(s) you are selling in. I would make sure you know the strengths and weakness of the networks each company has. I'd also want to know their history of dealing with claims and their overall service level to agents and customers.
I missed my enrollment earlier this year and am looking to buy something temporary from today till next enrollment period starts , any suggestion . Looking for basic coverage to take care of uncertainties .
Exactly as you said, but I didn’t even get the info after we got off the phone that they promised they would send to me. After calling back I couldn’t get anyone to help me because they say it’s the weekend
Hahaha. Your eloquence makes this delivery bueno.... Even tho alot of what you're saying especially about zero deductible policies have changed. See marketplace ACA policies. Good shit though 👏🏿
Hey Joey, I just started selling health insurance and I'd love to chat with you some day to make sure I'm serving my customers correctly. Are you open to that?
I moved and not found a job. I think I need to get health insurance until I get a job but I can't afford to pay monthly. Is there a company that lets you pay yearly?
Hey Ande, I'm a little confused by the question, if you can't afford monthly paying on a yearly basis is even more expensive. That being said, most short term policies allow you to pay annually.
This video is misleading and not accurate. 1. Indemnity plans serve a purpose and can pay 4k per day spent in the hospital + additional $ for surgery #unitedhealcare not a fly by night company. 2. Short term will not cover you on the 2nd term if u develop a new condition 3. You can buy health insurance outside of open enrollment however it can cost you #BCBS 4. Health Sharing companies have been around for more than 30 years and are a lot more structured the "just playing insurance" they are also nonprofits so they are under regulation..
So, if my COBRA expires in August 2020, at age 62, you are telling me that I cannot buy health insurance outside of the seasonal open enrollment? Maybe I missed something.
You are misrepresenting all plans that don’t meet ACA Qualifications, they don’t have to meet them; that in it self is a benefit to most people; not having to pay for benefits you don’t need/want or will biologically never use.
Hello I have quite a few things going wrong with me they're not wrong yet but I was trying to get fixed up before the problem really became a problem My employer decided to drop their insurance partway through the year and said oh hey we'll provide 20% of whatever insurance you get little that I know the problem with that oh wait a minute I did but they cut the insurance anyways I knew it was a bad thing when that happened then yes I looked up a couple things and my phone start driving me crazy My email too
Why not ask your parents if they can add you to their health insurance plan. Children can stay on their parents health insurance until they're 26, everyone 25 and under should be taking advantage of this option, you don't have to be a tax dependent or even live with them. You wrote this comment 9 months ago, which would mean you have a little over four years to take advantage of this opportunity. If your parents are already covering other dependents, it shouldn't cost them any more money to add you and even if your parents don't have any other kids on their plan, it shouldn't cost much to add a child to their policy, even if you paid your parents the difference, it would still be cheaper than buying your own plan.
Gabe, your out-of-pocket max is normally the total amount of money you would need to pay for covered medical services in a calander year. Not having all the detials of your plan though, I couldn't say for sure. Hope that helps.
In the state of Ohio a person buying individual or family coverage does not have the option to buy one with any of the "legitimate" health insurance companies.
All insurance is a scam! The only way to make it pay is to suffer of a tragedy. Reduce your risk, take care of yourself and if you really do have a big problem, negotiate the price and if you have assets, get a trust attorney and protect them. Us consumers might fight back with our wallets.
I'm sorry you feel that way, James. Insurance was originally intended to transfer the risk of a catastrophic event from one person to many. Insurance was never intended to cover the small things. It's also why you don't have an "oil change" copay on your auto insurance. It's not cost effective. You might want to take a closer look at the (scam) pricing happening from the medical community that is a primary contributor to the problem. You can't lower the cost of health insurance without lowering the cost of what it insures.
Absolutely! So the only way to lower the cost of our scamming, greed loaded health care system is first to be preventive and not use it and second, drop insurance because obviously insuring something increase the price of it. When I go to a doctor and tell him or her I have no insurance my MRI costs $150 yet if I have insurance they charge $2,400 so obviously insurance is causing corruption. Health care should be priced on supply and demand like any other commodity without the third party. I have spent less on my medical care in 60 years combined than ONE MONTH'S insurance premium would cost me. Also when you buy insurance you are paying for smokers, abusive drinkers, junk food junkies, the obese and other high risks I do not engage in. I don't want to pay for irrepsonsibility.
Agreed. But the only way to truly lower the cost of care is to eliminate insurance because then the medical industry would not be guaranteed all this excessive cash. No other part of our economy is so insulated, why should this sector be? Health care should be market based, not insurance based. Get rid of third party payers! I don't have grocery insurance when I shop at the grocery store and if I did just imagine the $25 loaves of bread and $5.00 bananas!
What do you think of the EmblemHealth's Essential Plans?
What plans do you sell ?
Thank you for the information ! I experienced all these things
Glad it was helpful Chris.
Found out my health insurance is "limited." What is a returned-to-college guy to do with low funds and health problems?
You are doing such a wonderful thing! I have worked in healthcare for years & understand very little of health insurance.
Thanks Lee, appreciate the kind words.
You might as well by Hospital Insurance and GAP Medical Insurance.
UPDATE: OPEN ENROLLMENT FOR 2018 ACA/OBAMACARE RUNS FROM 11/01/2018 TO 12/15/2018 THATS RIGHT 6 WEEKS!
THANK YOU SO MUCH! I was wary and figured it out but you nailed it for me!
Thanks, Gary I really appreciate it.
Grrr, after Googling Ind. ins plans, I did fill out that form on one site. My phone rang just a few seconds later. The guy was nice enough, not overly aggressive. Said he'd reseaerch some plans for me and email me options. I said, that's fine, pls don't call just emails. Let's see how many more calls I will be getting. I'll ignore most now.
lmao so true, my phone is being blasted. Thank you for keeping it real!
Best information about health insurance ive found on youtube
Thanks, Ron I really appreciate it.
My job just changed our healthcare to Wellnet a self funding insurance plan. I am freaking out ! Calling every where to see if I can get a better plan.
Was talked into buying multi plan PPO 2 days ago!!!!
What should I do ? Cancel ASAP? What u recommend ? Losing my work insurance sept 30, 2020
Where do you find good credible insurance? I think I may have a scam policy. I’m in Georgia
Isn’t having an indemnity policy better than noting ? If you can’t afford or maybe are outside of open enrollment ?
what you think about a Multi plan insurance is it a scam
I have A question. I saw video but figured i would still ask....my husband is between jobs and i purchased aspen short term insurance but I've called 5 docs and they dont know it...it doesn't cover prescriptions, dental only discounted... I felt she was pushy and wanted me to sign without reading...i found out it is not bbb accredited...paid 310...2500 thousand hospital deductible...25 for specialist...50 for wellness...the more i write the more stupid i feel...but it is a short term and she said i can cancel within 30 days...so i have to go get an endoscopy and now i am so upset i got scammed...sorry English not my first language and I really want to know if i should take it or get money back...i asked her ( insurance agent) if i went to hospital would i have to pay hospital deductible and she said i could make payments after...thank you for this video...i have to go to hospital and i refuse to go without insurance because they treat you so bad....can you recommend an insurance i can get pretty fast...?? My husband works full time at a very small company and he doesnt provide benefits here in Florida he just gives my husband 200 extra on check a month..is that even legal?? Thank you for your time
Thanks for watching and I'm sorry you have to deal with all that confusion. The short answer, I would look into a short-term plan with a large national company like United healthcare, Aetna or Blue Cross and Blue Shield. Of course, there could be a regional company in the Florida area that also offers a solid short-term policy. Also, if you're husband's company has less than 50 employees there are no requirements for offering health insurance, but they can provide a bonus or stipend to help cover the cost.
@@JoeyGiangola thank you Joey for your response ...i know it was a long question so I appreciate your help...Thanks again!💓
Where do i shop for health insurance?....Everytime i click on something it takes me to dozens of other websites and people start calling.
I have been in the insurance industry for 21 years, Indemnity plans are not a scam or bad option, agents just need to present and explain the information correctly. Indemnity plans are supplemental plans. | I do agree about not being pressured to buy within one phone call, and also agree about the Ministry plans, I would not recommend those options. BTW: there are many good ethical agents out there that won't pressure you, and will give you all that you need so you can make the right choices. :) Use discernment not only with insurance, but any other services needed. Best wishes.
Thanks for feedback I really appreciate it. The indemnity plan itself is certainly not the scam, it's the way it is presented in most of these "I filled out a form online" situations. However, I will say in my 10 plus years I have rarely found an indemnity plan that paid enough to justify the premium.
@@JoeyGiangola Thanks for your reply. 😊 I am in Fl., good to hear different ideas, perspectives. Have a great day! Maria
Wish you could make a new video for 2024. Ty for this information from 7 years ago.
1. How much is the deductible?
2. When do you stop paying and your out of pocket maximum?
3. When can you buy the plan. (Only during open enrollment unless a qualifying event; Job loss, marriage, divorce, death in family, birth in family ect.)
Should i accept educator insurance or is something, better
Hey bro, I am sick of paying penalty for not having health insurance. I have decided to get good health insurance for my family and my self. Can you please help me choosing the right insurance which provides good coverage and doesn’t drain my pockets? How can I contact you? Please help. Thank you
Thank you. Very helpful.
What percentage of your gross income is affordable max out of pocket
This is nuts! What happened to America? smh
It's defiently a little crazy.
But what if the coverage they are offering turns out to be better than the most affordable Obamacare plan? Does that make sense?
Without knowing more details Adam that's impossible to answer. The most important coverage any policy offers is its out-of-pocket maximum. That makes sure you never pay more than that dollar amount regardless of how much medical treatment you might need. If a policy doesn't have one, then you're in trouble.
Great video, funny too! I just texted an agent and used the the word "dangerous" in regards to Thinking that you are insured. Anyway if you are still answering questions, "is this ARPA (3/11/21 bill) (*stimulus) subsidized health insurance letter the public is receiving for the unemployed legit? And if so, which plans would you suggest for a single person? ? I have had ACA ins. before BCBS silver 1443 and it was good but even with a $925. Subsidy It is still $158. monthly. I keep seeing these "Oscar " health plan offers for free, lol. It just seems fishy, you know what I mean?? So is it a junk policy?
I'm on the Covered CA site trying looking at plans - is $0 deductible still a no no? Given that your video is from 2916 I don't know if something changed.
Let me know what you figure out. I am in San Diego and trying to get health insurance thru covered California , nightmare so far
So which plans/ carriers do you recommend agents to sell ?
That really depends on the state(s) you are selling in. I would make sure you know the strengths and weakness of the networks each company has. I'd also want to know their history of dealing with claims and their overall service level to agents and customers.
I missed my enrollment earlier this year and am looking to buy something temporary from today till next enrollment period starts , any suggestion . Looking for basic coverage to take care of uncertainties .
A short-term policy would a decent option untill open enrollment comes around again.
@@JoeyGiangola thank you !
Exactly as you said, but I didn’t even get the info after we got off the phone that they promised they would send to me.
After calling back I couldn’t get anyone to help me because they say it’s the weekend
Worst part is it cost the same as the most expensive in New Mexico
Sorry to hear that Robert, it would be nice if these "agents" would be more transparent explaining the true financial impact of what they are selling.
YOU sir...are a wealth of good information.
Nope, he is misguiding EVERYONE
Again Gary really appreciate your help bringing clarity to the topic.
Hahaha. Your eloquence makes this delivery bueno....
Even tho alot of what you're saying especially about zero deductible policies have changed. See marketplace ACA policies.
Good shit though 👏🏿
So what do you recommend if we are outside the enrollment period for Obamacare??
A short-term policy might be a good option to look into.
Youre right on...
Hey Joey, I just started selling health insurance and I'd love to chat with you some day to make sure I'm serving my customers correctly. Are you open to that?
I moved and not found a job. I think I need to get health insurance until I get a job but I can't afford to pay monthly. Is there a company that lets you pay yearly?
Hey Ande, I'm a little confused by the question, if you can't afford monthly paying on a yearly basis is even more expensive. That being said, most short term policies allow you to pay annually.
This video is misleading and not accurate. 1. Indemnity plans serve a purpose and can pay 4k per day spent in the hospital + additional $ for surgery #unitedhealcare not a fly by night company. 2. Short term will not cover you on the 2nd term if u develop a new condition 3. You can buy health insurance outside of open enrollment however it can cost you #BCBS 4. Health Sharing companies have been around for more than 30 years and are a lot more structured the "just playing insurance" they are also nonprofits so they are under regulation..
So, if my COBRA expires in August 2020, at age 62, you are telling me that I cannot buy health insurance outside of the seasonal open enrollment? Maybe I missed something.
When your COBRA ends that will be considered a special or qualify event that will allow you to to buy a policy outside of open enrollment.
@@JoeyGiangola I was hoping that might be the case. Thank you!
You are misrepresenting all plans that don’t meet ACA Qualifications, they don’t have to meet them; that in it self is a benefit to most people; not having to pay for benefits you don’t need/want or will biologically never use.
Thank you for your guidance!
Nice strat
Very good information thanks ily
Hello I have quite a few things going wrong with me they're not wrong yet but I was trying to get fixed up before the problem really became a problem My employer decided to drop their insurance partway through the year and said oh hey we'll provide 20% of whatever insurance you get little that I know the problem with that oh wait a minute I did but they cut the insurance anyways I knew it was a bad thing when that happened then yes I looked up a couple things and my phone start driving me crazy My email too
ok so I'm 21 which health insurance do I get what brand or wtf do i do
Why not ask your parents if they can add you to their health insurance plan. Children can stay on their parents health insurance until they're 26, everyone 25 and under should be taking advantage of this option, you don't have to be a tax dependent or even live with them. You wrote this comment 9 months ago, which would mean you have a little over four years to take advantage of this opportunity. If your parents are already covering other dependents, it shouldn't cost them any more money to add you and even if your parents don't have any other kids on their plan, it shouldn't cost much to add a child to their policy, even if you paid your parents the difference, it would still be cheaper than buying your own plan.
What if my plan has a 0 Deductible, but a Out of pocket maximum of 1,250? Does that mean I will not have to pay more then 1,250?
Gabe, your out-of-pocket max is normally the total amount of money you would need to pay for covered medical services in a calander year. Not having all the detials of your plan though, I couldn't say for sure. Hope that helps.
Yes, in the middle of a divorce, I learned that, so I do not answer my phone ever, again.
It should be safe to answer now Marta... I think.
GREAT JOB, BROTHER!!
Pay less?
I'm a little worried my wife may have fell victim
This guy is obviously promoting himself as an expert, yet most of what he said is not true.
Im pretty sure I'm getting scammed, i need help
Uh... legitimate zero-deductible health insurance plans really are a thing...
In the state of Ohio a person buying individual or family coverage does not have the option to buy one with any of the "legitimate" health insurance companies.
Not individual plans sold in Ohio. The lowest deductible available in 2018 was around $2,000
All insurance is a scam! The only way to make it pay is to suffer of a tragedy. Reduce your risk, take care of yourself and if you really do have a big problem, negotiate the price and if you have assets, get a trust attorney and protect them. Us consumers might fight back with our wallets.
I'm sorry you feel that way, James. Insurance was originally intended to transfer the risk of a catastrophic event from one person to many. Insurance was never intended to cover the small things. It's also why you don't have an "oil change" copay on your auto insurance. It's not cost effective. You might want to take a closer look at the (scam) pricing happening from the medical community that is a primary contributor to the problem. You can't lower the cost of health insurance without lowering the cost of what it insures.
Absolutely! So the only way to lower the cost of our scamming, greed loaded health care system is first to be preventive and not use it and second, drop insurance because obviously insuring something increase the price of it. When I go to a doctor and tell him or her I have no insurance my MRI costs $150 yet if I have insurance they charge $2,400 so obviously insurance is causing corruption. Health care should be priced on supply and demand like any other commodity without the third party. I have spent less on my medical care in 60 years combined than ONE MONTH'S insurance premium would cost me. Also when you buy insurance you are paying for smokers, abusive drinkers, junk food junkies, the obese and other high risks I do not engage in. I don't want to pay for irrepsonsibility.
Agreed. But the only way to truly lower the cost of care is to eliminate insurance because then the medical industry would not be guaranteed all this excessive cash. No other part of our economy is so insulated, why should this sector be? Health care should be market based, not insurance based. Get rid of third party payers! I don't have grocery insurance when I shop at the grocery store and if I did just imagine the $25 loaves of bread and $5.00 bananas!
Its only in ohio
Why the fuck can't I have straight teeth? What the fuck
Hard to say.