Just as is true in the wilderness:
Your GUIDE is MOST IMPORTANT
At the heart of our wealth advisory practice is the quality of our "subject matter experts". Every element of personal financial strategy is complex and becoming more complex - someone who claims expertise in more than one subject is kidding themselves.
Never has this been so true of health insurance particularly for individuals, small businesses and those in their Medicare years. It's not your current policy that matters as much as the expert that will help you navigate the constantly changing complex environment of
companies, policies and state/federal legislation. It is rare to stay with your current policy more than 2 years.
Below we have provided some actual accounts of the work that our health insurance expert has done for us.
These stories demonstrate his passion, competence, insider contacts/knowledge, customer service and team orientation. These attributes turn an insurance agent into an insurance expert.
That describes "our guy". Yes, he's that good and yet another team member that we greatly appreciate.
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A Client's Application for Insurance is Approved When it Seemed Impossible
Recently a new client had a very expensive health insurance policy. However the client's past health history made it difficult for her to be approved for a new policy. Despite our agent's best work, the client's initial application for insurance was rejected.
Our agent realized that a certain policy type at a certain provider was the best hope -- and he knew the underwriter that would be reviewing the application. In addition, the agent had developed a positive relationship with the underwriter over time. Our agent was able to call the underwriter and and plead the case directly. The underwriter approved the application and the client is now in the new insurance and saving around $400/month in premiums. As you can imagine, she is quite pleased!
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A Non-Client Experiences Great Customer Service
Our health insurance expert prides himself on his expertise with the over-65 Medicare crowd and helps the "greatest generation" (and now the baby-boomers). He has recently taken his knowledge of this part of the market (Medicare, Medicare Supplements) to an even higher level. He stays on top of the rapidly evolving list of Medicare-related products available. He is often able to save a couple hundred dollars/month while improving their coverage. I doubt there is anyone in the USA with a greater knowledge.
Recently a fellow member of a local chamber mentioned his in-laws were confused with their Medicare situation. He had no idea that our firm provides this expertise and was pleased to discover it. He is a CPA but has no knowledge in this area. I shared my health insurance agents information with him and his in-laws met with him. As I found out at a recent chamber event, the in-laws were absolutely delighted with the experience. In their case, they already had the best set-up. Our agent reviewed their situation in detail - explained everything to them. They received a an education along with a free analysis and were not sold anything. When is the last time an insurance didn't sell anything to you?
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Knowledge Demonstration
A new client had just come on board about 2 years ago and I could see that his insurance coverage was very minimal. The premium was low, but the coverage was even less than what you expect. So health insurance bubbled to the top as an initial priority. I called our health insurance expert explaining that I did not have the policy yet but described it to him. He said, "How much is his premium?". I quoted the monthly premium amount. He said, "Oh, that's the XYZ-234954 policy." He proceeded to list all the details and also said he could place him in a much more comprehensive policy for the same premium. By the way, I did confirm shortly thereafter that the agent was exactly correct on the policy! It amazed me that his knowledge was so complete that with a premium dollar amount and description that he could name the policy. Wow! This client has been in this policy now for a couple years and is delighted.
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Customer Service: Annual Open Enrollment
For our "W-2 wage earners" -- clients that are employees in a company; our health insurance expert makes himself available as a consultant during the annual open enrollment at no cost to our clients.
Choosing between more than one health plan option is very complicated. Which one will serve your family best in terms of quality of health care and overall cost?
We send our clients' open enrollment package to our expert and he will spend a few minutes on the phone with our clients letting them know the trade-offs and making a recommendation. This is so valuable and provides peace of mind that you have made the most informed decision possible.
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What to Do Next
You do not have to become our client to get access to our team members. Just give us a call.
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