Scheihing owner of InSureItForward joining us once again because this is an important time of
year there are only six days left to get signed up for the health insurance for
2017. So we're kind of in the last few days for people trying to do that and
your kind of here to help people get out
of it may have some issues and look at some other plans as well, right?
That's exactly right, there is only
six days left which means you're not going to get health insurance for 2017
after January 31 unless you have a qualified change like you lose your job or
something like that, but if you just call it say "Hey, I want to buy
health insurance, you're not gonna be able to do that.
Now, what people need to know, and,
what are some other options?
Ok, the main thing is is the federal
poverty level, which I believe I mentioned last time when I was here and I
believe that's going to be put up on the screen. That's a really big factor. If
your income guidelines are on that you really want to look at when the Blue
Cross ACA-compliant plans. So if your
income is between like for family of 2 at 16,000 all the way up to 64,000, you
can get a lot of help. Again the example I used the other day with an older
family in their sixties making 66,000 year didn't qualify for any help but if
they made 63,000 they would have gotten eighteen hundred dollars a month help.
This is all based on 2017 income, so
you can you know some people can still change it. You can, if you're on that
low end like when your viewers that called and said that the Affordable Care
Act that they wouldn't qualify well they put that they guesstimated they make
11,000 for 2017. Well, if they think they can find a way to make 12,000 they'll
get a couple hundred dollars a month help.
So just being told no it's not always
the right answer there, in my opinion. So, if you qualify, if your incomes are
guidelines, and you don't have group health insurance, you're with a blue cross plan which
is the only affordable care act compliant plan is the way to go. If your income
guidelines aren't in that when we do have some other options.
options are the Christian Healthshare Plans. There are five of those. Now
they're not health insurance but they do make you exempt from the penalty so
you don't have to pay the penalty ok. And it's just the idea of Acts II of
where Christians sharing each other's burdens, so it's not insurance but you
are taking care of your risk by having other people partner with you and
sharing those risk. You know a lot of people don't know
we represent the Christian Healthshare plans we represent all the different
Health Insurance plans so we can help you figure out the plan that's right for
Right, I mean this isn't just about
one plan, it's about finding out what's best for a person or family.
That's exactly right, and sometimes
it's a Christian Health Share, sometimes it's a short-term, sometimes I'm
telling, you know, you need to just go with your with your group plan, so, it's
really about finding out what's right for that person.
Is there a cost to use an agent, how
does that work?
No, there's no cost to use an agent,
we're paid by the insurance companies and our rates are the same whether you
use us or not. So, if you're rate is two hundred dollars, buying it from me it
will be two hundred
dollars during buying direct from the company. Now, there are some agents that
do charge you admin fees, but we don't do that Insure It Forward.
Ok, because that that's a good
question i'm sure you
can, haha yes yeah,
that was kinda awkward when it's a friend or something afterwards… "Uh, by
the way, what do I owe you?" So that's always nice to have that upfront.
Remind people why it's so important to have Health Insurance if they can.
Because you really don't know when
you're going to have that big bill. Everybody thinks about the doctor's office
co-pays, and the prescriptions, but you buy the health insurance because you
don't know when your baby's going to be premature, and you have a
three-million-dollar charge. You don't know when you're gonna need some type of
surgery and it's 90,000 or 200,000 that's why I'm so passionate about making
sure you know what you're buying, because a lot of the plans out there that you
know if it's not a Blue Cross Plan and it says in the fine print it doesn't
meet the ACA guidelines, it means it has limits and the ACA plans don't. If you
have a two million dollar bill in your maximum out-of-pocket is five thousand
dollars, or ten thousand that's all you're going to pay. five or 10,000.
Well, and then that's where getting
expert advice is so important, because I know there are a number of plans out
there that don't really cover what you think they do and you find out too late,
exactly right. One of your viewers called in the other day and they had
purchased a plan through and when they looked at it said it didn't meet the ACA
guidelines. So they called us and that plan actually wasn't insurance at all it
was just a bunch of discounts. And then we see a lot that have like, say, they
have a two-million-dollar maximum but the maximum daily benefit is a thousand
dollars. Which, that isn't really.
right, that's not even close enough to talk about. It sounds like a lot but in
the medical world it is not. All right, let's talk about your extended hours
and everything. All right, between now and Tuesday Jan 31st we're going to be
open extended hours the open to at least eight at the Edmond office, we'll be
open Saturday and Sunday and Monday and Tuesday will be open till at least
eight at both offices.
All right, six more days and Jim has
any information you need, he'll get you in the right spot. You want to call Insure It Forward
right now at (405) 585- 0648 you know the website is
InsureItForward.com., Facebook is InsureItForward, Twitter is