Insure It Forward In The News

MAKING THE RIGHT CHOICE

Newsclip on December 8th, 2022; Making The Right Choice. Click the image to view the Newscast.

This segment is sponsored by Insure It Forward. You know Insurance just isn't one size fits all you need expert help to get the right help for you and your family and that's where InsureItForward is going to come in so let's head back to their Edmond office to get some expert help from Jim Scheihing. So living in Oklahoma is confusing as health insurance can be, it's really important to have an advocate or an Agent in your corner to help you shop the marketplace, and luckily for us, we have owner and agent Jim Scheihing here with us to help us shop or help guide us through shopping for the right insurance that best fit our families. So how does that happen when someone comes into the office Jim? Well, Malcom. when someone comes in, or they can go to our website and do it themselves at www.insureitforward.com, but the first thing we do is go to the website at www.insureitforward.com and click

FINDING THE RIGHT FIT.

In this News Piece we cover some great updates on plans and prescriptions. Click on the image to view the Newscast.

Fox News and Insure It Forward on 11-24-22

SHOPPING YOUR PLAN

The importance of shopping your plan and comparing - and the difference expert help makes in the results, along with the role prescriptions play. Click on the image below to view the Newscast.

Sponsored by Insure It Forward, experiences counts, especially when you're trying to get the right insurance coverage. Back with us is Jim Scheihing of Insure It Forward, it's a local insurance agency out of Edmond. Jim welcome back, it's great to see you. Well, thank you Amy it's great to be here! We're so excited about this because we're doing a 5-part series and this is the second of the 5-part series. So let's jump into today's topic, we're gonna talk a little bit about the big difference between prescription drug costs from plan to plan - so tell us a little bit about that. Yeah Amy, so with prescription drugs, when you're looking at the Medicare Advantage Plans and Health Insurance Plans the big deal is how it covers your health care and that's what we really want to focus on and one of the hardest things to grasp is the prescription drugs and the formulary list cuz every year the insurance companies change those so if you don't shop your plan even if you change your prescriptions it could make a really big difference. So what I brought today is just two illustrations of two clients that we met with this week, it's just off of medicare.gov and it's just a real brief example of these, now we have them and a lot bigger ranges but this is just two really, really good ones. So example one, and what I did is I just picked three of the top PPO companies, so the same drugs from one plan to the next, this year in 2022, I'm sorry, 2023 will be 2761 with one plan. With another plan, it will be $5300, and with another plan, it will be $6579.
This client for this year was on the middle plan, but we're gonna have to switch him to the first plan. They're all great plans, but $2500 is a lot of money, and we want to find that. The second illustration is that you can have the same type of difference, even with one prescription. So this is a client that just takes one prescription and they came in this week with one prescription you're looking at a range of $864 to $2455. Again, they switched plans, a lot of times you don't. But for them, I think they're actually on the third plan, so they're going to get their prescriptions down by $1700 just by taking the time to shop it. So, that's a great illustration that the type of coverage you have certainly matters. Let's talk about some kind of important dates that are coming up, that are centered around the Affordable Care Act which is also known as the Obamacare Act, so tell us about that real quick.
Okay, so just between you and me the government doesn't know there are twelve months in the year, they put everything in the last three months. So we have Medicare Open Enrollment right now that started October 15th and goes through December 7th. But the ACA, Affordable Care Act, Obamacare, Marketplace - whatever you want to call it, it starts November 1st and goes through December 15th, just to make it complicated, if you want your coverage to start January 1rst, then they did a 30-day extension, but then those benefits wouldn't start until February 1st. So all these overlaps in the same period of time. This year with the Affordable Care Act as far as carriers go we just have a small change which is kind of nice, because we've been down to one carrier. There for a couple of years, we only had Blue Cross, now we have 6 different carriers in Oklahoma County. Bright Health left Oklahoma but we have tons of other plans to help that out. In Oklahoma County, we have over 100 different plans to choose from so it really takes studying it and figuring out which plans going to be the best for you, which plans have your doctors, your hospitals, just like on Medicare. Jim, you are the man, you know your stuff and so I know a lot of this information people want to sort out. And to get this information they just need to call you. So, Thank you so much for coming in, we look forward to our next 3 part series. To find out more about Insure It Forward, health insurance agents with a cause you can call 405-595-0648 or you can check them out at InsureItForward.com

LIVING OKLAHOMA EXECUTIVE ORDER

Jim Scheihing discusses the details of Obamas Executive Order and how it will continue to affect our Health Insurance Plans. Click on the image to view the Newscast.

THE FAMILY GLITCH

Addressing The Family Glitch and Getting Your Best Family Plan on December 1, 2022. Click the image to view the Newscast.

Fox News and Insure It Forward on 12-1-22

Sponsored by Insure It Forward. So, You're needing insurance, but more so the right kind of insurance for your family but you don't know where to start. Yeah, how about letting experts at Insure It Forward point you in the right direction, let's see how they do it. Hey guys, so we're hanging out here at InsureItForward headquarters in Edmond and I'm joined here with the owner agent, this here is Jim Scheihing. Now, Jim, I'd imagine that a lot of full-time employees that are watching right now have insurance for them that's affordable but when you want to add your family members to the coverage that's when things get a little pricey, and the IRS notice this and they're trying to do something to combat it. That's exactly right, prior to this year if you have coverage through your employer and normally your cost is pretty affordable but if you want to add your spouse and your kids, normally it's quite a bit more. It's pricey. Yeah, so before, if your insurance was $50 to cover just you, the government considered that affordable, but if it costs $10,000 - obviously I'm exaggerating, but if it cost that to add your wife and kids, they just went by that $50 and said well the whole family is covered and that's affordable. Well, they labeled that the family glitch and they fixed that this year. So this year, if it's $50 a month to get coverage from your employer to cover you, but then $10,000 to cover your wife and kids, what we can do is, you can drop your wife and kids from your work plan, and then get a plan on the marketplace where they start as low as

OPEN ENROLLMENT

Open Enrollment. In this News Piece we cover details on new plans, signup options, what we do in making a difference. Click on the image to view the Newscast.

Well, finding the right fit when it comes to insurance coverage just got a little bit easier thanks to Jim Scheihing and Insure It Forward, it's a local health insurance agency out of Edmond and he is back with us today Jim so great to see you It's great to be here! Well, I know you've given us some great information, especially over the last couple of weeks. So, today we're going to talk a little bit about open enrollment or Obamacare, so what do we need to know exactly? Well, the open enrollment season, it's crazy cause we have both for those over 65, and for today I'm gonna kind of focus on those under 65. So, it started November 1st, and it runs through December 15th if you want your coverage to start January 1. We're open extended hours so it's a crazy time for us, we're open 7 days a week, and we're open til 8 Monday through Thursday, so it's just crazy for us. But, uh, there's a lot of new plans. In most parts of Oklahoma, there are over a hundred different plans to choose from. In the bronze plans, which is where most people start because they have the cheapest prices, they're starting with $9100 deductibles, so we're having to do quite a bit to try to figure that out and we found some other things because most people can't afford that so, maybe that can't afford silver, but they can't afford a bronze either so we found some other things to kind of offset that. I think you know how to get creative, you have to. Yeah, you have to with the Affordable Care Act, cause it just changed everything. It's hard to believe, it's been 10 years already. Gosh, yeah. So if someone is already on the marketplace, do they have to re-enroll for this type of coverage or are they automatically on it - how does that? So, if you're happy with the plan you're on, they will automatically stay on that current plan. Now, this year we have Bright Health that left the market, so if you're with Bright Health you'll need to find a plan that fits your needs this year. And the markets have changed a lot this year so it's always a good idea to shop - in the past, most companies have had multiple hospital chains, but this year a lot of them just have 1 hospital chain. Ok, so let's talk about plans a little bit. There are so many out there and so many options, do you have any suggestions on kind of how to narrow that down before maybe somebody contacts an insurance agent? Yeah, we always like it when people call us and we're open extended hours and we love to sit down and work with them to find a plan, but a lot of people want to kind of do that research beforehand, and we kind of have a saying around the office of

INTRODUCTION OF INSURE IT FORWARD

Introduction to Insure It Forward. Who we are and what we do in making a difference in the health of your life. Click on the image to view the Newscast.

This segment is sponsored by Insure It Forward
You know experience counts especially when you're trying to get the right insurance, joining us now is Jim Scheihing with Insure It Forward, it's a local insurance agency out of Edmond. Jim, welcome to living in Oklahoma! Well, thank you, Amy. We're so happy to have you cause this is the first of a 5 part series on insurance. So tell us a little bit about yourself and also a little bit about Insure It Forward. Again, my name is Jim Scheihing and I started the insurance company about 30 years ago with Mutual of Omaha. Once I started with Mutual of Omaha, working for one company I found out pretty quickly that you can't serve your clients the best if you only have one product cause not one thing fits everybody. So, that's when I became an independent agent. And then right around the time, or right before the Affordable Care Act started, is when I started Insure It Forward, cause it was so confusing, we just kinda started figuring out a way to survive Obamacare or the Affordable Care Act. Then I went back to my roots and added Medicare as well as Medicare Advantage Plans. Okay, let's talk a little bit about that - a little bit about Medicare and also the Medicare Advantage plans, who would be eligible for those? So medicare is the plan that ensures almost everybody is 65 and it also includes a large part of the population that is under 65 but on social security for disability. And medicare has four basic parts. You have your part A and your part B which cover your doctors and your hospitals. Okay, you also have your part C which is your Advantage plan which is where you can opt out of Medicare and go with a private company. You have part D which is your prescription drug plans, and you also have medicare supplement plans. So there are a lot of different options, so it really takes. it's kind of a process to find the right plan. Yeah, so let's talk about that because it is difficult, and you did a great job really kind of breaking those down. How do you know you're picking the best plan for yourself or your family? So for each person, it's going to be different, and we look at a lot of different things. The main thing we want to do is we want to find the plan that's right for you. We want to find the plan that has your doctors, your hospital, your prescriptions, your pharmacy, and your plan - and for some people that might be an Advantage plan, for some people that might be a Medicare supplement, but we really gotta take the time to figure out what the plans are, and most of the time the deciding factor is prescriptions, cause the difference in prescriptions from one plan to the next can be your out of pocket is $1500 a year for one plan and $10000 a year for another. So, you really want to find a plan that fits your needs. That is important, and it's not one size fits all you really do have to engage the person and their needs. All right, so we see a lot of ads with aging celebrities, they get countless phone calls, you know they're talking about Medicare, that there are advantages going on, so how do we know how to decide between those celebrities and those ads and those phone calls? What's real, and what's not? And that is a really hard thing to do right now. It's crazy right now you almost don't even want to turn on the TV, cause that's all that's on. Uhh, but there are a couple of different parts to that particular question. Umm, the first part is to answer your question No, there's no advantage to going with those plans. Health insurance is a little different, especially in Oklahoma. Your cost or the insurance cost is the same whether you buy it from the insurance company, a national company, or from a local agent. And when you buy it from a local agent you get it from somebody who knows what going on in the medical community. We know who works with Mercy Hospital we know like right now, like if Integris, or OU whoever is fighting with one of the insurance companies we know those things, we keep up with what plans use local pharmacies, you may want to use your local pharmacy not one of the big box stores. So we keep up with all those types of things Umm, one of the things I've been asked just since open enrollment has started is, Gosh Jim, is it going to cost for you to come out and do all this work? And no, at least with Insure It Forward we never charge for our services, we are paid directly by the insurance company, regardless of which company. Umm, to get specific on the phone calls, those drive me crazy. I got seven yesterday, I think three or four of them were on my business phone! I'm pretty sure my business is 65, and I don't get Medicare. So, umm, most of what bugs me are that they try to make it sound official with Medicare something or other. They're not, Medicare is not going to call you. So, Jim, I think the best thing is, is for people to call you! Great information today, instead of weeding through those phone calls just call you guys. YOu can find out more about Insure It Forward Health Insurance Agents with a cause at 405-585-0648. You can always check them out online as well at InsureItForward.com

INTRODUCTION TO CHRISTIAN HEALTHSHARE

Jim Scheihing of Insure It Forward introduces the Christian Healthshare Programs. Click on the image to view the Newscast.

LIVING OKLAHOMA OBAMACARE TRUMPED

Jim Scheihing introduces the latest on Obamacare and the

Having a good Insurance Agent to rely on doesn't cost you anything and In Return;

You get better information
You're more likely to find a "best fit" plan.
Save more because of that fit.
Have more all around benefits.
Be more on top of the insurance game as changes come... and they will.

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Elite Circle of Champions Badge recognition for Insure It Forward

The Elite badge; The highest designation by HealthCare.gov to top agents who serve their community. “Agents are there for people in the community,” said Kevin Counihan, Marketplace CEO. “They help people get the coverage they need for their families, where they need it.”

Insure It Forward In The News

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