Underwriting
This organization provides coded medical alerts but cannot be the sole reason for a denial.
MIB (Medical Information Bureau)
What is the application called
EZ app
what does A.T.E stand for
Acknowledge turn around engage
ACA/ Obama care/ Marketplace
For people with low income or pre existing conditions
If they are not low income or pre existing conditions they are highly expensive
These plans are based on guaranteed insurability
Mainly have HMO or EPO networks ( restrictive networks)
If not in either category i can save 30-40%
who is our CEO
Troy Mcquagge
A client has osteoarthritis that is asymptomatic with minimal interference.
Standard
This question is always a Yes on the application
US citizen
Who are you with?
I am an independent agent, all that means is I work with the top carriers such as United, blue cross blue shield, cigna and aetna.
Health share
Good for maternity
Not regulated by the department of insurance
How the market works: Pay into a bucket of money with other people
Payment of the claim are paid by the members of the organization
Not intended to replace real insurance
Who is our company owned by
US Health Group
A client has moderate asthma with past ER visits but is not severe or uncontrolled.
what is IC individual consideration
This state ask you if a portion is being paid by an employer
Florida
You are the 100th person to call me!
Wow! I am sorry to hear that you are only supposed to get contacted by 1 or 2 licensed agents like myself, I will go ahead and update your file on my end. Just so I can do so, did you already find coverage?
Group/ employer:
The marker itself is federally mandated to cover 50-80% of your monthly premiums
Once you add family members they are no longer bound by the federal obligation to cover 50-80%
What are all the leadership positions in the company
FTA, FSL, SAT, DSL, Region, senior region
An appeal historically has about this success rate.
1 in 10 (10%)
What plans in EZ app do not require medical questions
Health access, ACA wrap, association dental vision, secure access
How did you get my information:
It looks like you submitted an online health insurance request and an agent never closed out your file. Did you end up getting that situated?
Whenever you go on the marketplace or health sherpa to look for insurance, they create a file for you and first put you in contact with their direct agents. After that, if you are never marked as helped they send that file out to other licensed 215 agents in the region.
Short term
Good for inbetween jobs, switching onto spouses policy temporarily.
Don’t have caps on coverage, typically only good for 3-6 months, high out of pocket max & deductible can leave you medically exposed
What are the two main ways we get paid
Advanced and as Earned
Approved
Said she had united healthcare
Okay I'm glad you secured coverage just so I can update this file, United health care is spread across a couple different markets.
Do you know if you got that through golden rule, the marketplace, or your employer
Limited benefit
No out of pocket maximum
You get what you pay for
Only pay fixed benefit amounts and have limited coverage
Christopher George
Taraina Phillips
Jason Grief
Mara Dorne