Emily's Bio
What state was Emily born in?
Texas
How many types of insurance networks are there?
4! There are four main types of health insurance networks: HMO (Health Maintenance Organization), PPO (Preferred Provider Organization), EPO (Exclusive Provider Organization), and POS (Point of Service).
What age group can Emily help?
Adults 18-64
What are ACA plans rates based on?
Age, Zip Code, and Income
Where did Emily go to college?
Texas State University. Business Degree with major in Finance.
How long has Emily worked at USHEALTH Advisors?
almost 8 years!
How many states is Emily licensed in?
28
What is an example of a "life event"?
Recently Divorced, Married, had a baby, aged off parent's plan, lost group coverage, moved
What is a health share?
Cost-sharing program to help cover each other’s medical costs (pot of money)
Stuck with managing the bill collecting and tracking down reimbursement from the health share program
Emily has two sisters. Is she the youngest, oldest, or middle child?
Middle Child (favorite child)
Can Emily help people with public and private plans?
Yes! She represents a private company but can advise on public plans if it's best for their health needs and budget.
What networks are offered on ACA Marketplace /Obamacare plans in Texas?
HMO/EPO/POS - no PPO in Texas on the ACA Marketplace
If an employee goes through a job transition through their employer, what type of health insurance are they offered?
COBRA = expensive; Emily provides a more affordable PPO option
What is a short term plan?
Temporary coverage that will bridge the gap between jobs, moving, etc. Not long term coverage ( 3 months max ). If claim, they can potentially be kicked off the plan
Emily has how many nieces?
2 - Lakynn and Saylor
What PPO network do we utilize?
United Healthcare Choice Plus PPO
What major cancer treatment hospital in Houston only accepts a PPO network?
MD Anderson
No. An adult has to be on the plan.
Do all of Emily's plans include financial protections like accident reimbursement and critical illness benefits?
Yes! Each plan comes with accident reimbursement, hospital confinement, and typically critical illness.
Where are Emily & Derek traveling to next week?
Jamaica
What are our premium rates based on?
Age, Health, Zip Code (not income based)
Who is our main target Audience?
Self employed and small businesses (1-49); healthy & wealthy (overpaying for coverage)
Where can you get a PPO plan outside of an employer in Texas?
Private company AKA me