Benefits of group insurance @ Video

Benefits of group insurance



Benefits of group insurance

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Benefits of group insurance

Purchasing health insurance can seem like a daunting (and often times confusing) process. Here are some tips to help you get the best policy that works for you.

Value Of An Agent

USA Benefits Group agents have the knowledge and expertise to help you with your insurance needs. We are NOT a call center! Our agents are independent insurance consultants and they are licensed in the states where they conduct business.

Product Info

USA Benefits Group’s producers have been providing affordable Health and Life insurance to individuals, the self employed and their families since 1988. We also offer Medicare Supplements, Annuities, Long Term Care, and many other benefits.

Info Before Buying

The “4 C’s” of Health Insurance

Many experts recommend that you evaluate health insurance plans along four areas of concern.

  • Company: Is it a reputable company with a good rating that has been in business for a long time?
  • Cost: Is the plan affordable to start with and can it be expected to remain affordable in the future?
  • Coverage: Do you understand how the plan works and are you comfortable with the plan benefits?
  • Continuity: Once you are accepted by the company can they guarantee that the policy will stay in force as long as you continue to pay the premiums?

The Current State of Health Insurance

The ACA (Obamacare) is imploding under it’s own weight and it eventually will be repealed or replaced.

  • A major blow to the law is the elimination of the tax penalty starting in 2019.
  • There is currently strong demand for more affordable alternatives that can be purchased all year long.
  • We offer the biggest selection of health plans for people looking for alternatives to Obamacare.

What options are available to you?

Defined Benefit Plans

Guaranteed renewable health insurance plans that pay “defined” benefits for specific medical services.

Our best plan features:

  • No Deductibles
  • No Co-Insurance
  • No Pre-Authorization

Plan Highlights Include:

  • $5 Million Lifetime Maximum
  • Use any Doctor or Hospital you choose
  • TelaDoc and ScriptSave Rx Card included
  • Up to $6,750 per day for inpatient charges
  • 3 times the Medicare schedule for surgery
  • $100 for doctor’s visits / $125 for an annual check-up!

Reduce or Eliminate out-of-pocket expense with:

  • PPO Network Provider
  • Claims Remediation Service

Healthshare Plans

An organization that facilitates the sharing of health care costs among its members who have common religious or ethical beliefs

  • Healthcare plans for individuals and families
  • Comprehensive plans with no underwriting
  • Provides an exemption from ACA tax penalty
  • Pays level commissions for the life of the plan
  • Full portfolio of individual and group plans
  • Available in most states nationwide

STM Bridge Plans

Major Medical Plans With a Termination Date

  • Offers comprehensive major-medical type coverage for a limited duration
  • We currently have plans that offer up to 12 months of continuous coverage
  • This type of plan gives clients an option to “bridge” themselves to the next Open Enrollment Period
Value Of An Agent

Value Of An Agent

USA Benefits Group agents have the knowledge and expertise to help you with your insurance needs. Our agents are independent insurance consultants and they are licensed in the states where they conduct business.

Our agents are health and life experts who:

Know the market – USA Benefits Group agents do not just represent one insurance company. Our agents will help you:

  • Review your individual needs
  • Learn about different insurance companies and types of coverage.
  • Save you time by doing the “legwork” for you
  • Get the most from your coverage after you’ve bought it
  • Follow up with you for your Annual Review

Know the law

  • Not only are our agents licensed by the states they market in, they also complete continuing education requirements that enables them to stay on top of state and federal regulations that impact the sale of health insurance products.

Know the industry

  • USA Benefits Group and the insurance carriers we represent, provide exclusive monthly training for our agents so they are up to date on product and benefit enhancements so they can provide you with the coverage that best meets your individual needs.

USA Benefits Group Independent agents work for you–not any one insurance company. This ensures that you are their top priority!

Questions and Concerns You May Have

Why should I use an insurance agent, and will it cost me anything?

First of all, there is NO COST to you to have an insurance agent work for you!

With HealthCare Reform and the implosion of the Affordable Care Act (Obamacare) there have been dramatic changes in the insurance marketplace making the insurance agents role increasingly important to individuals and businesses in finding cost-saving measures and coverage options.
They provide insurance products while educating and advising you on how to manage risk and make informed insurance choices. Agents are highly trained insurance professionals who will guide you through the complex task of choosing appropriate coverage at an affordable cost and are dedicated to serving the long-term interests of consumers.

How does an agent get compensated? What is his/her incentive to give me superior service?

Insurance agents have strong financial and professional incentives to give their clients a lifetime of quality products and service. They are independent agents who represent many companies. Most agents are compensated on a commission basis – a percentage of the premiums you pay your insurance company. The agents’ loyalty and compensation rests with you, the consumer. Regardless of the method of compensation, agents have strong incentives to place consumers with strong, financially stable carriers and provide superior service on an ongoing basis.

What should I expect from a professional insurance agent, and how can I evaluate my current one?

An agent will guide you through the complex task of choosing appropriate coverage at an affordable cost. The following is what you should expect from a professional insurance agent. Use this checklist to evaluate your current advisor. Your professional insurance agent should:

  1. Work with you to evaluate your needs for insurance coverage.
  2. Explain the details of different insurance plans.
  3. Make specific recommendations to suit your special needs and budget.
  4. Review your plans periodically to update coverage and limit costs.

I’m nervous about buying insurance online, should I do this?

The only time you should purchase insurance online is with the assistance of a duly licensed insurance professional which is what you will find at USA Benefits Group. Our agency has been in business since 1988 and we have been selling insurance online since 2002. We provide the tools necessary for our agents to web-conference with you online, allowing you to see real time information on the company, the insurance benefits and pricing right on your own computer while talking to you on the phone.

How does a professional insurance agent stay current with the numerous plans and changes in today’s marketplace?

As mentioned above, USA Benefits Group, and the insurance companies we represent, provide extensive product training on a monthly basis. In addition, Insurance agents are licensed and regulated by state insurance departments. Prospective agents receive training regarding insurance and applicable laws before taking a qualifying exam for licensing. The majority of states now require continuing education to maintain license status.

We hope you have found this information to be helpful and Thank You for considering USA Benefits Group and our agents as your insurance specialist!

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SOURCE: http://www.usabg.net/

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