Health insurance – here's the big picture in 131 words.
If you're not covered by health insurance through your employer or your spouse's employer, then you really care about just one thing, and that's being able to get good health insurance coverage without spending an arm and a leg and without having an astronomically high deductible, so high that basically, you can't even afford to use your insurance.
If you need in your mind an example, consider the average Obamacare health policy. The monthly premium for a family of four – mom, dad, and two kids – is over $1,400.00 a month, with a deductible for the first two people who become sick or injured of around $6,800.00 each. That's basically a yearly cost of 12 x $1,400.00 = $16,800.00 PLUS the deductible of $6,800.00 for a total of $23,600.00 a year BEFORE you can actually use your insurance – and that's if your doctor will accept it.
This article is dedicated to those of us who want and need truly affordable health insurance that we can actually use.
So I’ll ask you something. Have you used Obamacare health insurance? If so then, you’re the last of your kind. Fewer than 10 million Americans even have it. Doctors don't want to accept it, and many insurance companies don't even want to sell it; they've left the Marketplace in droves over the past few years.
Even at the high prices they're charging, they aren't making a profit, because Obamacare changed the game. Most of those 10 million Americans who DO have Obamacare aren't paying for it themselves – taxpayers are footing the bill. And most of those 10 million Americans who do have Obamacare are already sick, running up medical bills. That's hardly a sustainable business plan for insurers, many of whom have simply gotten out of the health insurance business rather than continuing to bleed money.
Rather than sell on the Obamacare Marketplace, many insurance companies have decided to focus their efforts in other areas, like life insurance, disability insurance, and annuities, basically abandoning the individual health insurance market and those of us who need good, affordable health insurance. There was a time not so long ago when there were dozens – maybe hundreds – of companies selling traditional health insurance. Not any longer – the government took over traditional health insurance business. And killed it.
If you walk into an insurance agent's office today, you will find a ton of brochures offering life insurance policies, auto policies, homeowners policies, disability polices. What you won't find very often are health insurance policies. I often drop by the offices of other agents – and find that most of them are either uninsured themselves, or that they are covered under a spouse's employer's group policy. I've found a few agents covered under an Obamacare policy, but they hate it – and before I leave their office, they've learned about my solution and not only do they switch their own coverage, but sign up to sell our plan, too.
Our solution is modern health insurance – a low-cost plan with a zero deductible that you can use at every medical office and every hospital in the country. It's called the Expected Benefits Plan. We call it that because you know what to expect. You know that you can afford it. You know how much will be paid for a particular event or procedure or doctor visit or medication. You know that it will be accepted by any doctor or hospital. You know that you can concentrate on healing and recovering from your accident or illness instead of stressing over medical bills.
Look. For people who are uninsured and for people who make too much money for Obamacare subsidies and for people who just want affordable, usable health insurance, our Expected Benefits Plan is exactly what you've been searching for.
Expected Benefits is a new kind of health insurance. It's what other companies may soon be offering – but we have led the way. It will save you money, it will reduce or eliminate your medical bills, and it will give you peace of mind.
Unlike traditional health insurance, it is easy on your budget, it eliminates deductibles, and it is accepted everywhere. It pays for or helps pay for doctor and dentist visits, lab work, prescriptions, surgeries, broken arms, broken legs, physicals, mammograms, and pretty much whatever else is medically necessary, It lets you talk with a doctor on the phone through the Teladoc service, at no additional cost. If you are diagnosed with a critical illness – heart attack, internal cancer, stroke, kidney failure, major organ transplant – you'll find a $50,000 check in your mailbox to help you while you're recovering. If you're advised to have a surgery, we'll even find the best doctor and the best price and schedule it for you.
And once accepted, you can keep the Expected Benefits coverage until you're age 65, no matter what may happen to your health status.
Let me tell you a little bit about our team. I'm David Ross. I'm a licensed life and health agent based in Atlanta. Our Expected Benefits Plan is currently available in 22 states, and we expect to be adding four more to that list soon. We have dozens of people at our agency in Nashville backing me up, and over 200 people working for you and me at the home office of New Era / Philadelphia American in Houston, the 100-plus year old insurance company behind our Expected Benefits Plan.
And then there are the people who will be working directly for you, as an Expected Benefits policy owner. You'll have the team at LabCorp, providing you with discounts of up to 80% on your medical labwork. You'll have the entire team at Teladoc, a full staff of licensed medical doctors to take your calls 24/7/365 to discuss any minor health issue you may have, who will call in prescriptions for you if necessary. And you'll have over 900,000 medical doctors and medical facilities and over 4,500 hospitals across the country available to take care of you if you are sick or injured.
Right now, if history holds true, someone reading this is pulling their hair out trying to figure out the health insurance maze, and wondering if they can afford quality health insurance. We have figured out the maze for you. And yes, you can afford our quality health insurance.
Let's pause for a minute. We're pretty choosy about who we cover. Unlike Obamacare, which is required to accept everyone, we don't accept people who already have a serious illness. That's how we keep our premiums so low. However, once you're accepted, you're covered until you're age 65 and you're eligible for Medicare – no matter what happens to your health.
Why don’t you tell me about your health insurance needs? Just a few simple questions about your age, who in your family you want to cover, whether you use tobacco, and your zip code – and I can show you how inexpensive your premium will be. You'll be pleasantly surprised at how little our Plan costs compared to a non-subsidized Obamacare policy or to your current group health policy.
Call or email me for your quote. If you like what you hear – and you will – I'll ask you a few questions about your health, and if you qualify, we'll have you and your family covered with awesome, amazing, and affordable health insurance in just a few days.
Call me at
• Independent Life & Health Insurance Agent
• LegalShield & IDSheld Independent Associate & Director