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what's up everybody Dave Seidel here
back with American health plans and
we're talking with our sales manager
Brian Holley again want to make this
quick video here about how to get health
insurance outside of open enrollment
before we get into that though I did
want to mention real quick we're making
these videos here during a March Madness
and the national championship game was
just played yesterday and during our
first video that we made a few weeks ago
Brian I asked Brian just for fun who we
was picking in the tournament and Brian
if you want to remind everybody but did
you go with
hometown favorites always gonna Chicago
Marines and they just came out short
last night but when my breakfast I had
Villanova so I picked a winner as far as
the other picks that go as well but you
know I got the winner so nice somebody
was looking for bracket advice next year
make sure and hit up Brian your MBA as
well okay caps caps has all that on the
record
cool all right so let's get into this
here real quick Brian right now we're
outside of open enrollment health
insurance so we did mention this in our
last video but you wanted to remind
everybody what is a better only winners
they're so open enrollments the most
popular time to sign up for health
insurance you know you'll get all your
pre-existing conditions covered
guaranteed issues that are really nice
plans you can get a bunch of discounts
the only time you can sign up for those
are between November 1st and December 15
as of right now outside of that you do
have to have a special enrollment period
an SCP what that is referred to by the
government is you lost coverage outside
of your will so you can cancel that does
not count losing coverage means work
terminated you and your cover
ended you had a baby so now you need an
additional person added to your coverage
you got married an additional person
added to your coverage a death in the
family
your coverage ended you need new
coverage so losing coverage or changing
your life changing event if you will and
then we can go ahead and get those plans
again but very tough a lot of paperwork
to go through so there are a ton of
alternative options that'll be cheaper
and cover you a little bit better
I'm outside of Bowie and ahead you've
already had insurance you had to have
already had one of the government plans
so you know your top names Blue Cross
Molina and better and then you have to
lose it within a 60 day window so two
month window if you lose it you don't
hop on to a new plan within you know 60
to 65 days little red to month you can't
get insurance until the next open
enrollment November December timeframe
okay
so let's say um I don't have a special
moment I'm still looking around are
there options or so what do you got
absolutely there's a ton of options you
can go to a majority of them start for
you the very next day 24 hours effective
which is great you don't want to go long
without insurance in case anything
happens but what we do is we have a
couple alternative measuring plans there
the closest you're going to get to the
government Blue Cross plans they have a
ton of bells and whistles like co-pays
preventive care visits they can pick
your own deductible so they're
customizable to you we also have fixed
benefit those plans have no deductible
so we like to call them first dollar
coverage plans they pay everything
upfront you get a huge network like a
PPO network so flexible no referrals you
can go out of state all those benefits
are paid upfront you get left with the
remainder of the bill so if you're
healthy you don't go that much it's nice
to have all that
from bills covered the male's have
short-term we have a couple plans that
cover you for 90 days you can just renew
those every 90 days the plan only goes
up about five dollars a month every 90
days so you put four of those together
you can still get a full year of
coverage and then we also have a new
product this year three by four so it's
short term but it renews on its own so
you have to worry about any renewing or
paperwork again you can pick your
deductible all these plans this time of
year are pretty flexible to you and what
you use them for cool yeah so some
definitely have a lot of options there
and if anybody is interested in learning
more about that we have a lot of
information on our website we'll
probably also be shooting some more
videos just to go more in depth but for
this particular video we just want to
let you guys know what the options are
anything else you might recommend or
anything else that we have for people
just looking around in general yeah
there's a unique product it's been
around forever but a lot of people don't
know about they get cut up and on the
blue cross and the brand names but it's
called gap coverage or ancillary
products if you guys know math flack
it's very close to that we offer about
five different companies of these
ancillary cap products there Dave
best most popular products are going to
be your critical illness what everyone's
worried about heart attack stroke cancer
pays you a cash benefit to go ahead and
then pay off your deductible so you
don't have to accidental coverage
stitches to broken bones if it's an
accident injury you never know what
tomorrow can entail they will pay you
cash benefit again to pay your
deductible so you don't have to some
other popular gap coverage plans are
hospital indemnity they pay you a cash
benefit for as many days as you're in
the hospital so that helps for the
inbetweeners you know
as an attack kidney stone something like
along those lines where you end up in
the ER the hospital and then we have
answer your products dental vision from
about five different companies we also
do life insurance so you can sign up for
life insurance a year round again it's a
tough subject to talk about but you
never know when you're gonna need it
you never want to put that burden on
your family so my advice at least get
you know fifteen twenty thousand final
expense cover your funeral you know when
you're gone kind of thing so yeah if you
guys are interested in learning more
again check out our website we'll put
links in the description below and if
you're watching on YouTube you can
always check out our website as well and
we will shoot more of these coming up
shortly but thanks for stopping by
thanks alright
