Hi, my name is Joseph from Covenant Financial in Rock Falls, IL. We work with companies such as Standard Security Life, and Companion Life(a member of Blue Cross Blue Shield). As a program manager we have found all our competitors have grossly restricting and over charging their clients. Now, we have found 3 loop holes our competitors are leaving out there because they think you won't notice. They are as following:
1). Catastrophic - If your plan has less than $1MM available each year and $5MM lifetime you are at risk. Whereas with our coverage, we offer $2MM/yr and $5MM lifetime. We have seen plans from $50K to $500K. It is simply just not enough. If doctors don't get paid, they can't treat you.
2). Organ Transplant - Even when plans offer solid catastrophic coverage, they often leave an opening cutting you off from what you really need. Think about this, if I offered you a plan and said we would cover everything else, but if you or any loved one needed a major transplant, you would be left with restrictions that may only cover a small percentage of what you really need. What would you do than?
Organ transplant surgeries are very difficult and incredibly expensive. With other carriers more often than not, you will have limited benefits, and restrictions to local hospitals only. We offer the Cigna Lifesource Centers of Excellence - over 115 of the best hospitals nationwide: ex. being Mayo clinic, John Hopkins, Cedars-Sinai, and University of Chicago. And another benefit is we will give you $5,000 to cover any travel expenses to any of these hospitals.
3). Rehabilitation - Another area where most competitors place limits is on inpatient rehabilitation. The effects of any kind of trauma can be debilitating and have lifelong consequences unless treated correctly.. If you have limited coverage on rehabilitation and you needed this service, you could end up dealing with large amounts of bills, and extensive time in inpatient centers. This insurance has no seperate limit on on in patient rehab.
Now our competitors will offer one or two of these areas, but they yet to offer all three. Now why risk settling for less, when you know now they aren't truly going to cover you when you need them the most?
Here are a few of our benefits we offer:
* Doctor's visit, * X-Ray, * Labs * Tests co-pays all at $35. On top of that, we cover mammograms and pap smears at no cost to you. One of our more popular benefits included is the $10 teledoc. What it is, is when you don't want to go wait at a doctor's office for the common medical probs such as having the flu, common colds, or pink eye for examplu. They will send out a prescription to your nearest pharmacy. Why would you want to pay more, when you can get the same treatment for less?
Now, before I am done, I want you to know this; Harvard University conducted a study and found that over 50% of all personal bankruptcies were due to medical costs, 78% HAD HEALTH INSURANCE. Do you want to be part of our competitors trend? They say they will cover you, they said it to those 78% as well. Look where that got them. This is a horrible thing, and at Covenant Financial I will work with you to ENSURE you get the coverage you DESERVE.
If you would like any information about our plans. We have some online brochures at the ibplans website
If you would like to get a free quote and see what we can do for you at NO OBLIGATION contact me anytime.