How to Get High Quality Health Insurance
Without Paying Outrageous Rates

The way to lower your premium on marketplace plans is to estimate your income for the coming year. The lower your income estimate, the lower your premium. Here’s the problem, especially as a business owner: if you make more than you predicted, when you file taxes, you’ll be required to pay back the tax credit that subsidized your lower premiums. The IRS is the collection agency for Obamacare or marketplace plans. They will collect the premium tax credit; it will be part of your tax bill. We can help you avoid this situation.

The direct answer is no. Generally no, unless they were medically necessary due to some type of accident or diabetic situation with vision. The reality is we have great dental and vision benefits that are, what we call, stand alone. And when I say great, I mean very low cost, very high value plans.

So when you request a quote, and schedule a 10 minute talk with Tim make sure and check the boxes for dental and vision quotes and we’ll get those numbers and go over those details for you as well.

We can take care of your wife on an individual plan.

When you get to Medicare, you become individuals basically with your health benefits. And that’s unusual because all the way up to Medicare, we’ve usually had family policies or couple policies.

So don’t worry when you get Medicare, we can still take care of your spouse prior to them receiving Medicare.

Yes, we have plans that can start as quickly as tomorrow.

To answer the question very simply, the answer is no. These do not work like Obamacare. Now, as far as coverage, benefits, broad networks and immediate benefits for care… These solutions are unparalleled.

We have plans in Tennessee and in other states.

Our health insurance plans are subject to state boundaries. This is one of the things the Trump administration talked about trying to do away with in order to create better pricing by spreading out the demand / risk. But here’s the key… We don’t just serve Tennessee. So if you’re saying, “Hey, I’m in another state how can I tell if you cover my state. Let me double check your state and the availability of plans for you in that state. Just request a quote and then Schedule a 10 minute talk with Tim and we’ll double check that.

Here’s another part of that question. If we get coverage for you here in Tennessee, that coverage is good nationwide. So if you’re traveling, if you’re on vacation, no worries, you are covered nationwide.

The answer is yes, not only in network but most of these plans have arrangements where you can actually go out of network if you need to. Cost goes up a little bit… But freedom is there. So tremendous network to begin with, where you’re getting substantial discounts, in-network, and then flexibility. If you need to be out of network, you absolutely have coverage.

Medications are covered. Now here’s how… the best, easiest, most beneficial way is immediate, contracted discounts at the counter when you’re picking up your medication. I mean substantial discounts… immediate. That is the first step. The second step then, on most of our plans, is a medication rebate or reimbursement that comes for generics and brand.

Go ahead and request your quote, scheduled 10 minute talk. We will cover that specifically for you. But yes, medications are covered and you will save. I’ve seen substantial money saved over traditional models of medication coverage, where you have deductibles and co pays and things of that sort.

Employer benefits is a very large space, very large topic. What we can do is actually look at your employer benefits and see if we can help you. 

I’ll give you an example. I’ve got young man who was offered benefits from his employer. Reality is the deductible was so high, and his portion of the premium, even at 50%, was much higher than a zero deductible plan we were able to provide him. So we were literally able to be less expensive on the premium than him paying 50% of his employer plan, and we eliminated the deductible versus a very high deductible on his employer plan. So we do have employer benefits.

By the way, if you’re a small employer…. you’ve got 5 – 10 – 15 – 50 employees, we can assist in providing tremendous options and cutting costs dramatically for you as an employer.

Absolutely. We have different carriers that have different guidelines. But what I need you to do is very simply request a quote and then schedule a 10 minute talk with Tim. There’s a couple of questions I’ll ask to identify what her status is with respect to card numbers etc. With multiple carriers, we’ve got options. We can take care of you and your wife. Welcome to America.

Well, our company is Benefits 4 Biz Owners.com. We use a myriad of companies or carriers, we call them – insurance carriers, to take care of your needs.

So it really comes down to what you are going to need and what we can do at the lowest cost for you. We’ve got a number of great options. We can turn things around as quickly as tomorrow with coverage for you and your family.

Yes, very common that we help folks in that 55 to 65 range getting to Medicare. The Obamacare space or marketplace plans are very costly in that last 10 year window for individuals and couples. We have all of the benefits… much, much less cost. I like to say all the benefits and none of the pain, right?

So we can definitely do that. Make sure and request your quote, and then schedule a 10 minute talk with Tim and we’ll go over that and get him taken care of for this final year up to Medicare. And we can of course, help him once he hits Medicare.

So we’ll even be here for that. We don’t send them into the wild Medicare West after they have finished with our coverage here.

We have private plans that are not based on your income or how you file taxes.

We have plans with low deductibles and some have no deductible at all.

Yes, our health insurance plans are ‘open network’ where you can see any healthcare provider. Substantial discounts are available if you choose to see a provider who is a member of the network.

We have several options for covering medication needs. They don’t require meeting a deductible. If you’re currently taking medication, it can be covered and the cost substantially reduced.

The short answer is yes, as long as you start coverage prior to the pregnancy. There is 10-month waiting period before maternity expenses will be covered.

The health insurance plans we offer give you access to some of the largest healthcare networks in the country.

Many of our health insurance plans offer coverage, in spite of prior heath issues. Please discuss specific concerns with us, so we can evaluate your situation. Don’t make the mistake of assuming you won’t qualify for coverage.