Brian Thomas talks to the experts at Cover Cincy

Episode Transcript

(00:00):
Speaking on behalf of Cover Sinci andalso enjoying the program we do every Sunday,
eight am here fifty five KR theToxication, where I get to learn
so much more than I ever couldpossibly have hoped to know about medical insurance,
even though I did work as ana litigation attorney for Anthem for eight
years. You have blown my mindwith this different way of getting medical insurance,
and I'm so pleased to spread theword on it. Having your own

(00:23):
insurance broker like having a financial planner, someone who is fee base that's working
for you and your connection, yoursituation. It's not feebase, but the
people sitting in your office or talkingwith you about getting medical insurance are your
clients to whom you owe a fiduciaryobligation. And then you turn around and
behind you are like a couple onehundred different insurance companies with thousands of different

(00:44):
policy options. So you can pickand choose from among everything that's available and
come up with something perfect for theindividual, or their family or their business
as the case may be. Onesize does not fit all. Welcome back,
John Roman from Cover Sinci. It'salways a pleasure you're talking with you.
Thank you so much, Brian.Well, I mean, I don't
know how much I should say afterthat. That was a great opening for
me. Well, you know whenyou when they first approached me about talking,

(01:10):
you know, I had to understandthis because like most people, dude,
you know, I opened my annualenrollment thing. I got three choices
there, an HMO or whatever whatever, and it's all the same insurance company
on top, and they're different youknow, premiums. And you can save
doing this, but usually when you'resaving money by doing something, you are
sacrificing the coverage. You get upwith some five thousand dollars out of pocket

(01:33):
upfront liability before insurance even kicks in. You're like, what the hell do
I have medical insurance for I'm reasonablyhealthy. I rarely get through my entire
out of pocket liability before the calendaryear's over and I'm starting back from scratch.
I mean, that's that's just theway I think everyone's accustomed to seeing
health insurance right now. It's andit's almost like an epidemic, right It's
it's just such a strange situation tobe out there right now and then looking

(01:57):
at not being able to get carebecause like I don't. I can't afford
that five grand, So I'm gonnaI'm gonna wait a few days and see
if this goes away. Rather thangoing get into the actual medical treatment,
this could save your life. Soshow out tell my listeners in an abbreviated
form, given the constraints of time, and of course I'll tell them to
tune in on Sundays at eight,how this different way would work under that

(02:19):
scenario where you're not gonna have fourthousand, five thousand dollars worthout a poet.
Because we look Brian first and foremostat every single person's individualized situation.
So you could be a small businessowner, you can be just you and
your family. You can be youand your family and multiple employees. But
we will still look at every singleperson as an individual and take an account
what's going on with them, whatare they doing, what prescriptions around,

(02:39):
who's their doctors, and we willliterally build a plan designed specifically for them.
And my goal every time I talkto a client is making sure they
have access to first dollar coverage.That means have an insurance company that's paying
first. You don't want to bein a situation where you're just you paying
every single time you have to godo something right. If you're paying for
health insurance, I believe the insurancecompany should be paying something up front.

(03:01):
And that's why we build custom packages. And I say it all the time.
Yes, sometimes this with multiple insurancecompanies, because not every insurance company
they have a risk factor right,they only want to cover certain things exactly,
They don't want to cover everything.So if I can design one or
two or three companies and put themtogether, I can literally build you a
plan that not only will minimize yourfinancial risk at all, but in a

(03:22):
lot of cases we're actually seeing itwhere they actually put money in your pocket.
Yes, I know that my sonhas experienced that. It was My
favorite example is his first experience aftergetting insured through you, and he's a
healthy kid. He went to hisprimary care physician and got a physical and
ended up making money off of theproposition the physician build X, and he
got a reimbursement for more than Xby a couple one hundred dollars. He

(03:45):
sent him a check. Yeah,I mean it covered the premium forum for
the month. And it's not justbecause we're sitting up with the right package,
you know, we say we're expertsin health insurance, but we're also
experts in healthcare. I want toeducate you on healthcare. I want to
share with you the pitfalls. Iwant to share with you what things that
you can potentially run into in thefuture. They're going to cost you thousands
and not tens of thousands of dollarsin exposure. And we can do that

(04:08):
for you and show you how youcan shop healthcare, shop healthcare. And
then we will have to really emphasizethis because I think this is probably one
of the coolest components about it.You got coverage through John and the team
that covers Sincy. Once you're insured, you get any problems with the claim,
just call John and the team letthem handle it. Two hours on
the line with the insurance company isnever going to happen to you. You

(04:30):
got their team working for you andit doesn't cost extra. It comes along
with working with John and the teamthat covers since I think that is just
absolutely amazing because we want to keephis clients for lifetime. I mean we
say birth to death and everything inbetween. That's what we want to help
you ensure, you know, puttrust in one person that can be there
forever. I mean, the lastthing you want to do is have to
shop this and find trust in somebodyelse. Every year and we're like,
oh, my rate's got up.I got to go find somebody else to

(04:50):
go trust and try to find anotherbroker or another agent, another insurance company.
And right now, if you're thinkingit's too late, well I already
signed up. Open rollment's gone anddone with. You can still I'll get
in touch with John. He'll lookunder the hood of your policy, figure
out everything that's going on and finda better solution. Absolutely. So,
Yeah, our website cover since hedot com. You can go to or
just give us a call at fiveone three eight hundred two two fivey five.

(05:13):
That's eight hundred call five one threeeight hundred two two five five and
it's covered sincy either with a Yor I. And if you don't want
to call them up, there's aform right there on the website and they're
not going to sell your information toanybody. Will go no further than the
team at cover since he fill outthe form and get the ball rolling from
there. Any way you slice it. It's worth a few minutes of your
time to save massive quantities of money. And get upfront first dollar coverage.

(05:35):
I know you've never heard of thatbefore in medical insurance. Welcome to a
better way of doing it with cover. Sincy Litune in on Sunday eight o'clock.
You can hear more from John andme, just sort of facilitating the
conversation and always learning something really mindbogged like that in medical insurance. It's
eight fifty six folks stending from thePolton to tomorrow. Listen to bring him
acount. He was in for thefull hour. Hudson Into Institute, talking

(05:58):
energy policy or lack there of.Inside scooped with bright part new