New Product for Group Health Cases!!

[DBKuhnke]

Here's a way to offer an additional benefit, receive good commission, help your group client lower their experience, and provide the employees a significant benefit at low cost as a voluntary benefit. Check out this site to understand the product and give me a call if you are interested in offering to any of your cases. No need to sign up as a distributor but it's your choice. Experience so far is showing greater than 30% sign up on initial offer as voluntary benefit. This is a slam dunk with a cost of $30 per month per family with great benefits. http://myhealthnation.info/usa I look forward to talking with you.

 

[0b1kanobee]

You are probably gonna get slammed because this might need to be in the offers section but it looks like a good product to me. I'm going to send the information to a friend of mine who may be interested in talking to you.

 

[DBKuhnke]

Sorry I didn't know about an Offers section, I will check that out. It is a great product with what I believe are good legs. Give me a call sometime if you are interested in any further explanation.

 

[Ann H]

Where's Chumps from Oxford to see about Dingos eating babies? Butcher's aprons?

This guy has posted on several forums already. Enough yet?

 

[Josh]

David, when you registered there was a section that said "SPAMMERS STOP RIGHT HERE" or something to that affect. It was talking about you. My $0.02, ask the mods to delete your decision to ignore the rules.

On a separate, but related note, most of the folks here are going to dog on you really hard about that product because it's generally not considered anything other than snake oil.

Welcome to the forum!

 

[DBKuhnke]

Medi: Sorry you feel that way but I suppose everyone has an opinion. I've been creating, managing, selling insurance products for over 40 years and the only thing I'm sure of in today's market is that we are in flux. If Obamacare sticks constitutionally, the individual market is likely dead and we will all bow to the bureaucrats. In the group market any thinking employer will shift his benefits burden to the single payer in return for fixed cost certainty. In any event, the problem of access, fewer doctors in the primary care business, and resulting over utilization of ER and Urgent Care and associated cost is not being addressed. This concept deals with those issues head on and doesn't compete with insurance or even Obamacare but adds value to either.

 

[somarco]

Please explain why someone who has insurance, including a HDHP, needs your product.

 

[Josh]

Plus one for somarco's question and I'd like to add that I have not seen any appreciable problem with access to physicians, but I'm certain that is not why we see the wasteful utilization of ER and urgent care visits. The root problem there stems more from our being in the age of instant gratification and our overwhelming fear of a rolled ankle or the like being a life threatening medical condition that requires immediate attention from the most competent doctors. I'm being a bit facetious, but the utilization is not from physicians simply not being available.

I'm a fan of teledoc, but companies like IHC include that as an option on their plans and I'm not in the group health arena much, but I hardly think they'd be the only ones. Let's not forget that you're asking a customer for over $350/year to save a few copays if I'm understanding it correctly. Why wouldn't they just get an accident/critical illness plan instead?

 

[DBKuhnke]

The teledoc options come at a high cost in principally high end group plans. Lots of nurse consults are available but not the ability to actually talk to a doctor licensed in your state with the ability to write a script as he deems necessary. Access and costs are a big issue when your choices are ER, Urgent care or wait till tomorrow, call your doc's office and then go sit for hours. AMA says 87% of all primary care visits can be handled on the phone and now with the 2009 Federal Telemedicine Act in place the legalities are out of the way. Only in Oklahoma can a doctor not prescribe via a phone consult and that is being fixed in the legislature. I agree that on a purely individual basis it does require some consideration to sell but for group it saves money for the plan sponsor by reducing utilization and keeping his employees at work and for the employee it provides instant access at night, on the weekends, while on vaca, etc. I don't know about your plan but for a family the yearly costs are way offset by deductibles and co-pays. Finally, the benefit is fully 125 plan qualified so you are spending pretax dollars.

 

[somarco]

Many group plans offer 24 hour nurse hotlines. Seems a duplication of services . . . in spite of your rhetoric.