ATTENTION: Self Employed Individuals & Those who Don’t Have Employer Provided Health Insurance
Want to Save up to 75% on Your Health Plan Premiums???
Our Plans Will Keep you From Handing a Big Chunk of Your Paycheck Over to a Health Insurer Every Month!!!
Access to healthcare costs a lot of money, and the rate of inflation for medical care consistently outpaces all other products and services. A lot of this money is devoted to advertising for profit-driven insurance and the constant pressure to keep Wall Street investors happy.
But, it’s not just the insane amount of pressure health insurers face to turn a good profit.
It’s also the big healthcare providers trying to negotiate with the insurance companies the highest pricing (for medical care) they can for their shareholders.
If an insurance company does negotiate good pricing with a local provider, that provider does everything they can to keep that information private, as long as they can. Knowing this could hurt their chances of negotiating a higher rate for next year, with other insurers.
These challenges explain why the Census Bureau reports the uninsured rate in the US rose from 8.6% in 2016 to 8.9% in 2018 and continues to increase.
So, how do you afford healthcare in a market where the average individual health insurance policy cost $574 a month and family coverage cost just over $1600 (2018)?
Before I answer that, let me introduce myself.
Hi, I’m Larry Medcalf.
I’m a health insurance agent based in Indiana with clients in all surrounding states and the Carolina’s. I have over fourteen years’ experience selling financial products (primarily life, mutual funds and health insurance) through the banking channel, and outside sales. I have a BS degree from Marian University in Human Resources and Business Management. and recently earned the Chartered Life Underwriter (CLU®) professional designation from The American College of Financial Services.
While I don’t know everything there is to know about health insurance, I know A LOT—especially when it comes to providing my customers with affordable coverage best suited for their individual needs.
That’s why I urge you to read this entire letter all the way to the end–what I’m about to tell you could keep you from throwing away your hard earned money, put more money in your pocket, and ultimately, keep you and your family safe and secure, both physically and financially.
The #1 thing to take charge of your healthcare spending
In the years I’ve spent researching the most cost-effective methods for managing healthcare risk of currently healthy individuals, I’ve learned that a large chuck of medical insurance cost is spent on a small percentage of unhealthy individuals, administrative expenses and website or broker commissions. PERIOD.
A quality health plan isn’t about flashy websites, agency commissions, or even a well-paid CEO. while all health plans are going to have some administrative cost, the focus of a well-run affordable plan should be on managing healthcare risk and cutting out as much of the administrative cost as possible.
There has been a huge increase in health insurance premiums since 2017. As rates increase, healthy people tend to leave the traditional insurance market, leaving a higher percentage of costly unhealthy individuals. This causes rates to increase even more and the cycle continues.
But where do you get a program with very little administrative expense and much lower than average pool of unhealthy individuals?
Well, if you’re like most self-insured individuals, you’ve probably turned to a large insurer or national line broker. You may have even glanced at a health sharing arrangement or two.
Unfortunately, with many health sharing organizations, you usually run into one of the following problems:
THEY HAVE NO OFFICIAL RECOGNITION
Though there are hundreds of peer to peer type health plans out there, there are only a few that are recognized by US health and human services at being compliant with the Affordable Care Act law. What’s more is that some are very new and have no track record of paying member’s bills, or worse have a track record of not paying member’s medical bills.
THEY LACK THE FUNDS AND EXPERIENCE
Anyone can start a peer to peer health sharing organization, they pop up everyday. ever since Obamacare was made law. But only a very few have decades of experience and a track record of paying member claims year over year. As stated, only a handful are recognized by health and human services.
THEY COST BIG BUCKS
Many of the peer to peer plans popping up recently are under the guise of a nonprofit program, but one way or another have found a way to turn profits under an administrative company they’ve setup. While most of these solutions are less than traditional health insurance, it’s often just enough to stay somewhat competitive.
So where does that leave you?
Feeling frustrated about the time and money you’re wasting on premiums year after year, like there’s no good way out.
Of course, you could always start your own peer to peer healthcare organization among friends and co-workers and some people have. These are usually referred to as self-insured P2P organizations…
However, that comes with its own set of problems:
GOT TIME FOR ALL THAT??
As an entrepreneur, contractor or other individual that pays for your own health insurance, your time is probably stretched thin enough as it is. Do you really have weeks, months, YEARS, to devote to starting a peer to peer medical share organization? Probably not. Worse still, every minute you spend working on this project is time away from your primary job—running your business or working on your career.
MORE IMPORTANTLY, GOT ENOUGH MONEY TO HOLD IN RESERVES??
It’s not enough to just learn how to put a program together and setup the inner workings. What if you have a major claim right at the beginning of your new plan? There’s been no time to accumulate assets and all members are searching for the funds to cover their fellow member’s high cost medical bill. Not a good start.
It’s depressing, because up until now, most people have only known of a few options:
To hire a broker or use online brokerage websites, you will likely get placed with a large insurer that either cost thousands of dollars a month or a cut rate limited benefit plan that pays very little when you actually need it.
To become self-insured, or you could do as just mentioned and form your own association peer 2 peer co-op plan and cross your fingers there are no major health issues with your members the first couple years, depleting funds.
There’s never been many really great healthcare options—an affordable, easy-to-use option that provides very low cost medical benefits.
Fortunately, I’ve got a solution that does exactly that.
Introducing my Health Sharing Plan Advisory Service
The Health Sharing Plans I work with are unique health care sharing ministries that do not require a representative from a church to sign an acknowledgement verifying church attendance or validation of medical needs being submitted to the membership for sharing..
· you’re not a church goer
· have a few medical conditions
· you don’t have a large budget
Just show your membership card when you go to the pharmacy, doctor or hospital. That’s all, the organization takes care of the rest. And I promise, you won’t find a better price anywhere.
But don’t just take my word for it.
Read what my Customers have to say:
“I didn’t think we could afford our own health plan, as we have always gone through our place of work. Larry helped us find what we needed at a price we could afford. I also appreciate that he follows up with us periodically to make sure we have what we need.”
–Bryan C., Greenwood, IN
Excellent, I give Larry an AAA+++ along with Sally. He was very knowledgeable and advised me in the direction I needed to go. I was able to get the health plan I needed along with a supplemental plan and my wife & I also acquired vision insurance. Larry and Sally have reached out since the initial purchasing to make sure that we were satisfied with our plans and to let us know that they are available if anything comes up that we need help with. I would Highly recommend using Larry as your Insurance Agent.”
–Ivan C., Jasper, IN
“Everything with Larry was fantastic! I give Larry an AAA+++ rating in every way! I very highly recommend anyone to use Larry Medcalf as your agent if a medical plan is needed! Larry is extremely knowledgeable in his field and he’s a great communicator that cuts through any confusion that many of us sometimes have pertaining to insurance policies and issues.”
–Timothy S., Indianapolis, IN
As you can see, our Customers have had great results.
You can too.
Imagine what it would be like to Save thousands of dollars a year in health insurance premiums and…
…avoid the profit focused corporate claims processors
…receive the best possible rate for services even before your member responsibility amount (aka deductible) is met (using the Multiplan nationwide network).
…Contact a doctor 24/7 at home or away and have any needed prescription sent to the nearest pharmacy.
…use 1 ID card for all your medical needs, telemedicine, prescriptions, hospital, urgent care, labs and your everyday doctor office visits.
…Save more money in the bank and afford those things your family needs and has been dreaming of.
You can easily accomplish all these things with the right Health Sharing Plan.
With Our Health Sharing Plans
Enjoy the peace of mind and financial security that comes from being a member of an organization with 10-20+ years of experience paying medical claims.
Anyone can start a healthcare sharing organization and since the passing of the Affordable Care Act many have. However, very few of these organizations are recognized by US Health and Human Services (HHS) and even fewer have a track record of paying medical claims of more than 3 years. Our organizations are recognized by HHS and have over 2 decades in claims paying experience with millions of dollars in assets. You can rest assured that our organizations pay all eligible claims.
Want to have more money for the things in life that really matter to you and your family?
Most of my clients are paying 1/3 of what they were paying in health insurance premiums.
Want the ability to consult with a doctor 24 hours a day, every day of the week, for $0 copay?
Call or video conference with a board-certified doctor 24/7 anywhere in the USA and have any needed prescription sent to the nearest pharmacy.
Would you enjoy paying a low flat rate for all your primary care office visits?
Most of our plans require you to pay just $35 of your family doctor and urgent care office charges.
With a Health Sharing Plan, you’ll get thousands of dollars in savings from insurance premiums and medical service charges, including: prescriptions, labs, diagnostic test, hospitals, midwife unit (some plans), urgent care centers, family/internal doctor’s, specialist and more.
Our members do not have to wait on other members to send individual checks for medical needs. Our members do not participate in subsidizing that continues to add to the rising costs associated with insurance companies. Our members are considered by the medical profession to be self-pay patients and typically enjoy lower costs before their individual responsibility amount (like deductibles) is met, than members of health insurance companies.
It’s as Easy as Showing Your Health Member ID Card
Because your time is limited, you need a healthcare solution that’s quick and easy-to-use.
We only work with organizations that have long positive track records and make claims processing super simple for our clients.
You don’t need to write checks, to help pay other members claims (something very common in the health sharing world).
You don’t need to file your claims when using the large Multiplan nationwide network.
You don’t even need to worry about what hospital you go to!
Anyone who can carry and show their member ID card can use our health sharing programs…simply apply for membership, pay your monthly contribution, show your member ID card and pay any required member responsibility share (if required) when you have a medical need.
WITH our Health Sharing Plans, YOU’LL GET:
· Low annual member responsibility amounts, starting at $500 with up to 2 million dollars in coverage for each family member
· 24/7 $0 cost doctor consultations
· Huge savings on office visits, prescriptions, labs, diagnostic test and other medical services before your member responsibility amount is met.
· Access to counseling services for both personal and work-related issues—24 hours a day, 7 days a week, 365 days a year.
· Discounts on dental, vision and hearing with Careington dental, Superior Vision and Epic Hearing network programs.
· The option to choose from more than 9,000 participating fitness centers and YMCAs with the Active & Fit Direct program for $25 a month
· Additional member discounts on alternative health, diabetic supplies and durable medical equipment.
· Member funeral sharing help (on most plans) that provides $5,000 to assist with a member’s funeral cost.
· Annual wellness visits and flu shots
· Pre-existing conditions covered (wait periods dependent on conditions)
Health Sharing is a Bargain
When you consider everything you get with one of my approved Health Sharing Plans…
—Low member responsibility amounts (MRA), up to 2 million dollars in Individual healthcare coverage, 24/7 doctor consultations, network repricing on medical services prior to MRA, counseling services, discounts on dental, hearing and vision services, low YMCA pricing, funeral sharing and annual wellness visits
…Our Health Sharing Plans are an incredible value Starting at just $105/monthly for an individual, $155/monthly for a couple and $205/monthly for a family! Plus, you pay NO EXTRA COST using my service. Some of these plans are only available through my partnership with these organizations.
If a 49 year old male in Johnson County Indiana enrolled in a public ACA Marketplace plan with a $1,000 deductible it would cost $736.01/ monthly with the lowest cost carrier in 2020. A comparable plan with us would cost $280/monthly. And higher out of pocket options start at $105.
With your membership, I’m also offering membership in my association, Medcard. With your Medcard membership you’ll receive corporate discounts on thousands of products and services, my Rx compare tool (to help you get the lowest cost on your Rx), manufactures assistance program help (you may qualify for free medications) and more.
Stop Handing Your Paycheck Over to Your Health Insurer Every Month
You’ve paid year over year for the unexpected, just to see your premiums go up every year. Stop throwing away your hard-earned income and start saving for the future. You need to be prepared for unexpected medical needs, but you don’t have to support an insurance companies’ shareholders to do it.
Starting at just $105/monthly for an individual, $155/monthly for a couple and $205/monthly for a family., you’ll get:
–Low member responsibility amounts (MRA), up to 2 million dollars in Individual healthcare coverage, 24/7 doctor consultations, network repricing on medical services prior to MRA, counseling services, discounts on dental, hearing and vision services, low YMCA pricing, funeral sharing and annual wellness visits
–you’ll receive corporate discounts on thousands of products and services, my Rx compare tool (to help you get the lowest cost on your Rx), manufactures assistance program help (you may qualify for free medications) and more.
Setup a Time to Talk or Meet Now
*Choose Individual Under 65 Consultation
Just click on the link above to schedule your appointment now, and you’ll be taken to our Facebook scheduling page to set a time.
THIS MAY BE THE MOST IMPORTANT
DECISION YOU EVER MAKE
Even after everything you’re read about our Health Sharing Plans, you may still be on the fence.
At this point, you can go in 1 of 2 directions.
You can set an appointment and consider trying a Health Sharing Plan Starting at just $105/monthly for an individual, $155/monthly for a couple and $205/monthly for a family..
During your appointment, we’ll review your healthcare needs, doctor’s you go to, any medications you use and what your ideal plan would do for you.
You can ignore this offer and continue…
• paying big bucks to insurance companies every month
• being confined to a network of doctors and hospitals
• paying high deductibles and co-insurance
• wondering what you could have done with the extra money you would have saved
• paying for extras like telemedicine, final expense, dental, vision and hearing discounts.
The choice is clear.
That’s why I urge you to set a time to talk today.
Setup a Time to Talk or Meet Now
Book Your Appointment on Facebook Today! (CLICK HERE)
**New memberships are effective on the 1st of the month and must be applied for on or before the 25th of the prior month. *Choose Individual Under 65 Consultation When Booking Appointment on Facebook.
Healthcare Benefits Advisor and Owner of Indyhealthagent.com
WANT TO LEARN MORE?
PREFER TO TALK BRIEFLY BEFORE SETTING AN APPOINTMENT?
CALL/TEXT ME AT 317-514-8696
What is Health Sharing?
Access to healthcare costs a lot of money. A lot of this money goes through profit-driven insurance companies. The health insurance industry is very profitable with a wide range of plans offered by a wider range of companies. Do you feel like you are handing over a significant proportion of your paycheck to insurance companies? You can consider healthshares as an alternative to traditional health insurance.
So What are Healthshare Plans?
A Healthshare plan is a membership offered by an organization, usually of like minded members. There is usually a commun purse (escrow account) that monthly payments are deposited into. The common purse is dedicated towards medical bills of all the members. Thus, when a member falls ill or has a medical expense, the bill can be paid with the funds pooled from the regular contributions of members.
Not Sure What Type of Healthcare Plan is Right For You & Your Family?
Use our Virtual Agent tool to help determine if a Health Sharing plan or something else is best for your situation. Answer a few short questions to get your results now. Then you can call or text me at 317-296-8881 for help in choosing the right plan.
A few Popular Healthshares Compared:
Health sharing isn’t for everyone. There are those that have serious medical issues that can’t wait a year or two for pre-existing conditions to be covered. Unfortunately, the only good options for these people are group employee coverage and individual ACA Marketplace coverage. Both of these options have to cover pre-existing conditions by-law, from day 1. But if you don’t have major medical conditions, why are you paying to have these preexisting conditions covered now?
The problem is I was in a policy that provided benefits I just didn't need. We were both in pretty good health and I knew a big chunk of the cost I was paying was for pre-existing coverage. Pre-existing conditions we didn't have. A fellow agent told me to look into health sharing.
I learned that health sharing between organizations can be very different. Some have member's write checks to other member's to help with their medical needs. However, most health sharing plans have member's make monthly contributions that are paid into one central account. Then when you go to the doctor or are in the hospital you show your ID card and the provider bills the organization, just like my health insurance policy. I also learned that some organization's had in in business for over 20 years.
We decided what we wanted was a program that had a long history of doing this and that took care of payments for us. None of this writing checks to different people stuff.
In the end we were paying about 1/4 of what I was paying on the public exchange and had better coverage for our own particular situation. From that point on I decided that if it was in my customers best interest I was going to start researching health shares as a possible solution to my customers needs & since than that's what I've done.
I have had customers save a couple hundred dollars and I've had large families save over $15,000 a year. It's not for everyone, but it certainly deserves to be included in the options to research.