No Subsidy, No Short Term, NO PROBLEM!

Lucas Zerbe

~

Training Director

Vero Beach Manager

Short Term Medical may not currently be an option but we all still have customers and prospects that do not receive subsidies. Allstate has substantially enhanced the Health Access Plan to provide these customers with an option that in many instances is better than short term medical or ACA plans!  This product may be both new and different but if you take the time to learn how to sell it both you and your clients will greatly benefit.

Real World Example:

A 55-year-old single male has had ACA coverage for the last several years because he is a 1099 subcontractor for his company. However, due to having an income of $115,000/yr., he only qualifies for a $37 premium subsidy. This made his premium $1,200/mo. and he only uses the plan to get his annual checkup. This was the situation brought to me by Jackie Thomas, a brand-new agent in the Vero Beach Office. Jackie attended the webinar last week and already knew the perfect product “Health Access”. She had taken the time to listen to the webinar and just needed a little help in putting together a quote. We sat down and put the quote below together. 

Customer Savings

This customer saves $480.68/mo. vs. an ACA plan for a total of $5,768.16/yr! In addition, he gets a national PPO network instead of a small HMO network.

Agent Commission

As you can see in the above example, the annual commission is $2,044.25 and Jackie will receive a 6-month advance of $1,022.12. That is a whole lot of ACA Sales!

Let’s Review Health Access Key Benefits

• Increased indemnity benefits + First Health PPO
• Permanent solution / Premiums do not increase for at least 3 years
• First dollar benefits – No deductible or co-insurance
• Low cost allows great ancillary bundling
• Instant Issue w/ next day effective dates
• High customer satisfaction
• Allstate – A household name and trusted Brand

Do not let this HUGE Opportunity pass you by any longer. Health Access is an Amazing new product that fills a big need in today’s insurance market.