In these financially difficult times companies are looking to cut costs, and health insurance is where most are doing it. Not offering company health insurance, or choosing to only cover the employee, is leaving many without insurance. The spouses, dependents, part-time employees and those in the waiting period to get insurance are being left without options. Employees that were laid off may obtain Cobra but when that comes to an end, they are uncertain as to what they can do.
CennairusOne understands the challenges of obtaining health insurance and wants to help these people and their families. We empower the member to shop for their own individual insurance online and in the privacy of their own home. We then offer counseling, if needed, by a licensed agent to walk them through the specific plan that would best suit their needs and budget. Price is always important and we are seeing many individuals obtaining insurance in the price range of $100-$150 per month. Obviously the prices vary depending on benefits, carrier and individual health conditions. The companies we work with are well-known national insurance carriers and not limited benefit plans like Cover Florida.
The Cover Florida plan has driven a lot of business to CennairusOne because consumers expect that Cover Florida is for everyone. The confusion is that the plan is not a complete medical plan. It is a limited benefit plan, meaning it will only cover certain benefits up to certain dollar amounts and will stop paying at $10,000 or $25,000. These plans are not for everyone and when we explain the Cover Florida plan is limited, we normally see a shift to an Individual health plan.
CennairusOne also offers a Prescription Drug Discount Program Card that can be printed online. It is FREE to join this program and can be used at 54,000 pharmacies whether you have insurance or not. The pharmacies use the Bin# and do not need a card, so a printed copy works well.
CennairusOne wants to help the uninsured and the underinsured nationally. Please take a moment and visit http://www.CennairusOne.com
By Chad Mitchell
CennairsOne President
Thursday, August 20, 2009
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