Two weeks ago, I received a call from a financial advisor (CFP) who I knew during my early years in the business. She had heard through other advisors that I was the “go to guy” for health insurance and medicare related questions.
This advisor had been working with a medical doctor, attempting to help her with her health insurance needs. After spending some time preparing quotes and discussing benefits, she realized that her client needed special attention. Like many financial advisors, she did a very limited amount of health insurance business and only represented a few carriers. When this doctor peppered her with questions about networks, pre-existing conditions and benefits, she couldn’t adequately address her concerns and felt her client would be better served by an expert.
After receiving a call from the advisor explaining her predicament, I then called this doctor to pick up on things. I was able to quickly assess her situation, perform medical underwriting pre-screens, and zero in on her best options. Since she took two generic medications to control her blood pressure and cholesterol, she wasn’t thrilled with the idea of paying additional premium to cover these conditions. She was open to a higher deductible plan that would save her money. Without getting into the details, suffice it to say that we found a carrier and a plan that suited her needs perfectly.
The best part is that I was able to call her this morning (one week after she applied) and tell her that her application was approved with no exclusions and no rate-ups. I also called the financial advisor to share the good news and thank her again for the referral. I really enjoy making those phone calls and seeing my clients happy about the decisions they made.
