Please read this full page first. Then proceed to click “Get Quote” toward the bottom of the page.
If you are shopping for HEALTH INSURANCE ask salespeople if they offer Actual Insurance. If not, it may only be a “Health Plan” or “Indemnity plan” which may have very limited benefits. Be sure to ask!
Actually Save 50% Or More & Freedom From Doctor Network!
Yes, you actually can save 50% or more! PIVOT Health has become very popular with a lot of real estate agents we work with nationwide. You won’t believe how great their rates are! You can also see any doctor in the continental U.S.A. This way you never have to worry about looking for a doctor that accepts your insurance especially when you travel from home( DELUXE & CHOICE Plans)! Have the doctor bill the insurance company. The insurance company will pay their portion (if it’s something covered) then they’ll send you an EOB (Explanation Of Benefits) with your portion to pay. They also have plans that use the CIGNA (EPIC BASE) and the First Health Network (CORE)! Some of the plans with a network give you full benefits out-of-network (CORE). (Read each brochure carefully!)
On rare occasions, you may encounter a doctor’s office that may claim they don’t accept PIVOT (DELUXE & CHOICE). They don’t have to accept it. The insurance company just needs the bill. Kindly ask the doctor’s office for the pertinent information to submit the bill yourself.
PIVOT Health is one of our favorite companies because they offer incredibly flexible deductible, coinsurance and policy limit options to get your rates way down!
The two plans we recommend starting with are; PIVOT DELUXE and PIVOT EPIC BASE. You can fully customize each plan to your budget and needs. PIVOT EPIC BASE will save you more money. Deluxe has some more perks. Look at both in comparison on their website and see which plan works best for you!
Yes, you put your info in correctly the rates are actually that low!
If you have trouble making a decision, please make an appointment to speak with one of our agents.
Super Flexible Deductible & Coinsurance Options!
Obviously, the higher you feel comfortable with a deductible and co-insurance (Max-out-of -pocket) the lower your monthly premium rate will be. Keep in mind, that we can’t emphasize enough, the need for a supplement to cover your deductible/ Max Out of pocket. When you are most likely to hit your deductible/ max out of pocket the supplement can cover you until your health insurance starts to pay. The price of a supplement is MUCH less than the LARGE amount you save by going with a higher deductible.
This way you pay less and still have strong coverage by mitigating most of the financial risk!
Term Lengths Up To 36 Months!
PIVOT Health offer term lengths from 3 months to 36 months! (Depending on the state)
“ACA” “Market Place” and “Obama Care” plans are one term year at a time.
This causes a bit of confusion. Why is a 36-month plan considered a “Short Term Medical (STM)” plan?
We believe it’s because they were originally designed to cover people in between coverages needing another option. If the coverage is good for you and costs a lot less, then staying on an STM plan may make sense and you can capitalize on this. The caveat is that some states have regulations that you can only be on one carrier for a set period of time and then must switch to another. You can usually go right back to the original company so if you have two good insurance companies you can just go back and forth saving a lot of money.
IMPORTANT: In some states, Carriers are only allowed to offer only 3 to 6 months of Short Term Medical (STM) coverage at a time. For example, you can have United for 6 months then PIVOT for 6 months then back to United.
Please don’t be upset with the Carriers or us. We don’t make the laws!
Every state has different regulations so make sure you know the length of the plan you are purchasing. Remember, YOU MAY have to switch to another carrier for a period of time and then back again. A little extra work but is usually worth it! Or, you can go on an “ACA” “Market Place Plan” but only during “Open Enrollment!” (Historically November 1st- December 15th for much of the country) Please check your local laws for the current and future Open Enrollment periods.
Because of the popularity of STM plans, they have evolved. Insurance companies have been adding features, making them more robust, to incentivize people to stay on their plans. This works out well for you.
Most of the Real Estate Agents we work with fall into this category qualify, and can greatly benefit from STM plans.
Keep in mind: Many people won’t qualify for STM plans or have preexisting conditions which only “ACA” Market Place” compliant plans will cover. We can help you decide what works for you!
Cover your financial responsibility with a supplement!
You can safely go with a higher deductible and coinsurance/ Max out of pocket, to lower your premium if done properly. Use a supplement that covers your deductible and coinsurance/ max out of pocket when you are most likely to meet it. Use statistics in your favor!
Make sure you pair your plan with a supplement that covers the total amount of your out-of-pocket responsibility, especially if you go with a higher deductible plan.
PIVOT Health’s supplement “Lattitude Preferred” will cover up to $5k of your responsibility. You can add that supplement while picking your plan.
Another option is to cover almost all of your responsibility with Allstates’ s TrioMED / Plan Enhancer supplement because it can cover up to $30k!
After you sign up for PIVOT Health, get a TrioMED / Plan Enhancer supplement equal to or close to your total responsibility.
(In most cases/ Not ACA)
Supplement should = Max out of pocket (when the deductible is included) Ex: PIVOT health
Do You Need An RX Discount Or RX Insurance Plan?
In many cases, you can easily save $900 to $1,800 per year by NOT purchasing a prescription plan!
A prescription plan is usually between about $75 and up to almost $350 per month. That’s between $900.00 and $4,300 a year!
PLUS, you still may have a copay AND the plan may only pay a limited maximum set by the terms of the plan. In many cases, they will only pay half!
Make sure to get RX discounts when picking your health insurance plan. They may actually be included in some plans! (Check plan details!)
RX discounts are not the same as prescription plans. They will get you discounts on medications; not cover them.
We are looking to save you the most money possible. It is recommended to get an RX plan if you are already on certain expensive medications (that are listed as covered) or are expected to be on one. If your expected cost of medication is going to be less than the plan itself you are losing money.
PRAM is the Prescription insurance plan we recommend when needed. They have a drug look-up to see if the medication you need is covered. Click the PRAM logo below to see if your medication is covered!
If the time occurs that you end up needing a medication, that is on the expensive side, we can usually find deep discounts by using www.GoodRX.com. There are discount coupons available on their site. (We are not affiliated with GoodRX in any way. We just think they are great!
You can also find great discounts by using www.singlecare.com. (We are not affiliated with SingleCare in any way)
If that doesn’t bring the medication’s cost down to an obtainable price, then we highly recommend www.prescriptionhope.com They will often be able to get you medications for only $50.00 per month!!! (We are not affiliated with them but recommended them a lot)
Dental & Vision Coverage
In states where Brilliant Smile Dental is not available, we highly recommend the company AMERITAS to pair with PIVOT Health insurance. In the states, Brilliant Smile is available you may still want to consider AMERITAS instead. We have gotten great feedback on their plans for years. Most dentists accept it as well. Look at the benefits in your specific state. If you wear glasses or contacts, you’ll be very happy. If you take care of your teeth the way dentists recommend, it’ll be worth it!
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Or email team@insurance4agents.com