In this episode, Tasha Riggs of HealthMarkets shares with us incredibly valuable information about healthcare insurance, medicare, long term care and MUCH more.
NOTE: As you read the article, please listen to the podcast above. The podcast is packed full valuable about healthcare insurance, medicare, long term care and IUL’s.
0:15 – 1:45 (Everyone) – Intros
1:45(Mike) – “Scott is going to manage this podcast, the ‘Coloradians’, Scott and Tasha, are going to talk about healtcare insurance.”
2:45(Scott) – “What is open enrollment?”
3:00 (Tasha) – “Open is a time period where you can take a look at all the major medical plans and select a plan for the next year.”
3:30 – 7:30 (Tasha) – TOO MANY GOOD POINTS TO LIST -> IMPORTANT INFORMATION ABOUT THE EXCHANGES, THE COLORADO EXCHANGE, OBAMACARE AND MUCH MORE …
7:30(Scott) – “When people get into their 50’s and 60’s, insurance probably gets expensive. They are not yet eligible for medicare. How can people navigate that?”
8:00 (Tasha) – “Again, those people are going to have use the exchange. Once they turn 65, they have to go on Medicare, but it’s not until people turn 65 until we start to see the claims go up …”
9:00 (Tasha) – “… It’s very complicated … Just because a doctor accepts Blue Cross Blue Shield from your work plan does not mean they will take your personal plan from Blue Cross Blue Shield.”
10:00 (Mike) – Telemarketers – What are all these crazy calls we get all day every day?
10:15 (Tasha) – “Unless they are asking you about your adjusted gross income, it’s a scam, it’s NOT real healthcare … if you read the fine print, it says ‘this is not a real health insurance plan’ … they are a form of healthcare, they are a discount plan …”
12:00 (Tasha) – “… Aflac and companies like that are supplemental, pay you money tax free money which I am in favor of … Health insurnace, when you think about it, does not pay you it pays the doctors so they will not go bankrupt …”
13:30 – 15:15 (Tasha/Scott) – Medicare Information – GREAT Information
15:15(Scott) – “What are your thoughts on Long Term Care insurance?”
15:30 (Tasha) – “Long term care are increasing rates … a lot of the carriers are no longer are closing their doors …”
16:15(Tasha) – “If you can be medically undwritten, I would build it around a life insurance policy … get a life insurance policy with critical illness rider … Long term care is a reimbursement, where in Life Insurance you get it and its not tagged for anything …”
18:00(Mike) – “I have ran some cases with the Securian Long Term Care IUL, what are your thoughts about that policy?”
18:15 (Tasha) – “I just got back from training from training for Minnesota Life (Securian), YES, those are the policies I recommend.”
19:15 (Tasha) – “Long term care, we are seeing people are living 3-5 years once they get on long term care …”
20:00 (Tasha) – “If you can be medically underwritten, life insurance is the way to go … If you can’t get medically underwritten, you probably need to go with an annuity …”
21:45 (Tasha) – “People don’t realize that they have to take time off to manage when someone passes, my mother had to take a year off to manage my uncle’s farm …”
22:30 (Mike) – “What would you recommend to a 25 year professional with some disposable income, to prepare for tomorrow?”
23:00 (Tasha) – “… I would recommend an IUL … I can’t LOSE money, I have a zero floor … A lot of IUL’s have a gain, 10-15% during the good times … I can take this money out – TAX FREE …”
26:30 (Mike) – “… Top 3 IUL’s Tasha – GO?”
27:00 (Tasha) – “Minnesota Life (Securian), Voya and Transamerica”
Tasha Riggs – Tasha is a licensed health, life and annuity agent/broker licensed and able to do business in most (all) 50 states. You can contact Tasha in Westminster, Colorado – 303-587-4521.
Scott Zweifel – Scott is a licensed life annuity and health insurance agent and broker, based in Loveland, Colorado. Scott is licensed to do business in Colorado and Michigan, with more states coming soon. He contracted with 20+ carriers, which helps him match client needs with the right carrier. Scott specializes in whole life, term life, and medicare insurance. You can reach Scott at email email@example.com, call or text him at 970.658.0047.
Michael Lucy – Michael is a licensed life/annuity agent and broker in Michigan and Colorado. Mike is contracted with 25+ carriers, and provides expert analysis to match every individual client to the right carrier. Mike specializes in whole life, term life and IUL’s (indexed universal life). You can email Mike at firstname.lastname@example.org, or reach him by phone or text at 734.288.8323.