Andy Neary’s Post

Spooky season is upon us and so is open enrollment, so it’s only right that I start a series to warn you about… The Horrors of Health Insurance! I couldn’t think of a better start than the very thing that’s probably already haunting you… CALL CENTERS 😱 It baffles me how anyone would buy from these, but still every year I hear from people who took the call, bought the plan and regretted it. At that point, it’s too late for me to help. We all wish buying health insurance was convenient or came with perks, but it should actually be a huge red flag for you if either of those are true. 🚩 One thing a call center is sure to do: over promise and under deliver. My advice: If you’re going to take the call from a health insurance call center, be prepared to ask “what’s the catch?” And above all, REMEMBER, once you purchase a plan during open enrollment, you’re locked in for a whole year. 🔓 Take a little time to work with an experienced broker like myself so you don’t spend a lot of time with regret. Jamie Weinstein is my name and looking out for you is my game. DM, email or call me at (305) 933-2282 to work with me today. 📲

As we start the final quarter of the year, it's time to pick health insurance plans for next year and plan future medical expenses (e.g., whether it makes sense to do things now or next year). So, here's a refreshed Paper Doll post from last year to help you understand everything there is to know about EOBs (those pesky Explanation of Benefits) — what they mean, how the numbers work, and how long you should keep the EOBs for your particular needs — so you can plan wisely. #napopro #professionalorganizer #medicalexpenses #medicalbills #EOBs #explanationofbenefits

Are you also making this mistake? One of my connections recently shared his story on LinkedIn. He bought a health insurance policy without disclosing his pre-existing condition. Later, when he needed to file a claim due to a severe heart condition, it was rejected because of non-disclosure. The cost of his treatment ended up being over ₹20 lakhs. Sadly, he could not fix the situation and had to bear the cost alone. Sadly, there was nothing he could do. This mistake often happens because people want to save on premiums or think their medical history doesn't matter. However, hiding past health conditions can lead to claim rejections when you need coverage the most. Remember, purchasing health insurance is crucial. But getting a policy without being honest about your health history is similar to having no coverage. Always be transparent about your health when buying insurance. This ensures your coverage is reliable and your claims are honored when you need them. Follow Amit Chhabra to stay updated with me. Reshare if you found this helpful.

Part of selling your products to others involves trying to figure out unique selling points that address a person's needs. We talked about an example recently related to mental health. When you're selling health insurance to someone, maybe you should talk more about the out of network mental health benefits: https://lnkd.in/gSmdG9VB

Today, I found myself on the phone—again—with my health insurance company. Back in February, I had rotator cuff surgery, and nine months later, the hospital and my insurance provider are still locked in a bureaucratic tug-of-war over a few thousand dollars. I have more than a passing interest in seeing this resolved, as a supplemental policy I hold will expire if this claim isn’t settled within 12 months. So, here I am, hours deep into calls, emails, and follow-ups, all with seemingly little progress. What makes it so frustrating isn’t just the broken system—it’s the complete lack of control. It’s time consuming, it’s exhausting, and it’s tempting to take that frustration out on the people I’m dealing with. But here’s the thing: every individual I’ve spoken with—whether at the hospital or the insurance company—is just another person, likely doing their best under their own set of pressures, challenges, and stresses. This week of Thanksgiving, I’m reminded of the power of patience and kindness, even when it’s inconvenient or when we’re not getting what we want. Especially then. It’s not easy. But when we choose patience, when we treat others with kindness even in the most frustrating moments, we create a ripple effect—a virtuous cycle. Systems don't change overnight. But people can—one interaction at a time.

# Star Health Insurance # Zonal Head Star Health Insurance # HR Star Health Insurance# Insurance companies, - SHAME FUL SERVICES It is about ‘Star Health Insurance’, disguising customers fooling them of ethical standards in the insurance world. It’s been 4 days trying to get our blood sample reports. As a policyholder, I’ve invested my time in making more than 53 calls to their ever-so-responsive Customer Care. Their consistent response? “We are sorry for the inconvenience. You have to wait for 72 hours.” Such a reassuring refrain!🥲 When it’s time for them to collect payments, their service is nothing short of exemplary. Phone numbers are readily shared, and assurances—though often empty—are handed out liberally. But once the payment is made and you need assistance, those phone numbers become unreachable, incorrect, or vanish entirely. What an impressive act! It’s truly astonishing how a company can uphold such double standards with unwavering confidence. If they can’t even provide a simple report, imagine the “assistance” they’ll offer in a real emergency. Kudos, Star Health Insurance! Your prompt attention to grievances is nothing short of shameful!

𝗪𝗵𝘆 𝗵𝗲𝗮𝗹𝘁𝗵 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗶𝘀 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝘂𝗿𝗴𝗲𝗻𝘁 𝗮𝗻𝗱 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗮𝗺𝗼𝗻𝗴 𝗮𝗹𝗹 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲𝘀 . . . Simple. Because it's the most sensitive among all insurances. You can get almost all insurances at any given time. You can even avail of health cards even if you have pre-existing conditions. But not 𝗛𝗘𝗔𝗟𝗧𝗛 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 - specifically Critical Illness Insurance One instance of illness or hospitalization can mean you're no longer eligible to get one - regardless of how much you are willing to pay. I've had clients whose applications were declined, even though they're fully healed from a previous condition I've had clients who were approved of all coverages EXCEPT health insurance because of a current condition I've had clients who never had the chance to apply because they are no longer insurable Many insurance advisors say... "get life insurance while you're young" But that's not the soundest advice. It should be... "get 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 while you have 𝗗𝗘𝗣𝗘𝗡𝗗𝗘𝗡𝗧𝗦" "and get 𝗛𝗘𝗔𝗟𝗧𝗛 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 while you're 𝗛𝗘𝗔𝗟𝗧𝗛𝗬" If you've been meaning to explore your health insurance options, type "𝗛𝗘𝗔𝗟𝗧𝗛" below and I'll personally get in touch 📩

Need to find health insurance? We’ve got tips and resources to help.

Everyone needs a health insurance agent they can trust 💛 Health insurance options are not something we were educated on in school. So when I first got my licenses, it opened my eyes to a whole world that I was never aware of. There are monthly premiums, deductibles, max out of pocket, network size, employer plans, public marketplace, medical sharing programs, supplements and private plans. Did you know there are plans with better coverage if you’re relatively healthy? Or tax write off benefits for business owners and self employed? I decided to not just be an agent that sells policies, but to actually educate and advise people. People tend to feel stuck, frustrated, overwhelmed or confused about their coverage and feel as though they are throwing money away. Does that sound familiar?  My goal is to listen and understand your pain points and see how I can improve your situation. I actually love helping people find the best plan option that will cover their needs at the lowest payout to them over the year(s), especially in the event that something bad happens.  Over time, through God, hard work and being ethical and transparent, I’ve been able to help thousands of people and have been blessed to call many of them clients. ❤️ If you made it to here and you would like a coverage review for your current plan compared to a private plan, a free quote or any general health insurance questions, please send me a message! 📩💌

𝗪𝗵𝘆 𝗵𝗲𝗮𝗹𝘁𝗵 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗶𝘀 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝘂𝗿𝗴𝗲𝗻𝘁 𝗮𝗻𝗱 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 𝗮𝗺𝗼𝗻𝗴 𝗮𝗹𝗹 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲𝘀 . . . Simple. Because it's the most sensitive among all insurances. You can get almost all insurances at any given time. You can even avail of health cards even if you have pre-existing conditions. But not 𝗛𝗘𝗔𝗟𝗧𝗛 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 - specifically Critical Illness Insurance One instance of illness or hospitalization can mean you're no longer eligible to get one - regardless of how much you are willing to pay. I've had clients whose applications were declined, even though they're fully healed from a previous condition I've had clients who were approved of all coverages EXCEPT health insurance because of a current condition I've had clients who never had the chance to apply because they are no longer insurable Many insurance advisors say... "get life insurance while you're young" But that's not the soundest advice. It should be... "get 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 while you have 𝗗𝗘𝗣𝗘𝗡𝗗𝗘𝗡𝗧𝗦" "and get 𝗛𝗘𝗔𝗟𝗧𝗛 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 while you're 𝗛𝗘𝗔𝗟𝗧𝗛𝗬" If you've been meaning to explore your health insurance options, type "𝗛𝗘𝗔𝗟𝗧𝗛" below and I'll personally get in touch 📩