Health insurance is confusing. Plan types, deductibles, networks and the max out of pocket can leave anyone unsure of what they are buying. That confusion costs the most when something goes wrong. In this video, Rick Moose of 316 Health Insurance shows what it looks like to have a guide on your side.
Rick is an advisor at 316 Health Insurance in Wichita, KS. Before this job, he was a music teacher. His favorite parts of teaching were educating people and connecting with them.
He says this work lets him do both every day, in an area of people's lives he never thought could be so impactful. That is why he says he really wants to help people.
Rick tells the story of a couple he sat down with very recently. The husband had been through several major health events within about a week. He could no longer work.
Their insurance and its max out of pocket left them about $9,000 in the hole. Nobody plans for a week like that, and the cost of it can be hard to see until the bills arrive.
Rick met with the couple to figure out their insurance for the following year. That is a good reminder of why the end of the year matters. It is when many people review their coverage and decide what comes next.
Together they put together a situation that included a plan costing them very little each month. The plan also had a max out of pocket that Rick describes as exceptionally manageable, considering everything they were facing.
The couple did not need more jargon. They needed someone to explain their options in plain terms and match them to their real situation. That is the teacher in Rick coming through, and it is how 316 Health Insurance works.
The right choice looks different for everyone. 316 Health Insurance helps with:
316 Health Insurance serves people in Wichita, KS and Tulsa, OK. Whether you are comparing options for next year, facing a change in your health or your work, or just trying to make sense of it all, you can talk with an advisor who will walk you through it.
As Rick puts it, that is why he loves his job. To talk through your own situation, call (316) 282-3440 or visit the contact page.
The max out of pocket affects how much you could owe if you have serious health events. In the story Rick Moose shares, a couple's max out of pocket left them about $9,000 in the hole after several major health events in about a week. Looking at it closely when you pick a plan can help you avoid a surprise like that.
The end of the year is a good time to look at your coverage for the following year, especially if your health or work situation has changed. In the video, Rick sat down with a couple to figure out their insurance for the following year after the husband could no longer work. Reviewing your options lets you look for a plan that fits your monthly budget and your potential costs.
316 Health Insurance advisors like Rick Moose explain your options in plain language and help match you to a plan that fits your situation. Rick helped one couple find a plan that cost them very little monthly and had a manageable max out of pocket. The team helps with Medicare, ACA Marketplace, family, small group, self-employed, and COBRA and turning 26 coverage.
Call 316 Health Insurance at (316) 282-3440 or visit /contact to book a time or ask for a quote. The team serves Wichita, KS and Tulsa, OK. An advisor will talk through your situation and help you understand your options.
My name is Rick Moose and I'm an advisor at 316 Health Insurance. So the reason I'm here is because I really want to help people. I used to be a music teacher and my favorite things about teaching are the educating and the connecting with people and this job gives me an opportunity to do that on a daily basis in an area of people's lives that I never thought could be so impactful. So very recently I sat down with a couple of clients who were in a tough spot.
The husband had been through several major health events all within about the span of a week, could no longer work, and their insurance with their max out of pocket left them about $9,000 in the hole. And as I sat down with them to figure out their insurance for the following year, I was able to help them come up with a situation that included a plan that not only cost them very little monthly but also gave them a max out of pocket that was exceptionally manageable considering their situation. And that's why I love my job here at 316 Health Insurance.
Talk to a real person.