No matter how many years of experience you have as a health insurance consultant, you’ll need one major thing to achieve the success you’re really after: health benefit products and services that both you and your customers can believe in. United Advantage Agency provides plan options and packages that essentially sell themselves. Quality products. Quality service. And savings they won’t find anywhere else, which makes your job as a health insurance consultant that much easier and more lucrative.
With our plan options, you’ll gain easier access to small business owners in need of health benefits for their employees all while featuring a program that’s not available anywhere else.
PPO Networks with Integrated Pharmaceutical Savings
Offer your customers the ability to choose from several PPO networks. UAA uses the largest Cigna network in the nation as well as First Health, Cofinity, and Mississippi Physicians Network. In addition to choosing their own PPO, they will enjoy additional cost savings through Pharmacy Benefit Manager (PBM), Welldyne, reducing their cost on pharmaceutical drugs.
Ability to Switch to Reference Based Reimbursement
Reference-based reimbursement (RBR) plans are the way of the future. At UAA, our RBR health benefit plans work exclusively with Advanced Medical Pricing Solutions (AMPS). AMPS helps combat the rising cost of healthcare by paying hospitals what is fair and reasonable for their services, rather than your customer or their employees getting stuck with unjustly high medical bills.
Utilizing RBR through AMPS will allow your customer’s plan to generate significant discounts, over and above what they would experience with a PPO. RBR plans also don’t require your customers to go to a specific doctor, so they have the freedom in staying with who they prefer, which is a strong selling point for you as their health insurance consultant.
Rx Valet Offers Even More Savings on Prescription Drug Costs for Your Customers and Their Employees
Available on top of Welldyne with PPO plans and the prescription coverage provider for Reference-Based Reimbursement plans, Rx Valet offers even bigger discounts on prescription drugs with savings that both your small business owner customer and their employees will benefit from.
In addition to reduced prescription drug costs, by utilizing Rx Valet, many out-of-pocket expenses for medications cost even less than what the employee’s copay is. For drugs that are over $200 and aren’t covered by the plan or require a deductible, Rx Valet has a pharmaceutical assistance program where they’ll enroll the employees for free to help get them a reduced cost for their prescription drugs.
Telemedicine Through 1800MD Eliminates Their Copay
1800MD is a telemedicine service that allows employees to speak with a doctor over the phone, receive a diagnosis, and obtain their prescription without paying a copay. 1800MD is fully integrated with Rx Valet, so the prescription immediately gets additional savings applied. 1800MD is beneficial because:
- Telemedicine service is FREE. No copay required.
- Your customer and their employees only pay for their prescription, which thanks to Rx Valet is often less than what their copay would’ve been.
- 1800MD can be utilized with PPO or Reference-Based Reimbursement plans.
Your Customers Can Manage Their Health Benefits Plan in Real-Time with ABMS
As Third Party Administrator, Advanced Benefit Management Systems (ABMS) offers your customers 24/7 real-time data of their claims, claims history, and claims fund to see how the plan is being utilized. ABMS also assists employees in understanding their co-pays, deductibles, out-of-pocket costs, and how to maximize the value of their health benefit plan. This allows for better plan utilization, resulting in lower costs down the road, and better renewal opportunities.
The products and plan features that UAA offers far exceed what is available on the market today. No one else is offering this level of integration in the health benefits sector, and it’s because of the integration of our unique health benefits program that you will be more easily able to make the sale. Not to mention, our plans offer a much lower premium equivalency than most other employer health benefit plans, so when it comes time for your client’s policy to renew, they’re more likely to stay with you because our program allows for lower renewal rates than the industry trend.
Become a health insurance consultant with United Advantage Agency today, and start achieving the financial successes you’ve been after.