Austin Warner
Hi My Name is Austin I'm your one stop shop when it comes to finding Health Coverage. I know when trying to find the right plan can get difficult sometimes.
My job is to make this easy & simple for you. I look forward to serving you.
Text me for a quick quote 727-325-5747
see if you qualify for a $0 deductible & lower rates! Comprehensive Plans based on your health, instead of your income.
TEXT YOUR ZIP AND AGE FOR A QUICK QUOTE: (727) 325-5747
Austin Warner Welcome to my scheduling page. Please follow the instructions to add an event to my calendar.
www.quoteppo.com
FREE HEALTH INSURANCE QUOTE WITHOUT all the phone calls! I own this site which means I will be the ONLY sending you quotes! LET'S KEEP IT SIMPLE!
1-844-PPO-NOW-4
Custom Coverage Packaging Coverage for your unique needs!
OPEN ENROLLMENT 2021 | HEALTH INSURANCE | STARTED!
November 1st - December 15, 2020 - LOCK YOUR RATE IN!
Text or CALL NOW for for an appointment: 727-325-5747
Do you know the #1 reason why most Americans are in debt?
Yup... you guessed it MEDICAL BILLS!
Here are some examples of what to expect
$ COVID can get up to $75,000
$ Cancer and Chemotherapy for one day- $100,000
$ Allergic reaction can cost you $700 just for your visit.
What most insurance companies are not telling you is this,
Lifetime Maximum - meaning once you meet that number you are responsible for the rest and it’s very easy to rack up $1,000,000 in bills for a life threatening event
Max out of pocket - Once you satisfy a deductible the insurance company will cover X amount or 100 percent depending on the plan
So you can see how the medical bills can start adding up if you don’t have the right plan.
This is what I want to do for you, is a free policy review of your current plan to make sure you are in the best position possible and so you can have peace of mind that you are financially protected.
Send me a message or give me a call so I can understand your situation.
Austin Warner | Health Insurance Advisor
Call or Text @ 813-468-1384
Most people don't know what to ask for when looking for health covergae.
Here are 3 questions you need to know....
Austin Warner
Health Insurance Advisor
Call or Text for a Free Quote @ 813-468-1384
I have a few spots open on my calendar.
If you are looking for coverage and need someone to review your current plan or just to review all your options.
Set up a time for a free consultation. Talk to you soon.
BOOK A CALL https://calendly.com/insurancewithaustin
HMO,EPO, Muliplans
*** STOP***
PPO plans are the way to go.
My licesend allows me to shop all your options!
But my specialty is helping those who are getting ripped off, who are over paying, who don't qualify for subsides.
If this sounds like you and you feel like you are over paying reach out so we can review other options.
New plans have come out, saving people money and getting better covergae.
Austin Warner
813-468-1384
Health Insurance Advisor.
WHY YOU NEED A HEALTH INSURANCE ADVISOR
I get it... It's convenient to go on a website just to get a fast and easy quote. Problem is you probably won't fully understand what you are looking at.
Ask yourself, would you buy a house with out first speaking with a realtor? Would you invest your money without first speaking with a financial advisor?
The answer is...No. So why wouldn't you talk with a licensed healthcare advisor before choosing a health insurance policy?
That's what my job is. To make sure you know all your options and to educate you before you make a decision.
I look forward to helping you. Comment any questions or feel free to reach out for a FREE quote.
ARE YOUR DOCTORS IN NETWORK ?
Do you know what type of network is on your plan? HMO,EPO,POS, PPO ?
Well here is the difference so you know if you have a good network.
✅Preferred Provider Organizations PPO Network ( RECOMMENDED ) - PPOs give you the choice of getting care from in network or out-of-network providers. You pay less if you use providers that belong to the plan’s network. If you have a PPO plan, you can visit any doctor without getting a referral.
❌Point Of Service ( POS ) = If you have a POS plan, you’ll choose a primary doctor from a list of participating providers. Your primary doctor can refer you to other network providers when needed. you’ll also need a referral and you may pay higher out-of-pocket costs.
❌Health Maintenance Organization ( HMO ) HMOs usually limit coverage to care from providers who work for or contract with the HMO. An HMO generally won’t cover or has limited coverage for out-of-network care except in an emergency. If you use a doctor or facility that isn’t in the HMO’s network, you may have to pay the full cost of the services you get. HMO members usually have a primary care doctor and must get referrals to see specialists.
❌Exclusive Provider Organizations ( EPO ) - EPOs generally limit coverage to care from providers in the EPO’s network (except in an emergency).
DON'T GET BIT BY THE COBRA 🐍
What is COBRA ? I'm sure for those of you who were let go from a current employer have been offered this option for you and your family. And I'm sure you were shocked by the increase in your premium.
So if you have never been offered COBRA here is what you need to be cautious of.
COBRA gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events.
Qualified individuals may be required to pay the entire premium for coverage up to 102% of the cost to the plan.
So before you ever consider this option please make sure you speak with an Advisor to review your all your options in the state.
DON'T GET BIT BY THE COBRA🐍🐍
Do if you are someone who recently lost coverage through an employer and you were offer COBRA. Chances are you are paying ridiculous prices.
Don't be a victim to that, there are other solutions. If you need hep on know what other options are out there
That what my job is to educate Reach out any time
Like this Post if you think these are helpful and comment if you have questions.
HOW TO GET ON A MEDICALLY UNDERWRITTEN PLAN!
To make this super simple to understand. This is how to make sense of a medically underwriter plan.
You have two types of groups
1. Marketplace -Anybody and everybody can get on a plan with out any underwriting. So it doesn’t matter your health condition or even your financial situation...
Now why are your premiums going up if you don’t even go to the doctors or if you don’t qualify for government assistance?
Here’s why!
Since everyone can get on a marketplace plan ( Obamacare) you are basically paying for someone else’s surgery, drug alcohol rehab, and even pregnancy.
2. Private Market - so if you don’t qualify for subsidies and you are fairly healthy and don’t go to the doctors often. Then you are now in a pool of people like yourself. That’s why you can get lower premiums and even coverage that you actually need.
If you are on a market place plan and you think you are over paying. Feel free to reach out and I’ll do a free policy review.
THINK OF YOUR HEALTH COVERAGE LIKE CAR INSURANCE 🚗
I have a question for you! If you have a clean driving record but your neighbor has a few DUI, reckless driving. Do you think you should be paying the same type of coverage as them?
The Answer is NO! you should pay a lower premium if you are a safe driver with a clean record... RIGHT ?
It goes the same for your health coverage. If you are fairly healthy, don't you think you should get a preferred rate on your premiums? The answer again is... OF COURSE!
So if you are a fairly healthy and you are paying a high premium w/ a high deductible. The changes are you are over paying.
Don't be another victim....
Schedule for a free policy review to see if you qualify.
DO YOU KNOW WHAT YOU EVEN HAVE ?
To make this simple you need to make sure you have the best network available. So below are your network options. Which one do you have?
❌ Exclusive Provider Organization (EPO): A managed care plan where services are covered only if you use doctors, specialists, or hospitals in the plan’s network (except in an emergency).
❌ Health Maintenance Organization (HMO): A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.
❌ Point of Service (POS): A type of plan where you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans require you to get a referral from your primary care doctor in order to see a specialist.
✅ Preferred Provider Organization (PPO): A type of health plan where you pay less if you use providers in the plan’s network. You can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.
So out of looking at your options and if you already have coverage, make sure you have a PPO just so you have more options to choose from. And if you have any of the others you need to ask your self and I in a good position.
For a free policy review we can set up a time to talk so you are in the best position and you are aware of all your option.
Hello Friends, I want to give you one of this bags of cash every weekend.
Do you know any friends, family, self employed/ independent contractors or even small business owners who I can help save them money for their health coverage.
Please send me their contact info and or send them mine. I’m more than happy to send you money ASAP$$$$.
Hey everyone, I just wanted to make this quick video for you.
I know how frustrating trying to find the right health coverage for yourself, family or even for your employees can be.
I often get asked a lot “Austin I just don’t even know what type of plan I have or are there even cheaper options available in today’s market? “
The answer is YES.
My job is to make sure you are aware of everything available to make sure you are in the best position possible.
Comment your questions below and Share this if you think this will help someone you know. 👇👇
Hello everyone my name is Austin Warner. I’m a licensed health advisor. My job is to make sure you know all of your options in your state.
To make sure you have the most cost effective plan but also you have the best coverage. I review all your Marketplace options ( Obamacare ) to the Private Sectors.
My focus is to make sure my clients isn’t over paying for healthcare coverage.
Book and appointment now so we can review all your options and make sure you are in the best position.
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