Month: July 2022

The Do’s & The Don’ts Of Benefits

Finding Insurance can be frustrating. With all the jargon and confusing requirements, consumers often end up with coverage they can’t even afford to use, but won’t realize until they are in the emergency room or leaving the doctors and peak at the bill. Worse, traditionally, insurance contracts are a year-long commitment. Locking you into your insurance for the entire year. Nothing is worse than an overpriced jail sentence leaving you scared to get sick. Whether you currently have the coverage you don’t love or are a recent addition to the roster after turning 26; we’ve broken down the do’s and don’ts when it comes to picking benefits:

Do- Ask Questions!

56% of people admit they’re completely lost when understanding their health insurance* Imagine you are purchasing a house or a car. You want those life pillar purchases to be well informed. So you hire an inspector or request a vehicle history report. When you buy insurance, whether, for a car or house or your health, you should use the same fine tooth comb in selecting your coverage because, like a car or a house, coverage is not one size fits all. You seek different needs in a home than your friends or peers and it is the same with your insurance. Not knowing where to start is OK. The confusion surrounding how insurance works sparked us to put Evan to work with a team. Ask Evan is not a salesperson. He is an educator the same way a home inspector isn’t trying to sell you a home but is there to help you know what lies between the walls. Ask Evan is available to help you read between the lines of the traditional industry jargon.

Don’t- Put off enrolling in life insurance. 

When we are healthy and young, it is easy to justify putting off life insurance. Especially with other pressing purchases to be made, but as we get older and our health becomes more and more at risk, the price of policies only gets higher. The life insurance policy you can get today will not be there when you’re five years older. 

Do- Protect all members of your family- AKA keep your furry friends healthy and happy. 

Nothing is better than coming home from a long day to an excited tail wagging. Our pets are dependable sources of love and cuddles (unless you’ve got a cat or a bird, but hey that’s on you), and we as their owners are their whole world. If there were a way for them to stay waiting for us at that door day in and day out forever, I know I’d be the first in line. Unfortunately, like us, pets get old or get hurt. When this happens, it’s not a question of if you want them better but whether you can afford the strain of treatment or surgery. Getting pet insurance is a proactive approach to your pet’s health. We can’t make them live forever, but we can give you a sense of security regarding their health protection. 

Don’t- Go without medical coverage.

No one is superhuman. Going without medical coverage is rolling the dice on your health. If the past few years have taught us anything, it should be that life can change in an absolute blink. To that point, life happens, and if you find yourself between jobs or on a new path, you can still get medical coverage. We have low-cost essential medical coverage available here.

Do- Shop for coverage using trusted sources like HealthEE by HBG. 

The HealthEE by HBG store is available to everyone, built by industry experts with decades of experience to provide access to coverage for all and education about that coverage. Whether you’re a freelancer, a part-time employee, or can’t make heads or tails of your employer-sponsored plan, HealthEE is a trusted resource for browsing and getting your questions answered. Our Ask Evan support team is full of real people, all with the goal of not selling you coverage but helping you understand your options and working through what will work best for your lifestyle. From cost to service to flexibility, our team has done the work, so you don’t have to.  

Coverage You Didn’t Know You Needed, Until Now…

Everyone knows the basics regarding insurance; typically, you’ve got medical, vision, and dental, which dominate most employer-sponsored coverage plans; however, there is lots of red tape and restrictions regarding coverage. You may think you are well protected, but read on to discover all the coverage options available to you and your family so you can rest easier;

For starters, it is never too early for life insurance. But unfortunately, nearly 50% of Americans don’t have any. This lack of life-insured Americans could be primarily due to typical 9-5 employer-sponsored plans excluding the option, but the longer you wait, the more you pay, and the less secure you leave your family.

For many, having a sense of home is quintessential to feeling safe, but our homes aren’t untouchable. You can face crushing repairs and replacement costs in a fire, break-in, or natural disaster. We know you would want your sense of home reinstated asap, and one way of ensuring such is to have a comprehensive but budget-friendly renters and home insurance policy. So if your home is where your heart is, don’t leave yours uninsured.

Our furry friends are one of the family. They eat with us, watch tv with us and unfortunately grow old. As they grow older, they, like us, are more vulnerable to sickness. Unexpected pet emergencies can strain your finances, especially if they require ongoing care. Be proactive and protect your pets so you and your family can enjoy their love for their entire lives.

Accidents happen, and we are all guilty of leaving something behind, whether it be a pair of sunglasses, AirPods, or our phone. Who among us hasn’t had to replace a bike, laptop, or tennis racket over a split-second fumble or left their phone after a mad dash out of an uber. When these mistakes occur, you can face high prices to replace your personal belongings. AKKO offers plans to ensure up to 25 items for just $15 a month, a steal compared to the high ticket of apple care or replacing items independently.

In today’s digital age, there are endless opportunities for your identity to become vulnerable. Whether you open an email from a supposed prince by mistake or a password becomes compromised, even the most careful among us are vulnerable. Identity theft requires an inconvenient, lengthy, and highly costly recovery process. For years to come, you may have tax and credit issues. In 2021 the average victim of identity fraud lost more than $1,000 per incident. Everyone with a digital footprint is at risk making identity protection a necessity that is more affordable than you think.

You never think you or your family will be in an accident or diagnosed with cancer until it is. When the unimaginable happens, the last thing anyone wants to think about is money, but when the medical bill starts rolling in, rest easy knowing you’ve got coverage that will take care of you and those you love.

Now that you know about these options why wait, browse these coverage options and more here.  

 

3 Common Life Insurance Myths

Did you know that only 31% of Americans say they are “very” or “extremely” knowledgeable regarding life insurance?* The insurance world can be overwhelming for many, but it doesn’t have to be. It is said that the truth can set you free, so today, we are freeing you by busting some of the most common myths surrounding life insurance. 

If you think, “I have group life through my work; I don’t need an individual policy.” I hate to rain on your parade, but this is a classic myth, group life often provides $20,000 or just a single year’s salary, which isn’t nearly enough to ensure your family has financial security when they need it most. On the other hand, an individual life insurance policy offers up to $2 million in coverage. In addition, policies start at just $9 a month, a bargain that will give your family a sense of stability knowing they are financially protected.

“I can always get life insurance later.” Another misinformed myth, as we get older, our health becomes increasingly more at risk leading to policies increasing in price. If you wait too long, your rate will be exceedingly higher than if you lock in a lower rate while you’re healthy.

“It’s too expensive,” You’re not alone in this train of thought; more than half of Americans overestimate the cost of life insurance by as much as three times a policy’s average rate*. However, individual life insurance is more affordable than you think.

Locking in your life insurance will save you and your family many headaches later down the line. So do your older self a favor and browse your options today, click here for a quote. 

*According to 2021 data from financial research firm LIMRA

We’ve Done The Work For You

A quick google search of insurance will produce a startling number of hits, all filled with confusing industry jargon. Many unable to break through the noise will purchase plans with too much or too little coverage. Having the wrong coverage doesn’t benefit anyone. Here at HBG, our team of experts are industry veterans that have seen it all and want to help you find benefits that do just that, benefit you. 

You may think your insurance options begin and end with your employer. However, we know how limiting this can be, our plans do not require employer sponsorship, meaning your coverage is yours and follows you in the event of a life change such as a job change or move within the country.

Our team has had decades of experience in the insurance industry and has curated an array of plans that are accessible and possible for everyday life. In addition, we have researched, reviewed, and vetted every carrier seeking the best value for our benefits, from cost to service to flexibility. As a result, we’ve taken insurance from a buzzword with 2,680,000,000 (and counting) search results to a user-friendly online store as easy to navigate as your favorite online retailers.

The Healthee by HBG expertise doesn’t stop with the online store itself. You can become an expert by utilizing our dedicated support team headed by Ask Evan, whose specialty is educating customers on their benefit options. The Ask Evan team is available to discuss plans that make sense for you and your family. So the next time you need to make a doctor’s appointment or have to order a prescription, you will do so with the confidence that what you need is covered and supported. Ask Evan your questions by text, phone, email, or virtual appointment. It’s never been easier to ask questions and educate yourself on your coverage.

Enjoy our hard work and expertise by browsing all our products here. We’ve got you covered. Whether you’re looking for medical plans, home, auto, supplemental coverage, or even device insurance, we’ve done the work for you.