Educate clients on the value of health applications
Many brokers report group clients are reluctant to fill out health applications.
This means groups don’t understand the real value a broker can provide by knowing the group’s specific health.
Educate your clients on the value
Unfortunately, group clients have been trained that all a broker needs in order to provide quotes is a census.
An eHealthApp broker was once asked, “Aren’t you all effectively the same anyway?”
Part of being a valuable broker is re-educating group clients on how a true and professional broker or consultant takes care of their clients.
A true and professional broker will collect health information to understand the specific needs of a group, just like a doctor or a financial advisor would.
If a broker is not collecting health data on the employees, they aren’t doing their job.
Clients reluctant to fill out health apps? Try this.
Group Health insurance is one of the most expensive line items for many companies, yet the client cannot do their own analysis – they need someone on the outside.
Ask your group or prospective client …
How much are you spending on group health insurance annually?
Let’s say a group of 20 people pays $420 / month… This is $100,800 annually.
How much effort and analysis are you willing to put into the evaluation process on something that costs ~$100,000 annually?
What if there was a possibility of purchasing a better product that cost $70,000?
If 20 employees can complete their application in 15 minutes, the entire company spends a total of 5 hours.
Is 5 hours per year worth a potential annual savings of $30,000?
Employers concerned about legality of health apps?
Employers can mandate employees to complete health applications.
Refer to page 4 on the Department of Labor’s FAQs on HIPAA Portability and Nondiscrimination Requirements for Workers.
Employees concerned about privacy on eHealthApp?
eHealthApp is HIPAA compliant.
NO ONE in the group (HR, manager, CEO, etc.) will be able to see the employees’ individual applications.
The broker may be able to see the individual applications depending on the broker’s eHealthApp plan level. Since it is the job of the licensed brokers to be able to find the best fit health plan for their clients, the brokers are legally allowed to see the health information.
Educate your clients on the value of collecting health data and produce an increased willingness to fill out health applications.
Educate clients on the value of health applications Many brokers report group clients are reluctant to fill out health applications. This means groups don’t understand the real value a broker can provide by knowing the group’s specific health. Educate your clients on the value Unfortunately, group clients have been trained that all a broker needs in
Health Applications To collect or not to collect? Many brokers think collecting health applications is a necessary evil. Health applications are an asset and required to be a true consultant. Health applications are required to be a true consultant As with any professional consultant or advisor, there is a lot of rigor when it comes