Secure Coverage for Your Clients Before They Face Safety Concerns

June 13_safety

As an agent, you strive to help your clients feel protected. The recommendations that you make for insurance products helps to address present and future medical, dental, critical illness and other concerns while meeting budget and lifestyle needs. Your recommendations help to put them at ease as well as help them prioritize their health and safety, an ideal matter to consider during National Safety Month in June.

National Safety Month focuses on reducing leading causes of injury and death at work, on the road, and in our homes and communities.1 With the hashtag #KeepEachOtherSafe, the National Safety Council works throughout the month of June to promote the importance of identifying risks and keeping each other safe.

Some of the organization’s most salient statistics and tips are below:
  1. Falls are the most common cause of traumatic brain injuries, including concussions.2
  2. About 235,000 people over age 15 visit the emergency room each year due to a bathroom related-injury. 2
  3. 1 in 3 adults don’t get enough sleep and an estimated 37% of the U.S. workforce is sleep deprived.3
  4. Sleep deprivation has been shown to raise the risks of depression, obesity, and heart disease, and has an adverse effect on reproductive health. 3
  5. About 80% of the U.S. population will experience a back problem at some point in their lives, and 31 millions will experience low-back pain at any given time.4
  6. Making ergonomics part of your routine at work and at home can keep your body free of strain and pain. 4

As you meet with your clients on this month, consider the variety of insurance benefits as well as non-insurance features that can help them manage their safety and health with short-term medical or limited medical policies.

Preventive care: With short-term medical or limited medical policies, your clients who are looking for a temporary solution while in between coverage can have access to their choice of qualified physicians for general health screenings. This level of care can guide your clients to make changes that lead to healthier and safer lives.

Doctor visits: Also with short-term medical coverage, your clients can secure access to physicians for routine care and care to treat injuries. With limited medical coverage, they can take advantage of cash benefits that subsidize the costs of such visits.

Access to board-certified doctors 24/7/365: Your clients may find themselves in need of convenient digital access to a physician as they deal with pain, strain, or illness. Short-term medical and limited medical coverage can include benefits that allow doctors to consult with them via mobile and video and address such concerns.

Patient advocacy service: When your clients are facing health concerns, the last thing they want to worry about is navigating the world of healthcare. Short-term medical and limited medical coverage can include access to a patient advocacy service that can help your clients schedule appointments, find quality doctors and facilities, and lower out-of-pocket costs.

 

It is important to keep in mind, that while short-term and limited medical coverage do provide these benefits, neither one is intended to be a replacement nor an alternative to ACA or other major medical plans. These types of coverage do not provide the minimum essential health benefits that are required and will not help to avoid the fee for not carrying health insurance.

Celebrate National Safety Month by talking to your clients about coverage that can help them stay safe and healthy and includes these benefits!

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Health Insurance Innovations, Inc. is a leading developer and administrator of affordable, web-based individual health insurance plans and ancillary products. We help consumers address their health insurance needs by offering access to a number of products offered by various insurance carriers.

For agent use only – not for use with the general public

1 Source: National Safety Council. “June is National Safety Month” (http://www.nsc.org/act/events/Pages/national-safety-month.aspx)
2 Source: National Safety Council. “Safety Check: Stand Up to Falls” (http://www.nsc.org/NSCDocuments_Advocacy/NSM-2017-Public/Tip-Falls.pdf)
3 Source: National Safety Council. “Safety Check: Recharge to be in Charge” (http://www.nsc.org/NSCDocuments_Advocacy/NSM-2017-Public/tip-fatigue.pdf)
4 Source: National Safety Council. “Safety Check: Work Ergonomically” (http://www.nsc.org/NSCDocuments_Advocacy/NSM-2017-Public/tip-ergo.pdf)