Sunflower Senior Solutions works to help find various insurance products

On this episode of the Post Podcast Sunflower Senior Solutions owner Courtney Dale shares information about their services.

Transcript:

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James Bell 

There's never a bad time to have your Medicare coverage evaluated Sunflower Senior Solutions owner Courtney Dale joins us to talk to us a little bit about that and more on this episode of the post podcast.

 

Courtney Dale 

So just a brief rundown of some of our Senior Solutions and what we do and who we are, we are an independent insurance brokerage. And when we started this out about seven or eight years ago, I think it's eight, I say, seven or eight, but I need to go back and double time flies. Time flies when you're having fun. What we do is specialize in Medicare. And so that's how we started and that is still our main focus of products. And so what that means is when somebody is going on to Medicare, we help with the education process, we show them where to go and what to do to enroll in their Part A and B. And then aside from that, we kind of take it from there and help them enrolling all of their supplemental insurance plans, which would be plan G's Plan F, Medicare Advantage Prescription plans, which is the Part D, dental, vision and hearing. So we take it from the point of once they enroll in their A and B we can help someone with every single plant they would need beyond that. What we've done over the years is diversified the products that we offer, and we it's basically just been on a demand basis. So if somebody asked, Hey, do you do this? Or can you help my wife with this? Or can you help my cousin with this? The more questions we get asked about certain products, we go out and we find a solution. So we've added on the Affordable Care Act plans and short term medical plans that sometimes is a huge thing to help someone bridge the gap with a spouse, if one is aging into Medicare, and one is not yet. So we do those. So we we do help people with health insurance that are under the age of 65 as well. We also in the last year have added on long term care. That has been something we've been asked about so many times over the years. And it's a huge growing need. Everyone wants to secure their space, if you will, as far as how am I going to pay for long term care expenses, there are really I'm not going to say inexpensive because that type of insurance is not cheap, but it's not as crazy as it once was. So we do offer some long term care solutions. We also have several different options for life insurance. And that means anything from an annuity to term life insurance to final expense, we offer all of those things. So basically, anything related to health and life insurance we can offer.

 

James Bell 

Wow, that's awesome. You know, I think when businesses like yours develop you, you've really had to Yeah, I think you kind of alluded to this, but you really had to do kind of grasp onto those things because people were asking and needing them. So those services, right?

 

Courtney Dale 

Right, right. So if somebody says, Hey, can you be and we're constantly adding on contracts, that's the beauty of being a broker. So we don't work for just one company, we work for all of the insurance companies. So if somebody says, Hey, why'd we we kept getting asked about long term care. So what we did is we went out and shopped and compared and found out who has the best long term care, and we contracted with those companies and added that product line on we also offer, we can we can get someone coverage in all 50 states, we are not contracted in all 50 states. But if somebody has this has happened, actually quite often. But if somebody has a, let's say, aunt, uncle, cousin sister that lives in Iowa, we can do one of two things. We have a huge network of agents that we can refer someone to we can find someone in that state or two, we simply just go out and get contracted in that state and write the business ourselves. So we do have solutions for pretty much everything. We work really hard at never having to tell someone, no, or I'm sorry, we can't help you. And we we are very, very, very rarely does it happen that we can't help someone with something.

 

James Bell 

That's awesome. That's awesome. And speaking of helping people, you know, we talked about this pretty regularly. When you know this time of year, you're there's not a lot of changes you can do to your regular plan. But if you have a supplemental plan, you can have that analyzed anytime. And you guys do that. Right?

 

Courtney Dale 

Right. So the thing that people don't realize, because there's such a huge emphasis and so much media about open enrollment and Annual Election Period, which is October 15 through December 7. Everyone thinks that that's the only time of year that you can change your plan that only applies to prescription plans, and Part C Medicare Advantage. But if you have a traditional Medicare Supplement whether that's the plan G or a Plan F, you can have that compared and you can actually change it at any time during the year. There are a couple of qualifications that you have to meet as far as health qualifications, but they are, you know, what you think is a major health issue to an insurance company probably isn't. So it is we do recommend that if you've had some rate increases, or you simply want to just save money on your monthly recurring payments that are going out, especially health insurance as a huge expense for pretty much everyone. Let us compare it costs nothing, there's no obligation. And like I said, you can switch those supplements around at any time during the year. A lot of things that people one thing that a lot of people do not understand about Medicare supplemental plans is that they are standardized coverage. So one insurance company can't offer more or better coverage. Plan G is Plan G is Plan G, it doesn't matter if you're with company ABC or company XYZ. If you have a Plan G, you all have the same coverage. So the deductibles the same coverage is the same. They're all accepted everywhere that Medicare is accepted. However, price varies greatly between the carriers and of course service. And we only want to work with companies that offer great service. But there's a good chance. I mean, we do this all the time. We switch people around all year long. And people save anywhere from 2030 bucks a month, we've saved people upwards of $100 a month, but you never know until you have it compared. Yeah,

 

James Bell  

absolutely. And you guys do that pretty regularly. And not only do you compare those plans, but you do workshops, so people can learn more about this, right?

 

Courtney Dale 

Right we have if you are in the listening area, there's a workshop near you. So get on our website. And check out our listing of events, dates, times locations, sunflower senior.com is going to have a full list of that. You can also schedule an appointment on our website. Again, that's sunflower senior.com. Or you can call our office 785301 to 716. Perfect,

 

James Bell 

Courtney, any other last thoughts or anything else you want to hit on before we go?

 

Courtney Dale 

Nope, I think that's it. James, of course. You know, everything we do is complimentary. We do not charge fees. I think everyone who listens to us on a regular basis knows that but just in case you're new, we do not charge anything and there's no obligation to have your plans looked at and compared.

 

James Bell 

Absolutely take advantage of it. Why not? Right. Right. Courtney, thanks. So

 

Courtney Dale 

normally, saving money is something we all want to do right now.

 

James Bell 

Absolutely. Absolutely. prices going up. Let's let's trim from the other side. Right