The Start Health team had the pleasure to interview Joshua Erickson, Utah Insurance Broker.
Joshua provides insightful commentary on the insurance marketplace and how Start Health benefits consumers more than the alternatives.
“Here’s some of the common things I hear,” says Joshua. “‘We hardly ever go to the doctor,” or, “We only go once a year for a checkup. No pre-existing conditions and no high-cost medications. We just want something there in case something big happens.'”
“Cue Start Health for comprehensive coverage regulated by the Department of Insurance. And as a cherry on top, it has HSA eligibility.”
“There’s an opportunity here to save some money. We take away some of those administrative functions, but you save a lot of money as a result. That’s one big key.”
“Cue in the HSA. You have the opportunity to fund an HSA year over year, and use that money if you have to to pay for medical expenses.”
“Our current healthcare setup is meant to help healthcare companies earn more money and hospital systems to charge the most they can. Those are the incentives. Start Health is helping you and your family get out of that and stop paying 400, 600, even 1600 percent more for the same procedure at one facility versus another. Those are real numbers as a broker I’ve seen.”
“So, if you don’t mind a little bit more work and preparation, and you’d like to have more control of your healthcare spend and your healthcare experience, give Start Health a shot.”
“My experience with Start Health has been very pleasant. Start Health arrived at an opportune time in the market to help people who healthcare.gov is not a good fit for, but they don’t want to be uninsured. It’s a totally different way to do insurance and healthcare and I’ve really liked it.”
Get Added Peace of Mind with Start Shield
Your Start Health base policy already provides comprehensive coverage on a fixed reimbursement schedule-typically 110-145% of Medicare rates. Once your deductible is met, Start Health covers 100% of eligible medical expenses up to our fixed reimbursement schedule. If your provider charges more than the reimbursement rate, you're responsible for the difference.
Start Shield helps when your provider charges more than your base policy covers, after the base policy's deductible has been met. It pays 80% of the extra costs above your base policy's reimbursement, until you reach your Max Out-of-Pocket:
- $8,000 for individuals
- $16,000 for families
Once you hit that limit, Start Shield covers 100% of any remaining costs beyond what your base policy pays. Start Shield only applies to in-network procedures and only after the base policy's deductible has been met. All emergency care is treated as in-network.
