Get Rid Of High Deductible and Copay Problems Once

 

Too many Americans are foregoing health care because of HIGH DEDUCTIBLES and COPAYS on their health plans.

Most health plans have 5 areas of importance:

1)    Premium

2)   Deductibles

3)   Copays

4)   Max out of pocket

5)   Doctor Network

Unfortunately, most people only look at the premium and maybe the doctor network but never look at the SUMMARY OF BENEFITS (SOB). This is where the rubber meets the road on all health plans. And people forget about it until they need to use their insurance.

THAT’S WHEN THE FINE PRINT COMES UP TO BITE THEM

 

See, they never looked at the SOB to find out the plan will pay nothing until they reach that high deductible they picked because the premium was the lowest.

I have the solution for you. It’s Two-Pronged and takes very little effort on your part.

 

1)    I will research all the plans and different levels to go over the entire Summary of Benefits to see which one offers the best options for the money.

2)   Then I will explore GAP plans to pay the big deductibles and copays directly to you.

It’s important to remember that lab work and x rays from in-network providers will have a reduced price so even if you must make payments, you will be able to get the care you need. But for the big stuff like outpatient surgery or an inpatient hospital stay our GAP plan will pay you the funds needed to cover your deductibles. You may even have money left over so you can get a second opinion or take a few extra days off work.

This is why using a professional who understands the market and all the fine print is so important.

 

 

INSURANCE IS THERE FOR YOU ON THE WORST DAY OF YOUR LIFE

 

 

Call me to schedule your evaluation and to see which plans and GAP options are available for you.

 

I can be reached at

Office 706-223-3677

Cell 941-716-2597

Email pauljdacosta@gmail.com

www.pauljdacosta.com

 

PS: Waiting till you need to use it may be too late. Call now to schedule a no obligation appointment and let’s see how we can improve your health plan so when you need it, on the worse day of your life, paying for it will be one less thing you and your family need to worry about.

 

Small Business Owners Are Still Struggling To Keep and Hire Quality Employees…

 

I hear this all the time from my fellow small-business owners: “I can’t hire new employees who want to work or even show up. And my Group health insurance costs keep going up and I cannot afford to keep this up!”

“I lost two employees to my competition over $ 1.00 per hour more pay and better benefits. I was wondering how they are doing it and staying competitive? And how are they making a profit?”

I am in the insurance business and still struggle, like you, to offer good benefits to my employees and to hire new quality employees. But after hours of research, I found the key to our problem.

It turns out one of the companies I represent has been helping small-business owners, like us, save 30 to 40% on our group insurance plans and offering individual group plans to employees saving them $100’s of dollars a month and some even more. These plans are national, well-known plans with no benefit maximum and for which everyone qualifies.

And with the dollars we saved we now offer better benefits like dental, eye and cancer care that we pay for and still save a ton of money.

I have attached a brochure for you to review. Give me a call so we can meet for 20 minutes or so. During this time, I will get a good idea if I can help your business like I have helped others.

Look it over, give me a call. It’s only 20 minutes so you have nothing to lose and maybe you’ll gain an advantage over your competition.

 

Paul J Da Costa

Small Business Benefits and Asset Protector

(O) 706-223-3677 (C) 941-716-2597  Pauljdacosta@gmail.com

 

PS look at the brochure and call to schedule a 20-minute time to meet.

 

"Why Social Security Recipients Choose Annuities"

"We have all heard the saying "Risk equals Reward", but does this mean the absence of risk means your investments will fall flat? Absolutely not. As investment options continue to innovate, the financial services industry is finding ways to help those investors who may not be comfortable with too much risk in their portfolios. Therefore, so many are turning portions of their investments into annuities.
These alternative investments through insurance companies allow you to keep your asset protected while generating lifetime income and allow you to participate in the growth of the market. What about if the market dips? You are insured against any financial loss, giving you financial freedom. Have you considered transferring assets and creating generational wealth? An annuity avoids probate and have enhanced death benefits to ensure your heirs are taken care of. 
Find out how you can help diversify your portfolio and mitigate risk while ensuring you don't outlive your hard-earned retirement savings"

Please Call Me With Any Questions

Paul J. Da Costa

941-716-2597

 

pauljdacosta@gmail.com

 

Small Business Owners Are Learning That Gap-Insurance Benefits Can Stop Employee Turnover And Become A Recruiting Benefit

 

More and more business owners are realizing that just increasing employee pay will not stop turnover in today’s employment environment.

As a small business owner, myself, I see that there is always someone willing to pay more than I can! Seems like a losing battle. Sound familiar?

Here's What Really Matters in Recruiting and Retaining Employees…

On the worst day of their lives, when a health crisis strikes, they do not want to worry about how they are going to pay for all those medical bills!!

Let’s face it, we all think the same thing: how am I going to pay all these deductibles and copays and take care of my family?

Give me 20 minutes and I will show you how you can be the hero to your employees and save the day. And stop having to fight to recruit and keep quality employees.

Paul J Da Costa

Cell 941-716-2597

E-Mail pauljdacosta@gmail.com

 

www.pauljdacosta.com

 

 

 

 

Health Care Premiums Continue To Rise, Small-Business Owners and Their CAP’S Wonder How Much Longer They Will Be Able To Offer Benefits!

In fact, my own CPA was telling me one of her clients in Newnan told her this:

“I lost two employees to my competition over $ 1.00 per hour more pay and better benefits. How are they are doing it and staying competitive? And how are they making a profit?”

Health care costs continue to rise and for small-business owners the increase in monthly group premiums, and in salaries, is a major headache.

My name is Paul J Da Costa and I specialize in helping your clients stay competitive in this crazy employee market.

 I represent a number of well-known Major-Medical Insurance Companies that work with small-business owners, like your clients, helping them save 30 to 40% on their group insurance plans, plus offering individual group plans to employees saving them $100’s of dollars a month and sometimes even more. These plans are national, well-known plans with no benefit maximum and for which everyone qualifies.

With the dollars saved, the business owners I worked with now offer better benefits like dental, eye, and cancer care, that they pay for, and still save a ton of money.

To be 100% upfront these plans work best for small companies under 50 employees and not all will qualify.

I have attached a brochure for you to review. Give me a call so we can meet for 20 minutes or so. During this time, you will get a good idea if I can help your small business clients like I have helped others. And you will be the hero because your clients see you looking after their bottom line.

Look it over, give me a call. It’s only 20 minutes so you have nothing to lose and potentially a lot to gain.

Paul J Da Costa Small Business Benefits and Asset Protector(O) 706-223-3677 (C)941-716-2597

  Pauljdacosta@gmail.com

 

SMALL BUSINESS OWNERS STILL DON’T UNDERSTAND WHY THEY CAN’T HIRE EMPLOYEES

Most small businesses are still using the same hiring practices they used in 2019 or pre-covid. They’re not getting that covid changed the hiring landscape: they’re just not competing with local companies, say in a 30-mile radius, but now with companies nationwide.

Think GIG economy: people can sign up to work from home, make their own schedules and get paid daily. The job may even offer a benefits option.

Think Uber and Lyft and other delivery options. Employees make their own schedules. They decide when and how much they want to work. In some cases, they may make $150 or more, in a short time, and get paid the same day. Meanwhile the local business owner, especially in the service industry, is trying to hire employees for a job that may have early hours or late-night requirements, which pays $ 13.00 or less and which doesn’t offer any type of benefits, even a simple, low-cost accident policy. Plus, they pay every 2 weeks, not daily. 

It’s not hard to see why these employers are having a hard time getting and keeping employees.

Employers need to rethink their hiring policies, their work schedules plus how much they pay and when they pay it. They also need to consider non-pay benefits that could attract new talent and keep their current employees.

For example, 94% of Americans qualify for ACA benefits on their own. This could free up money for business owners to then offer small low-cost packages to supplement health insurance for accidents, and illnesses like heart attack and stroke.

There are other options available in addition to the example I just gave.

If you would like more information on how I can help you offer these types of benefit packages to your employees I can be reached at 941-716-2597.

Paul J Da Costa Small Business Benefits and Asset Protector

(O) 706-223-3677

(C)941-716-2597

  Pauljdacosta@gmail.com

www.pauljdacosta.com

 

ANNUITY 101

 

As you can see from the chart below Annuities mirror the market with upside potential of gains but with no downside. If you are tired of seeing you stocks or 401K, drop and are concerned let’s talk. In fact, please take a few minutes and take this free no risk money analysis. It will give you a very good idea of your financial tolerance. IT FREE and will give you some very good information.

 

www.mymoneytolerance.com

its free and there is no obligation.

Please call me at 941-716-2597.

Thanks Paul

Paul J Da Costa

DaCosta Insurance Services

 

pauljdacosta@gmail.com

 

 

 

MEDICARE 2023 UPDATE:

 

Hard to believe another year has come and gone and once again Medicare Open Enrollment is upon us.

I would like to thank you for your business over the years and I hope to continue to serve you for years to come.

MEDICARE CHANGES AND UPDATE:

One of the biggest changes this year is about all those phone calls you get during open enrollment. This year all must be recorded and they must tell you in the first minute or so of the call. And You Must Agree To Being Recorded. Also please remember a lot of these ads that Joe Namath and kid Dyno-mite are pitching are for call centers overseas and after OPEN ENROLLMENT they are gone. No one to help you when you need it. Please be careful talking to them: if you say yes to anything you just may be put into plan you don’t want and that may not include your doctors. So, I suggest just hanging up on them.

In other Medicare news, Part A and Part B deductibles have not yet been announced but we are being told to expect an increase again this year, along with the Part D deductible and premiums.

Drug prices should be going down (that’s what we are being told) but I will wait and see.

This year most plans are increasing their benefits and some may have lower co-pays as well. It will all be official after 10/1 /2022.

I’ve been getting into some other avenues as well. I’VE  been sending out a magazine with fun stuff to read, and some great recipes too. I’ve gotten calls regarding Annuities and how they can protect your money and create an income for life or to leave as a legacy to family members.

 

First thing I do with these folks is ask everyone that has an interest to please go to:

COLOR OF MONEY RISK ANALYSIS:

 

www.mymoneytolerance.com

 

It’s free and will help you understand your money tolerance.

 

Last thing till we meet: I know co-payments and co-insurance have gone up and some have asked what can help with this cost. You can add a Hospital Indemnity plan with a cancer rider which will help with most of the expensive outlays. I can explain more when we meet.

 

Please call anytime at 941-716-2597

Paul J Da Costa

pauljdacosta@gmail.com

www.pauljdacosta.com

 

See you soon!!