Here’s how to get more from your insurance benefits

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Whether it’s over-the-counter medication, a fitness program or a telemedicine benefit, many people don’t realize the benefits they could be utilizing in their healthcare plan. Bernie Davidson, of HealthMarkets Insurance Agency, can help you tap into what you’re paying for, so you don’t lose out on what you need. (Photography:Benjamin Margalit)

By Beth Newcomb

When I do their complimentary healthcare coverage review, many people are surprised to learn about plan benefits they are paying for but not using. Simply put, they don’t know what their coverage covers,” says licensed insurance agent Bernie Davidson, of HealthMarkets Insurance Agency. “For example, they may have coverage for over-the-counter medication, but have no idea they can get reimbursed for those purchases. Others may have access to free fitness classes or other health and wellness benefits. They’re paying for it. They have access to it. But they simply aren’t aware of all of the benefits they could be enjoying under their healthcare plan.”

That’s why it’s a prudent move to sit down with Bernie so he can review your current standing. He’ll uncover all of the benefits available under your plan, and help you understand how best to utilize them. Bernie offers appointments during the day, but he also has the flexibility to meet with clients virtually, in the evening, or on weekends.

“It doesn’t matter what coverage you have, even if your employer is supplying your benefits, there can still be holes that need to be filled. I can help with that,” Bernie assures. “I’m here to help you get the most out of your plan and shore up certain spots so you’re approaching life from a position of strength.”

And the best part is, he says, there’s no charge for his guidance.

“Now is a good time to sit down with me at your convenience to go over your plan,” he notes. “We’ll also take a look at your complete coverage situation. If you have a life insurance policy, for example, we’ll take a look at it to make sure there aren’t any holes, and make sure what you’re paying for is the right choice for you and your family.”

Bernie says working with the team at HealthMarkets provides people with flexibility. “We aren’t beholden to any one company, so we can offer a variety of options,” he says. “We’re able to fine-tune your benefits to suit your life. With us, there is no one-size-fits-all plan. Every person is unique, and so are their insurance needs.”

Last year, many of us may have spent our days feeling vulnerable—unsure of where conditions would take us as a country or how it would impact us personally and financially. If nothing else, we now understand the value of being prepared. Bernie says many people are taking a closer look at life insurance, disability and critical illness policies as a way to prepare themselves for life’s unexpected events.

“A lot of people are also seeing increases in deductibles and co-pays,” Bernie states. “We offer solutions to help lessen the burden these might have on an already-stressed family budget.”

What’s Your FitScore?
Unique to HealthMarkets Insurance Agency is the FitScore, a quick, easy way to maximize insurance benefits and save money. “During your complimentary review, I’ll have you answer a few short questions, then I’ll use our proprietary software to search thousands of plans from leading insurance companies to provide a customized list of the best options for you,” Bernie says. “The higher the FitScore, the closer the plan is to your ideal match. Your FitScore provides a personalized view of which plan might be the right match for you.”

To reach Bernie Davidson directly, call 216-798-1140. HealthMarkets Brecksville is located at 8225 Brecksville Road, Suite 100. Hours are by appointment and virtual meetings are available.

HealthMarkets Insurance Agency Inc. is licensed as an insurance agency in all 50 states and the District of Columbia. Not all agents are licensed to sell all products. Service and product availability varies by state. Sales agents may be compensated based on enrollment. No obligation to enroll. HealthMarkets’ FitScore intends to identify plans that fit your needs. You should carefully review official plan materials. 47011-HM-0321