Without the right planning, insurance transitions are left to clients to figure out. In some cases, clients could be overpaying or exposed to penalties for missed deadlines.
Wouldn't it be great to understand clients' personalized healthcare costs down to the level of prescription drug costs? Now you can.
There are great agents out there, but at the end of the day, they make money based on commissions and often don't represent all options. We're different.
"The summary report that was prepared for me was comprehensive and covered everything I needed to know/prepare for the meeting. During the meeting, the team guided me thru the options available to me and was very patient as I asked a thousand and one questions. Highly recommend."
"This was the second year I have used Caribou. They already had most of my information, so I only had to update a few items. Caribou sent me a HealthPlanning Analysis within two days. This has given me time to assess which plan I will choose."
"My advisor seemed very knowledgeable and was able to address my concerns. She was also very polite and patient. A very good experience."
During a HealthPlan Analysis, Caribou identified insurance denials and out-of-network costs. The analysis indicated that adequate network care wasn’t available on the family's current plan and advised to pursue an appeal of the denial of coverage on that basis.
With the support of excellent record keeping by the client, an appeal documenting the lack of in-network care was submitted and the denial was overturned. This resulted in a refund of more than $76,000 to the family.