Access to health (for) Everyone Everywhere

With one in ten people not having health insurance in the United States, I think it’s safe to say we have an access problem within the industry. But what does it mean to have real access to healthcare? It’s more than just being given a single option, take it or leave it. It’s more than being trapped for a year paying for coverage you don’t understand. 

Here at HealthEE by HBG, access means two things, education, and freedom. First, you should control your health and be free to choose how much coverage is right for you—space in selecting the range and longevity of the coverage. Only want benefits while you are between jobs, waiting to join your partner’s plan, or enduring a waiting period for a new job? Then, you can use HealthEE by HBG. More than just the power of choice, with our advisors on the Ask Evan team, you have access to guidance and education to understand better why you need what you need. We’ve taken something as guarded and confusing as healthcare and turned the conversation to ease and possibility. With Ask Evan in your corner, no question is too small. Your dedicated advisor will take you step by step through how the process works, yes, but also have a casual and honest conversation about your lifestyle and health needs. Once you understand what you need, you can enter our online marketplace and add your coverage to your cart. 

Having access is a power in itself. In our first year, HealthEE by HBG has provided this power to 125,000 members through association partnerships within real estate, logistics, teachers, healthcare, and a myriad of other industries. You can also wield the power of access by scheduling a call with our ask Evan team here or browsing the original online store that started it all here.

Who and What is an Ask Evan?

We’ve all been trapped in a loop of “press 3 if you’d like to speak with a service provider” and “stay on hold for the next available representative.” With each awful hold song, you get more and more frustrated just to have a real person at the end speak as if they were a robot themselves and just want you to purchase whatever it is they are selling- whether or not it’s the right option for you.

When HealthEE by HBG was born, our mission was to create something that provided access and education to all; that’s what the extra EEs are for; we want to help everyone everywhere. So while our team of insurance experts set out to find the best value and packages for you, Evan Armstrong cultivated our Ask Evan support team. But he does much more than simply provide support for HealthEE customers. Instead, Evan is an advisor and educator whose goal isn’t to sell you a product or make a commission but to problem solve with you in real-time to uncover how you can get the most out of your insurance. 

No premeditated scripts or robot voices telling you to repeat your name and date of birth over and over, just a conversation. Evan and his team define success as leaving callers with a peace of mind they didn’t have when they picked up the phone. “I’m not trying to convince anyone to buy anything,” Evan told me. “I’m here to provide clarity and walk you through the options available.”

A call with Evan or one of his team members is more casual in tone. The Ask Evan team isn’t purchase-driven, they are focused on ensuring you have the knowledge you need to make the best decision for you and your family.. Where ever before, have you had a representative in your corner who would speak with you one-on-one about your health and lifestyle? Then using that conversation, tell you honestly that while they have an array of coverage options available based on your needs, the right coverage lies elsewhere. Evan and his team value you and your health above all, and if we don’t have the benefits for you, we will tell you so and direct you in another direction. 

Evan was once a carpenter with many of our customer’s exact needs and concerns today. Before the pandemic, he was the help behind voluntary benefits and has had years of experience assisting consumers with insurance needs. However, for him, what makes HealthEE by HBG different from his prior experience is the unbiased nature of his conversations with callers and the joy Evan finds in truly helping someone when they call. He says, “My position at HealthEE is quite different from any previous position. As much experience as I have selling, I really don’t like selling. Being able to present someone’s options clearly, and having no real motivation to push them toward any decision makes it much more rewarding.”

Beyonce said release your job, so you did….Now what do you do if you get sick?

Now we can’t blame Beyonce for the great resignation, but “Break My Soul” sits top of our minds as the movement’s anthem. The traditional 9-5 has been a quintessential puzzle piece in achieving the American dream for generations. In contrast, the past two years’ events made 9-5 the furthest thing from a dream for many Americans.
The lockdown of 2020 was an eye opener for employees. From the flexibility of work from home to the considerations one can take for their mental health, there were many factors leading employees to make the jump.
Forging your own path is an admirable pursuit, but don’t forget to take care of your health along the way. Leaving a full-time job means leaving the insurance that came with that job. Now you may be rolling the dice and going uninsured, but if the past two years have taught us anything, it should be how life can change in a blink of an eye.
Here you are at the start of a new chapter of your career. The last thing any freelancer wants is to pay out of pocket for medical bills. You don’t need a traditional full-time job to have health care; you need HealthEE by HBG. Our online marketplace has a variety of insurance packages at low costs that you can purchase on a monthly or quarterly basis. No open enrollment, no employer sponsor, no 9-5 required. We want you to have the freedom and flexibility you left your job for.

HealthEE Habits For A Healthy Life

Summer is a time for spontaneity, too much ice cream, day trips to the beach, and sun on our faces. But as we move into August, we must come back to reality and check in with ourselves. August is the best time to evaluate what works with my routines and what doesn’t. Especially here in New York, the change of the seasons makes it difficult to stay motivated, and I find having consistent habits an excellent grounding element. If you have been searching for a new routine or want to spruce up your current one, look no further. Here are six habits for a healthier life,

Stretch every morning,

Stretching takes only a few minutes and will set your day up for success. In our monthly newsletter, we share stretches specific to lifestyle. Next month we will be sharing stretches designed for desk workers, you can sign up to receive the newsletter by filling out the get in touch form here, but an excellent place to start is to reach down and touch your toes. My mother has always taught me that if she can still feel her toes, so should I, and I extend this challenge to you. Do you want to be outdone by my mom? I didn’t think so. If you can’t quite reach out of the gates, no biggie; every day, try to reach a little lower. However, if you can touch your toes with no problem, I challenge you to put your back against a wall, heels touching the wall, and bend, keeping your legs flesh to the wall for a bit more of a challenge. 

8 hours of sleep a night,

This habit is much harder in the summer when it seems there is every reason to stay out or finish that beach read, but your body will thank you for the extra recharge, and your heart will probably thank you too for not needing as many cups of coffee. 

Stay up to date with your checkups and doctor’s visits,

With the hustle and bustle of life, it’s easy to forget that appointment you scheduled six months ago before whatever fabulous plans landed in your lap, but keeping those appointments is essential to your health. Especially with affordable preventative essential care options available here, there is no reason not to go. 

Read everyday,

The average attention span of a human is 8.25 seconds. The average attention span of a goldfish is 9 seconds. I’m not talking about the average teen human or whoever you think is more addicted to technology than you are. That’s humans across the board. Whether it be a news article or a book, reading more than captions and tweets will be more stimulating for your mind and your sanity- not everything you read on social media is worth your time. 

Go easy on yourself and practice self-love,

Now I can almost feel your eyes rolling. “self-love” has been quite the buzzword as of late, but there is a good reason. Now, this looks different for everyone. Self-love to me can be walking by the dog park or journaling. But it can also be more subtle, talking to yourself in a kinder tone, not being mad at yourself for your mistakes, and complimenting yourself instead of criticizing when you walk by a mirror. Self-care to my brother is having the latest Yankees t-shirt. Well, each to each your own. There are no rules as long as what you’re doing makes you happy and brings you a sense of peace. 

Drinking water, 

Get yourself a reusable cup or bottle to keep by your desk and watch as, almost unconsciously, you drink more water. Drinking water helps every part of your body, from your joints to your brain to your internal body temperature. The benefits of water need no introduction. You simply have to choose to dedicate yourself to drinking at least2 liters of water a day. 

The Do’s & The Don’ts Of Benefits

Finding Insurance can be frustrating. With all the jargon and confusing requirements, consumers often end up with coverage they can’t even afford to use, but won’t realize until they are in the emergency room or leaving the doctors and peak at the bill. Worse, traditionally, insurance contracts are a year-long commitment. Locking you into your insurance for the entire year. Nothing is worse than an overpriced jail sentence leaving you scared to get sick. Whether you currently have the coverage you don’t love or are a recent addition to the roster after turning 26; we’ve broken down the do’s and don’ts when it comes to picking benefits:

Do- Ask Questions!

56% of people admit they’re completely lost when understanding their health insurance* Imagine you are purchasing a house or a car. You want those life pillar purchases to be well informed. So you hire an inspector or request a vehicle history report. When you buy insurance, whether, for a car or house or your health, you should use the same fine tooth comb in selecting your coverage because, like a car or a house, coverage is not one size fits all. You seek different needs in a home than your friends or peers and it is the same with your insurance. Not knowing where to start is OK. The confusion surrounding how insurance works sparked us to put Evan to work with a team. Ask Evan is not a salesperson. He is an educator the same way a home inspector isn’t trying to sell you a home but is there to help you know what lies between the walls. Ask Evan is available to help you read between the lines of the traditional industry jargon.

Don’t- Put off enrolling in life insurance. 

When we are healthy and young, it is easy to justify putting off life insurance. Especially with other pressing purchases to be made, but as we get older and our health becomes more and more at risk, the price of policies only gets higher. The life insurance policy you can get today will not be there when you’re five years older. 

Do- Protect all members of your family- AKA keep your furry friends healthy and happy. 

Nothing is better than coming home from a long day to an excited tail wagging. Our pets are dependable sources of love and cuddles (unless you’ve got a cat or a bird, but hey that’s on you), and we as their owners are their whole world. If there were a way for them to stay waiting for us at that door day in and day out forever, I know I’d be the first in line. Unfortunately, like us, pets get old or get hurt. When this happens, it’s not a question of if you want them better but whether you can afford the strain of treatment or surgery. Getting pet insurance is a proactive approach to your pet’s health. We can’t make them live forever, but we can give you a sense of security regarding their health protection. 

Don’t- Go without medical coverage.

No one is superhuman. Going without medical coverage is rolling the dice on your health. If the past few years have taught us anything, it should be that life can change in an absolute blink. To that point, life happens, and if you find yourself between jobs or on a new path, you can still get medical coverage. We have low-cost essential medical coverage available here.

Do- Shop for coverage using trusted sources like HealthEE by HBG. 

The HealthEE by HBG store is available to everyone, built by industry experts with decades of experience to provide access to coverage for all and education about that coverage. Whether you’re a freelancer, a part-time employee, or can’t make heads or tails of your employer-sponsored plan, HealthEE is a trusted resource for browsing and getting your questions answered. Our Ask Evan support team is full of real people, all with the goal of not selling you coverage but helping you understand your options and working through what will work best for your lifestyle. From cost to service to flexibility, our team has done the work, so you don’t have to.  

3 Common Life Insurance Myths

Did you know that only 31% of Americans say they are “very” or “extremely” knowledgeable regarding life insurance?* The insurance world can be overwhelming for many, but it doesn’t have to be. It is said that the truth can set you free, so today, we are freeing you by busting some of the most common myths surrounding life insurance. 

If you think, “I have group life through my work; I don’t need an individual policy.” I hate to rain on your parade, but this is a classic myth, group life often provides $20,000 or just a single year’s salary, which isn’t nearly enough to ensure your family has financial security when they need it most. On the other hand, an individual life insurance policy offers up to $2 million in coverage. In addition, policies start at just $9 a month, a bargain that will give your family a sense of stability knowing they are financially protected.

“I can always get life insurance later.” Another misinformed myth, as we get older, our health becomes increasingly more at risk leading to policies increasing in price. If you wait too long, your rate will be exceedingly higher than if you lock in a lower rate while you’re healthy.

“It’s too expensive,” You’re not alone in this train of thought; more than half of Americans overestimate the cost of life insurance by as much as three times a policy’s average rate*. However, individual life insurance is more affordable than you think.

Locking in your life insurance will save you and your family many headaches later down the line. So do your older self a favor and browse your options today, click here for a quote. 

*According to 2021 data from financial research firm LIMRA

We’ve Done The Work For You

A quick google search of insurance will produce a startling number of hits, all filled with confusing industry jargon. Many unable to break through the noise will purchase plans with too much or too little coverage. Having the wrong coverage doesn’t benefit anyone. Here at HBG, our team of experts are industry veterans that have seen it all and want to help you find benefits that do just that, benefit you. 

You may think your insurance options begin and end with your employer. However, we know how limiting this can be, our plans do not require employer sponsorship, meaning your coverage is yours and follows you in the event of a life change such as a job change or move within the country.

Our team has had decades of experience in the insurance industry and has curated an array of plans that are accessible and possible for everyday life. In addition, we have researched, reviewed, and vetted every carrier seeking the best value for our benefits, from cost to service to flexibility. As a result, we’ve taken insurance from a buzzword with 2,680,000,000 (and counting) search results to a user-friendly online store as easy to navigate as your favorite online retailers.

The Healthee by HBG expertise doesn’t stop with the online store itself. You can become an expert by utilizing our dedicated support team headed by Ask Evan, whose specialty is educating customers on their benefit options. The Ask Evan team is available to discuss plans that make sense for you and your family. So the next time you need to make a doctor’s appointment or have to order a prescription, you will do so with the confidence that what you need is covered and supported. Ask Evan your questions by text, phone, email, or virtual appointment. It’s never been easier to ask questions and educate yourself on your coverage.

Enjoy our hard work and expertise by browsing all our products here. We’ve got you covered. Whether you’re looking for medical plans, home, auto, supplemental coverage, or even device insurance, we’ve done the work for you.