How to Save REAL Money on Health Insurance (with Carey Gruenbaum)

Kosher Money

Living Lchaim

Frum, Eli Langer, Management, Jew, Judaism, Religion & Spirituality, Business, Finances, Orthodox, Jewish, Careers

5 • 781 Ratings

🗓️ 22 March 2022

⏱️ 90 minutes

🔗️ Recording | iTunes | RSS

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Summary

Carey Gruenbaum has extensive experience in the healthcare insurance industry and operates multiple companies in the space.

Who better to sit down to discuss the finances around medical insurance, how to save REAL money on it, and what a consumer's options are.

Curious about HealthShare plans? Surgery in Mexico? What's the deal with dental and vision insurance? We covered that in full, and much more!

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TIME STAMPS:

0:01 Intro

2:08 Who Needs Health Insurance?

4:23 How Many Americans Don’t Have Health Insurance?

6:16 The Cost

12:30 The Power of Shifting

17:18 Eli’s Trip to the ER & Mysterious Hospital Pricing

24:40 Do Hospitals Hate Urgent Cares?

26:00 Hospital Bills: Negotiable? Impacts Credit Score?

30:30 Sponsor

31:52 More on Bill Reductions

34:07 The Difference Between Health Insurance Companies

38:35 Additional Health Insurance When Traveling

40:48 Long Term Care Insurance

45:45 Disability Income Insurance

50:00 Dental & Vision Insurance

53:05 Out of Country Surgeries

54:56 Sponsor

56:41 HSA (Health Savings Account) and FSA (Flexible Savings Account)

1:01:26 HealthShare Plans

1:21:08 Carey’s Companies & Contact

1:26:17 Outro

Here is a list of Carey's companies:

• PSG Insurance (PSG-Insurance.com): Group Benefits, Life, Disability and All Benefits Related

• One Cap LLC (OneCapLLC.com): Property & Casualty

• Preferred Exchange (PreferredEx.com): When we talk about health insurance, Preferred Exchange thinks it should be easy for anyone to understand and the costs should be clear. (For employers, employees and brokers.)

To get in touch with Carey's team, call 516-247-6448 and push extension 227.

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Transcript

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0:00.0	An episode you've been waiting for health insurance, medical insurance.
0:05.3	We've gotten so many people wanting us to do this episode for so long.
0:09.5	Like literally hundreds of people.
0:12.0	When you think about medical insurance, you're thinking, oh, yeah, that $2,000, $3,000,
0:18.1	$1,500, whatever it is, that leaves my account, my precious savings account.
0:24.1	Or unfortunately, Sone's thinking, like, I should really get health insurance.
0:27.8	Well, I hope most people, I think most people do have health insurance.
0:30.5	But we know from our research that there's a lot of people that don't.
0:33.3	That don't, yeah.
0:33.8	It was very, very, very, very insightful episode.
0:36.7	We spoke about shifting,
0:39.1	which means basically you don't have to be married to a single plan. If you don't think that
0:45.8	year you're having a baby or you're not expecting anything crazy on the medical side,
0:50.9	you could shift to another plan, potentially saving thousands of dollars a year.
0:54.8	We discussed health share plans. That was a big one. We asked people to submit their medical questions
1:00.8	or medical insurance questions, and seven out of every ten questions were related to health
1:05.7	share plans. So we hit that towards the end of the episode. I don't know if you plan this out
1:10.6	to have a baby the same week that you're doing.
1:15.2	Oh, a kosher money baby.
1:17.1	Yeah.
1:17.7	Yeah, no.
1:18.6	If you want to hear funny, while my wife was giving birth, I really couldn't do too much.
	...

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