As carriers stop paying, we're increasing our commissions
We understand that in today’s health insurance environment, what once was a growing business is now shrinking. Carriers are leaving markets in the individual health space and no longer paying commissions but your clients still need support. Your group business is growing, but employers and their employees are growing frustrated by increasing deductibles and premiums and fewer benefits, which leads to more work maintaining your book and little time to grow your book.
Your clients need you NOW – more than ever – and they are constantly coming to you for professional guidance! Unfortunately, you’re probably hearing many of the following statements from your clients?
“My insurance renewals are going through the roof… what do I do?”
“The high-deductible plan is the only one I can afford, and barely!”
“I don’t have the money for this right now.”
“I’m going to have to drop the employee benefits for my company because I cannot afford the increase at renewal!”
More hours, less pay. How is that working for you?
If you produce in the individual or group space, focus on senior programs, or are just looking for alternatives to increasing your residual income, we’ve got your solution.
Whether you have been in the business for over 20 years or just passed the insurance exam, now is the PERFECT STORM to start preparing and implementing these new innovative strategies.
Xpress Healthcare is built by brokers, for brokers! That means we understand that you’re constantly searching for ways to help your clients in uncertain times, show them how you can create value for them, and ultimately get paid for your efforts.
Our goal is to provide you with innovative services to help you differentiate yourself in the marketplace. When everyone has the same offerings in your area, it’s harder to get in the door. Being unique has its benefits and agents who sell Xpress know how unique it is!
Here’s a few examples of how Xpress can help you gain an edge:
Carriers are offering Telahealth services with consultation fees from $40-$75 per consultation – Xpress charges a $0 PER VISIT FEE!
Most clients assume their carrier’s prescription plan gives them the best rates, which justifies the monthly premiums – Xpress offers a FREE discount prescription card with discounts of 10%-85% that can be used at almost every Pharmacy of your choice.
Dental plans are often priced based on zip code and number of family members on the plan – Xpress’ Dental Discount Program includes your entire, IMMEDIATE FAMILY with NO ADDITIONAL COSTS and can be used as soon as membership materials arrive in the mail. Did we mention cosmetic, periodontics, and orthodontics are included?
Do your clients premiums include access to advocates to not only help you choose doctors, specialists, and other services, but to also negotiate for lower medical bills? Xpress does – through our Medical Bill Saver™ feature.
Our “Lifestyle” products provide additional value under the Xpress umbrella with ID theft protection, roadside assistance, global travel assistance, petcare and more.
Do your carriers?
In case that’s not enough, our Xpress Rewards program provides more reward dollars every month than the cost of your client’s premiums – what’s that – free money!?
Lead Your Market
It is now time for you to step into the future of benefits!
Expand your benefit offerings
No licensing and available in nearly every state
Differentiate your services by being innovative
Maintain existing clients and win new business
Accelerate your residual income
We Help You Grow
Your business is our business!
Highest Commissions in the Industry
Professional Marketing pieces to immediately prospect
Xpress Rewards for all of your clients
Free discount Prescription Cards – get paid to give it away!
Volume-base branding, back-office, and leads
You'll Enjoy The Benefits
Offer Xpress and watch your sales soar!
Volume-based, competitive commission structures
Sales incentives and rewards for Top Salespeople
Very limited service requirements – we handle it for you!
Your success can be learned from others, you just need to be willing to see it
Businesses with a lot of part time employees may subject to the ACA Compliance calculations related to Full Time Equivalents. The Xpress Premium package is discounted by 40% when utilized as an Employer Paid benefit and acts as a fantastic recruiting and retention tool to provide their employees with some level of benefit without breaking the bank.
In a 4-caller, 2-week Group lead telemarketing pilot, a Call Center in PA was tasked with scheduling meetings to discuss Xpress as an employee benefit and offered Free Prescription Cards to help close the appointment. 27 group appointments yielded 41 Xpress sales and 8 BORs (111 lives), representing over 500% ROI for the year. The pilot has been expanded.
Annette just secured a Med Supp policy and was looking for a Prescription Plan to help pay for her generic prescriptions. In reviewing the plans that most fit her needs, she was offered a PDP plan at $28/month which gave her prescriptions at $8 and $10 at a local pharmacy. Her Broker offered another alternative – Xpress Basic, which saved her $18/month in premiums with the same prescription costs, but added discounted Dental and Vision, which Annette could not afford previously. With a new discussion point, her Broker is now contacting 250 of her Senior clients to evaluate their prescription, dental, and vision needs.
Your Group is disappointed in their higher premiums and had to take a much higher deductible to afford their premiums. You offer the Xpress Premium package as an Employer Paid benefit at a 40% discount on the retail premiums. Not only do you help the Employer look like a hero to his employees, but you’ve earned their respect for doing the right thing.
Group Employer Paid Benefit
Ed had an individual ACA client looking to renew her coverage. She also happened to be the Office Manager of a 400 unit multi-tenant complex. Once Ed explained the Xclusive benefits to his client, she not only purchased Xpress, but Ed’s offer to provide the Prescription Card to all 400 tenants was embraced by the Office Manager, resulting in new opportunities on all insurance lines of business.
Traditional medicine is not the only answer! Save 10% to 30% on your health and wellness needs with over 40 specialties and 43,000 practitioners nationwide. Whether you want to reduce stress, relieve migraines or quit smoking, alternative medicine can help.
Acupuncture, Massage Therapy, Nutritional Counseling, Biofeedback, Hypnotherapy, Reflexology and more
Popular exercise and movement specialties such as Yoga, Tai Chi and Pilates
Back out of whack? Use your membership to save 30% to 50% on X-rays, diagnostic services and treatments at over 3,000 chiropractors nationwide. Get relief from back and joint pain, headaches and more with no limit on the number of visits. How’s that for an adjustment?!
Free initial consultation
50% off diagnostic services and X-rays performed on-site
Smile brighter with big savings on dental services at over 195,000* available dental practice locations nationwide. Just present your card with the Aetna Dental Access® logo and pay the discounted price at the time of service. Use your card over and over again to keep your teeth sparkling clean!
In most instances, save 15% to 50% per visit**
Save on dental services such as cleanings, X-rays, crowns, root canals and fillings
Need specialty dental care? Save on orthodontics and periodontics, too!
* Actual costs and savings vary by provider, service and geographical area.
**As of May 2016.
Dental Benefit is not available to VT residents.
The discount program provides access to the Aetna Dental Access® network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent, representative or employee of discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.
Diabetes can be hard to manage–big savings on supplies can make life easier. Get 60% off average retail prices and free shipping on all packages, and an extra 15% off any single order item. You’ll never run out of supplies or wait in long lines!
Packages include a premier glucose meter, control solution, test strips, lancets and lancing device
Packages are $29.99 to $169.99 per month
Easy ordering, regular shipments and convenient home delivery
Allegro Durable Medical Equipment
Need an easy way to order medical equipment online or by phone? Not only will your supplies ship to you, but you’ll also save 20% to 50% and an additional $5 on orders over $100! Save on walking aids, wheelchairs, scooters, hospital beds, bathroom safety, orthopedic products and more.
Global Travel Assistance
Got a trip planned? Protect yourself and your loved ones. When traveling 100 miles or more from home*, you can rest easy knowing you have a global network of doctors, assistance personnel and emergency benefits. You’ll be safe and sound from air to ground.
Emergency medical evacuation
Monitoring of treatment
Replacement of lost or stolen travel documents
Transportation to join a family member in the hospital
Return of minor children
Pre-travel and security information
Coordination of hospital payments and insurance
Medications and vaccines
Transfer of money
Return of mortal remains
*Home is defined as the address listed on member’s ID (Driver’s License or Passport) Global Travel Assistance not available to FL, OR or WA residents.
Health Advocate™ Solutions powered by Health Advocate™
Healthcare is becoming harder to understand. Personal Health Advocates help you find your way through insurance and healthcare systems. They can also locate doctors, specialists, hospitals, dentists and pharmacies. Advocates research treatments, resolve claims and provide medical explanations so you can make more informed decisions.
Untangle medical bills and insurance claims
Clarify benefits and answer questions about tests, treatments and medication options
Coordinate care among multiple providers
Assist with eldercare and related healthcare issues
Arrange second opinions and transfer medical records
Medical Bill Saver™
Skilled negotiators will attempt to negotiate discounts on medical and dental bills
Negotiate payment arrangements with providers and find options for non-covered services
Registered nurses ready to answer calls 24/7/365
Detailed information on a range of concerns including appropriate treatment options for minor emergencies or illnesses
The Health Advocacy program is not health insurance. Health Advocacy provides administrative, informational and referral type services, through its employees. Health Advocacy does not provide medical services and does not recommend treatment. Independent healthcare practitioners, who are not Health Advocacy’s employees or agents, provide all medical services.
55% of seniors cite cost as a reason for not using hearing aids. Want to save big? We hear you! You’ll get a free initial screening and save 35% off the suggested retail price (MSRP) at thousands of retail locations nationwide.
Two-year supply of hearing aid batteries and two-year warranty, with a one-time replacement for loss or damage*
Unlimited follow-up care for cleaning and checkups with purchase
100% Service Satisfaction Guarantee during the first 60 days
Patient financing options
*Members must pay for all repairs not included in the warranty.
Discounts cannot be combined with any other promotional offer, discount, rebate, health insurance benefit or value-added discount plan. Unlimited follow up visits will be provided at no cost to the member; however, any costs for retailrewardsrepairs no longer under the manufacturer’s warranty will be at the expense of the member.
Thieves want to steal your identity. Don’t let them get away with it! ID Sanctuary combines the power of FraudScout® credit & fraud monitoring and LifeStages® identity management services. With ID Sanctuary, you can rely on immediate, personalized attention from a fraud specialist whenever you need it. Fraud specialists are armed with the knowledge to help reduce the risk of identity theft and provide unlimited restoration assistance should you fall victim—giving you emotional support and peace of mind.
Unlimited 24/7 restoration assistance whenever your identity has been compromised
Step-by-step guidance through the identity restoration process if you become a victim of identity theft or fraud
Document replacement assistance when identification documents such as Social Security cards, birth certificates, passports and driver’s licenses are lost, stolen or destroyed
Credit inquiry activity alerts
One bureau credit report, credit score and monitoring
Access to an online educational resource with new articles, information, tips and best practices to protect against identity theft
Includes you and up to four legal dependents over the age of 18
ID Sanctuary is NOT insurance and has a no-risk 30-day money-back guarantee.
ID Sanctuary is powered by CyberScout. Since 2003, we have been leading the charge against hackers, thieves and even simple human error by providing solutions that deliver prevention education, proactive protection services and swift remediation for millions of households. Our long-term commitment is to be a leader in the personal security industry by deploying new technologies and practices to ensure clients and their customers have the latest tools to protect the privacy and security of their most valuable assets.
Know your numbers! You have direct access to over 1,500 major clinical laboratories nationwide where you can save 10% to 80% on typical costs for lab work. Find a location near you and order online or by phone.
Test categories include allergies, vitamin and cholesterol levels, liver function, fertility, thyroid and more
Confidential results in as little as 24 hours for most tests
Lab benefit not available to HI, MA, MD, ND, NJ, NY, RI or SD residents.
MRI & CT Scans
A better image leads to a better diagnosis, better treatment and a better recovery. Save 40% to 75% on usual charges for MRI and CT Scans at thousands of credentialed radiology centers nationwide. You will be referred to a certified radiologist based on condition, preferences and location.
Savings may vary based on geographic location, provider and procedure performed. Available services may vary by provider.
Caring for pets can be rrrrruff! Keep your pets happy and healthy with discounts on everything from toys and treats to grooming and eats! You can save on boarding, doggie daycare, training, veterinary services and more.
25% off medical procedures at participating veterinarians
10% to 35% off pet services and supplies
Free ID tag and 24-hour pet location service
Restrictions may apply. May not be combined with other discounts or packages.
Don’t pay full price! Save 10% to 85% on most prescriptions at over 60,000 pharmacies. Just present your card to save an average of 46% at locations nationwide.
Compare your prescription prices and see for yourself at MyRxPrice.com
Participating pharmacies include CVS, Walgreens, Target and many other independent, national and regional chains
Even if you have insurance, present both cards at the pharmacy to receive the lowest price
Immediate family included
Members can compare prescription prices and find participating locations at MyRxPrice.com .
Pharmacy discounts are Not Insurance and are Not Intended as a Substitute for Insurance. The discount is only available at participating pharmacies.
Retail Health Clinics
Looking for a convenient health and wellness option? Look no further than your Healthcare Clinic at select Walgreens. Save 10% on everything from prevention and wellness services to monitoring and managing ongoing health conditions. Medical professionals treat allergies, injuries, coughs, colds and more.
Over 400 Healthcare Clinic at select Walgreens nationwide
Walk-ins or appointments available
Medical professionals include board-certified family nurse practitioners and physician assistants
Prescriptions may be written, if necessary
$49 youth sports, camp or back-to-school physicals
Exceptions may apply. Certain services may not be available in all states.
Stranded? Car trouble is no trouble. Roadside Assistance is there for you and your immediate family to help with a flat tire, lock-out, battery, collision and even towing—with coverage up to $50. They will even bring you fuel, oil, fluid and water 24/7!
Limit one service within 72 hours and five services per year. This is not an insurance product. For a complete explanation of this benefit log on to MyMemberPortal.com and read Terms and Conditions.
73% of Americans have trouble receiving timely medical care without having to visit the emergency room. Feel better now! 24/7 access to a doctor is only a call or click away—anytime, anywhere with no consult fee. With Teladoc, you can talk to a doctor by phone or online video consult to get a diagnosis, treatment options and prescription if necessary. Save time and money by avoiding crowded waiting rooms in the doctor’s office, urgent care clinic or ER. Just use your phone, computer, smartphone or tablet to get a quick diagnosis by a U.S. licensed physician.
On-demand healthcare—wherever, whenever
Treatment for common medical issues such as colds, flu, poison ivy, respiratory infections, bronchitis, pink eye, sinus problems, allergies, urinary tract infections and ear infections
16 minute average callback time
Consultations for all ages—from children to seniors
U.S. board-certified doctors with an average 15 years practice experience
Upon request, Teladoc can share consult information with your doctor
This is a perk to get excited about! Ticket Monster offers exclusive discounts on tickets to sporting events, concerts, theatric productions, movies and theme parks nationwide. You’ll enjoy quality time with family and friends while saving money.
Your eyes are the windows to your health. Now you and your family can see better savings at over 20,000 vision providers nationwide, including national chains and local retailers. You save 10% to 60% on glasses, contacts, laser surgery, exams and even designer eyewear.
20% to 60% off prescription eyewear including most frames, lenses and specialty items such as tints, coatings and UV protection
10% to 30% off eye exams
Participating chains include LensCrafters, Pearle Vision, Visionworks, JCPenney, Sears, Target and more
Your eye doctor not in our network? The nomination process is a breeze!
10% to 40% off contact lenses through America’s Eyewear mail order service
You receive exclusive access to the lowest contact lens prices through America’s Eyewear mail order service
15% to 50% eyeglasses and sunglasses through FramesDirect.com
40% to 50% off the national average cost of LASIK surgery.
Everyone has different health goals, and Vitacost has the products to help you reach them. Find the best prices online for the most trusted brands of vitamins, supplements, health foods, sports nutrition and wellness products. Take an additional 10% off already low prices on products for you, your family and even your pets. Vitacost takes the cost out of healthy living.
Use the mobile app or order online
30-day money-back guarantee
Everything from natural household supplies and baby care essentials to skin care products and gluten free foods