This is a guest contribution from our health insurance partner, Stride Health. For this Open Enrollment period, we partnered with Stride because they offer the best plans and services just for independent contractors. Here's why you should consider going with Stride before Open Enrollment ends this month.
If you are thinking about joining Stride, you may have one big question: What exactly do we do? And how is that different than healthcare.gov?
Simply put, Stride offers the same plans at the same prices as healthcare.gov (and your state exchanges) but we give you an efficient and effective plan selection experience. Also, once you purchase insurance through Stride, we stick around to help you get the most out of your health care all year. We've built a suite of products that save you money and get you free care. AND we ensure you always have a human advocate to talk to when something doesn't make sense, or when a health problem arises.
Here’s exactly what you can expect from us here at Stride:
#1 Health Insurance Plan Recommendation
We aggregate all plans available to you and advise you how to save money. We build a forecast for your total cost of coverage and the care you’ll utilize. We investigate your emergency scenarios, costs that are very hard to access when picking a plan. And we help you compare plans to better understand benefits and risk-scenarios.
We help you avoid the two most common pitfalls when picking a health plan: under spending on premiums then overpaying on care, or overpaying on premiums then underutilizing your insurance. Only 21% of people studied could choose the lowest-cost plan based on a certain amount of health care.
All our plan recommendation advice adds up to money saved: we save the average customer over $400 per year.
#2 Doctors, Prescription Discounts & Free Care
We help Stride members find the best doctors in your network, no matter where you are in the country. You’ll get access to exclusive deals at over 50,000 pharmacies nationwide, and we’ll figure out how to get youfree care. Every plan, post-Obamacare, comes with free care, but it’s hard to know exactly what services you should be getting for free. Before you go to the doctor we’ll build you a plan to utilize care that won’t cost you a dime.
#3 Concierge Team
Lastly, we designed a customer care team that is fundamentally different from your insurance company’s. We were fed up with our insurance companies being gatekeepers when we needed help. We felt everyone deserved a health care advocate, so we created a team to do exactly that. It’s those crucial moments when you’re in your most vulnerable state that you need an advocate, and we provide that for you. You can call us with any health care question.
For example, we had an engineer who came down with an emergency respiratory issue – we helped him find the best doctor in San Francisco while he waited in the hospital.
We see insurance companies making mistakes time and time again – accidentally dropping coverage or losing paperwork. If you're on your own you won’t have much luck getting coverage (even if you applied correctly!). Our team has gone to battle multiple times to make sure insurance companies enroll people in the right plans. Persistence works.
How do we do all this for free?
Stride is 100% free to you, so how do we do it? When we enroll you in a health plan we take a commission from the insurance company. But this never influences our recommendation – in fact, we prioritize plans that earn us zero commission when they’re a better fit for your lifestyle.
In addition to health insurance and prescription benefits, Stride now offers dental insurance plan for contractors as well.