Video: RBI Carrier Hall of Fame Week 1

Video: RBI Carrier Hall of Fame Week 1 (ICYMI)

So if you’ve been following along this week on all our emails and event calendar, you know that April is “Carrier Spring Training” month! We are so excited for this new initiative, and just finished up our first week of webinars! But if you missed these webinars and don’t have time to re-watch them, here’s the RBI sales team to break down the highlights of each carrier, and what they do for your portfolio. Watch the videos below: RBI Carrier Hall of Fame Week 1!

This week, we heard from three tremendous carriers: Aetna/American Continental, Equitable and Medico. A big thank you to our presenters, William Davis (American Continental), Bill Ellsworth (Equitable), and Carrie Haubensak (Medico) who did a really amazing job introducing their products and telling us why members like their plans!  We have three videos below so you can get all the highlights on what makes each carrier a perfect fit for your portfolio!

Video: RBI Carrier Hall of Fame Week 1

Look for this symbol on all our new “Carrier Hall of Fame” videos!

When you think about these three carriers, each has something a little different to offer. And at RBI, we like having all three carriers in our portfolio so that we can speak to any client’s individual needs.

Watch the recording: American Continental. Watch the recording: Equitable. Watch the recording: Medico.

Click here to get contracted. Click here to see all our contracted carriers.

Sign up for the next webinars today! Click here to see the full calendar.

Subscribe to the RBI Agent’s Advantage Blog today!


All videos are for agent use only.



5 Easy Tax Season Deductions – Filing Deadline: April 18

Charlie Ferrell, National Sales Manager

About the Author: Charlie started his senior insurance career after a brief 30-year stint in the restaurant industry. In the 12 years since then, he has been blazing trails and setting standards for excellence all over! A native son of Utah, he has been a state manager for RBI as well as a managing general agent for UHC, Coventry, Molina and other carriers! Charlie came to RBI as the National Sales Manager in 2015, and is an invaluable resource for our agents and staff for marketing, compliance, and sales topics! If all of that wasn’t enough, Charlie specializes in the Dual-Eligible market and is leading the charge behind many of RBI’s new training initiatives!

5 Easy Tax Season Deductions

Filing Deadline: April 18

As you are no doubt aware by the ads to “Get Your Billion BACK!” and others, it’s tax season!


Running a business as an independent agent is a great experience for the freedom it allows, but at this time of year it can be daunting. If you’re trying to figure out what deductions you can claim for tax season, you know what we’re talking about. The IRS has resources to help you
understand what types of deductions you are eligible for, so check out what they have to say to get started. Now if you get overwhelmed by this list, that’s ok! (That’s why an accountant is a good idea!) We aren’t licensed CPA’s and this isn’t a substitute for working with one, but here’s our RBI shortlist of 5 easy tax season deductions to think about as a small business owner in senior sales.  Let’s get to it!

Number 1: Mileage

easy tax season deductions

Make sure you are tracking your mileage for Medicare appointments.

As a Medicare independent agent, you should be tracking the miles you drive to and from appointments. You’ll want to be able to provide your accountant with this information at the end of the year. Getting this deduction is simply a matter of noting the distance to and from appointments. Don’t make this complicated: write down the mileage, take a photo of your odometer, or if you don’t want to do the old fashioned notebook-and-pencil way of tracking miles, you can always download the Mile IQ app on your smartphone. Download the app for free and get started! Read more about how this works.

Number 2: Marketing Expenses

A lot of people don’t track their expenses for marketing, and this counts as a business expense! Did you order flyers for a community event this year? Maybe you got a refresh on business cards? What about mailers? Save your receipts for marketing efforts and make sure you provide your accountant with those records as well.

Number 3: Meeting Room Rental

If you held any community marketing during AEP or throughout the year, you know that meeting rooms can cost money. This is also a tax deductible expense! If you had any giveaways or prizes at these meetings, you might be able to write them off as well. (Make sure you are following the CMS Medicare Marketing Guidelines for any giveaways or prizes at your events.)  Keep your receipts – your accountant will need them!

Number 4: License Fees

easy tax season deductions

Here are 5 easy tax season deductions for Medicare insurance agents!

Insurance agents in the senior insurance market know – keeping up to date on your license, E&O insurance, CE credits and more can add up! This is also a business expense, so make sure you keep track of all your receipts for CE credits, AHIP, and other appointment fees.

Number 5: Business Travel:

If you went to any conferences, like the AHIP conference last year, or other business travels, those receipts need to be saved. Airline costs, hotel, rental car and fuel, parking expenses at the airport – all of these expenses are a business expense.  You should also be tracking your daily meals or per diem. If using the per diem method, don’t forget that your first and last days of travel are calculated at a reduced rate! You can also download this app that will help to track per diem rates.

Bonus round: If you have a home office that is designated as purely for business purposes, you might be able to write off such costs are your cell phone, internet, office supplies, or postage.

Did you see some types of business expenses on our list that you didn’t think about last year? If you didn’t keep track of these 5 items in 2016, now is the time to get started for next year. Above all, don’t wait to get organized! What you do now will have a big impact on your filing in 2018 for the fiscal year 2017. And remember, we aren’t experts — these are only 5 easy tax season deductions that we track every year. Your accountant or CPA will be able to point to other expenses you should track that might be a great way to save money.

Have you checked the RBI Calendar for April? It’s Carrier Spring Training month! Click here to get emails about our webinars! Want to get contracted? Call us up at 1-800-997-3107 or click here to see a list of carriers.


Video: Medicare Marketing Madness Roll-up

So you registered for the Webinar Wednesday this week but couldn’t make it. (We get it, life gets busy.)

But just because you’re busy, doesn’t mean you should miss out on great advice! Watch this video Medicare Marketing Madness Roll-up to get the highlights in 1 minute!

Here’s just a few things to keep in mind with Medicare marketing, that Justin Bever (RBI Director of Marketing) highlighted:

  • As with any small business (but especially in senior insurance industry), marketing should be about getting your message in front of the most people compliantly, with the lowest possible cost.
  • The best bang for marketing bucks in Medicare is sending Direct Mail marketing. (Don’t know anything about Direct Mail? Watch now)
  • Direct Mail produces a consistent lead pipeline at an affordable and predictable price
  • The five key elements of Direct Mail marketing are the timing of your mailer, the mailing package (or type of mailer you choose), the copy or text, what the offer is, and the mailing list you choose.

And so much more! Watch the Medicare Marketing Madness Roll-up below now!

Now you’ve had the 1 minute sneak peak, click here and watch the full recording!

Don’t forget that next month starts our Carrier Spring Training month at RBI! Sign up to access the webinars! You can choose the webinars that are right for you by clicking here.


Market Yourself
Medicare Enrollment is a matter of time
Free Appointment Prep Sheet

Targeting Your Ideal List — the most misunderstood Direct Mail concept

Justin Bever

Director of Marketing: Justin Bever

About the Author: In his 9 years since joining the family business in 2008 as a Broker Support Representative, Justin has made innovation his top priority. Justin is passionate about bringing technology into the agent’s toolbox, and has developed tools such as a direct mail program for lead generation (2011); Medicare Compare (2013), an online tool for beneficiaries complete with its own brand identity; and the Medicare Sales Engine (2014), a fully integrated Client Relationship Manager for agents.  Justin’s most recent accomplishment is the Agent Market Edge (2016), an online portal that integrates RBI and their print + fulfillment partners to make marketing accessible to agents. When he is not leveraging technology to produce exciting new tools for agents, Justin’s hobbies are skiing, hiking, and cooking exquisite meals in the company of his high school sweetheart and wife, Cassie. 


Targeting your ideal list

Targeting Your Ideal List:

the most misunderstood Direct Mail concept

Director of Marketing: Justin Bever


When you think about marketing for Medicare, you probably think of Direct Mail. Thanks to CMS Guidelines restricting outreach methods for Medicare Advantage, Direct Mail is a popular way to find new leads.  What you may not know is that Direct Mail is also very effective to reach other types of prospects in the senior insurance market. If you have been following our webinars this month, you’ll know that we tackled the basics of how Direct Mail works last week. Let’s take a closer look at the single most important part of a Direct Mail campaign: targeting your ideal list.

Targeting your ideal list matters

Building a list is not only the most important part of any Direct Mail campaign, but also the most misunderstood concept in Direct Mail. You can have the best copy, the best offer, the most beautifully designed postcard and if you send it to a list that isn’t relevant to what you are selling, you’ll get a 0% response. Think about this for a moment. Talk about a waste of marketing dollars.

Relevance drives sales

Why does this happen? Simply put, prospects buy what is relevant to them. Television ads are a great example of this: big companies pay lots of money to know what demographics are watching so they can target their ads to those consumers. In our business this concept is pretty obvious: you wouldn’t send a Medicare lead piece to an 18-year-old college student, because it is completely irrelevant to their needs and desires. So, how do you select a list that will be relevant to the piece you are sending?

Types of lists for Direct Mail

Targeting your ideal list

How do you select a list that will be relevant to the piece you are sending?

There are four primary types of lists that you can target in Direct Mail:

  1. House lists (your clients, past and present, and your previous responders)
  2. Consumer Lists (rented or purchased)
  3. Business lists (rented or purchased)
  4. Specialty lists (think specific magazine subscribers, for example)

Each type of list is going to require a different type of mailer or outreach. For finding new prospects specifically, in our industry we rent or purchase consumer lists. There are a number of ways that you can rent or purchase consumer lists, but the retail price you’ll find is typically between $0.05 – 0.08 per record. (Stay tuned for RBI discounts available to contracted agents!)

Not all lists are created equal!

When you purchase a consumer list, you want to look at three demographics (or selectors as list brokers call them): age, income and geography. Using geography as a selector makes sense: you don’t want to get leads that are out of state, for instance. Age and income are a little trickier, but a rule of thumb for a higher success rate is to target ages 64.5 to 85 for Medicare Advantage, and 64.5 to 75 for Medicare Supplement. Replacement Medicare Supplement plans are more effective up to the age of 75; beyond age 75 most beneficiaries choose a Medicare Advantage as a replacement. Why you ask? After age 75 there are higher costs on a supplement and stricter underwriting as well. Ultimately, targeting your ideal list dictates the success of your direct mail campaign.

Are you ready to get started?

We can help you! We work with print and fulfillment companies to bring you discounts and exclusive pricing on mailers. At RBI, we will make sure you get the right list for every mailer you send and the cost of the data is included in all our mailers. If you do feel the need to purchase a list separately, our cost to contracted agents is only $0.025 per record. Give us a call at 1-800-997-3107 if you want help selecting the right list for your campaign.

Still not convinced? Watch the webinar! “Direct Mail Madness” covered the basics of Direct Mail marketing, and “Medicare Marketing Madness” covered how to use Direct Mail for your senior insurance business! 


Low Income Subsidy Roll-Up
Dual Eligibles Roll-up

Dual Eligible New Plan Member Outreach

James Gramp

 RBI Sales Coordinator/Independent Agent: James Gramp

Pro Tip: If you can solve your client’s problems that have nothing to do with Insurance, you will be their hero.  It can even be as simple as remembering something that they have going on in their life and asking them about it.  I know an agent really went the extra mile from a conversation with one of their clients. The Dual Eligible member had mentioned that she wanted to get a bike for her son’s birthday that was coming up but couldn’t afford it.  The agent was able to find a local organization that gives bikes to under-privileged kids and the mother was able to get her son a bike, thanks to this agent’s work.  Treat Dual Eligible beneficiaries like human beings and not just a client and I promise you that you’ll see more business stay on the books.


Dual Eligible New Plan Member Outreach

RBI Sales Coordinator/Independent Agent: James Gramp


Are you tired of hearing about why you should be taking advantage of the great opportunity you have to sell Dual SNP’s year-round? No? Good, because I’m not done talking about it!  The biggest complaint I hear from agents that don’t want to bother with Dual Eligible beneficiaries is that DSNP members can change plans throughout the year, are harder to keep as clients, and agents eventually lose them much sooner than a regular MA client.  So what’s the secret to retaining your DSNP business?  Member outreach.

What does member outreach look like?

When dealing with your Dual Eligible clients, you need to be reaching out to them regularly. Make sure they know that you’re there for them when they have problems.  By following my new member outreach strategy, your clients will not only see you being proactive with their insurance, but you’ll solve problems before they even arise!

5 steps to great member outreach (with a timeline!)

Step 1: Thank you letters (Next day or end of the week)

The first thing I do after enrolling someone in a Dual Eligible plan (I do this for every client of mine, not just Dual beneficiaries) is to send them a thank-you card, showing your appreciation for being their healthcare agent.  To give it a more personal touch, I also like to include a picture of myself and hand sign the letter. Bonus points if you hand write the whole letter! (If you want to get some help on thank you letters, RBI works with print and fulfillment companies for huge agent discounts!)

Step 2: Call to follow-up (2 weeks after the appointment)

Two weeks after submitting the member’s application, give them a call and confirm that they got their member ID card.  It’s the perfect time to order a new member ID card from member services if they haven’t gotten it yet.  Just call member services with your client on the line.

Step 3: Ask how their coverage is going (30 days after receiving the member ID card)

After 30 days of their new coverage, remind your DSNP beneficiary of any outreach that carriers do for new members, like welcome calls or any Health Risk Assessments.  Ask if they’ve seen their Primary Care Physician yet. (Especially if they’re seeing a new doctor!)  Also confirm that they received any other materials related to plan benefits like OTC cards and catalogs.

Step 4: Help them contact doctors (2 months after enrollment)

Two months after enrolling them, if they still haven’t seen their doctor yet (when you asked them the previous month) then make sure and find any phone numbers they need to schedule a doctor visit.  Make sure your members understand how all of their extra benefits work and how to utilize them.

Step 5: Make yourself available like clockwork (every other month after first doctor visit)

After I’ve made sure my DSNP clients know exactly how their plan works and how to use it, I follow-up every other month just to make sure they’re not having any problems.

Your members will appreciate that you’re being proactive rather than waiting for a problem to come up with their insurance.  Keeping your DSNP clients (and all clients) on the books boils down to giving the best customer service possible. When you step up your member outreach and make sure your clients are utilizing the plans benefits to its fullest, you’re ensuring that your clients never need to seek out help from another agent.

Want more great Dual Eligible advice? Click here to see our webinar “Finding Dual Eligibles” and get started! Click here for a list of carriers in your area, or call RBI at 1-800-997-3107 to speak to our team! Let’s get YOUR Dual Eligible book of business activated today! 


Video: Direct Mail Madness Roll-up

Don’t you just hate missing amazing content? Now you don’t have to: watch Direct Mail Madness Roll-up now!



Have you thought about using Direct Mail to market your senior insurance business? Maybe you thought it was a lot of money for leads. Maybe you thought that it was too complicated for you. Perhaps you thought that tracking your investment would be impossible.  If any of these scenarios have you nodding along, you need to watch our 60 Second Roll-up “Direct Mail Madness Roll-up.” 

What are the things agents hate most about marketing?

  • Spending lots of money and not getting anything in return, or in other words, bad Return on Investment (ROI)
  • It’s tough to get the message to the right people, or targeting the message
  • Getting leads that are not effective

RB Insurance is here to help!  We de-mystify Direct Mail, and can help you determine ROI, targeting the right leads, and ultimately get leads that you can convert into a client for life.

Direct Mail Madness Roll-up

Look for this symbol on all our new “60 Second Roll-up” videos!

Now that you’ve got a taste for Direct Mail, you should watch the full recording! Then you should check out your Agent Market Edge account and get started today!

Don’t forget to sign up for next week’s webinar, which talks about how to use Direct Mail to grow your Medicare business. Check out our Carrier Spring Training series starting in April and get started contracting for the selling season! Call 1-800-997-3107 to get more details! 


Hospital Indemnity
Low Income Subsidy Roll-Up
Dual Eligibles Roll-up

Spotlight on Outstanding Community Referral Sources

James Gramp

James Gramp

Sales Coordinator / Independent Insurance Agent

With his signature common sense, quiet good humor, and brilliant customer service, Jim is the other half of the RBI phone answering dynamic duo! An Arizona native, Jim manages agent relationships for the East Coast and specializes in the RBI agent tools, especially the Agent Market Edge. Jim has been a licensed health insurance agent for over a year, and has worked at RBI for 2 years. An accomplished bassoonist, he is known around the office for his amazing musical skills. In addition to keeping busy around the office, Jim frequently contributes to our blog, bringing a new agent’s perspective to the RBI online presence.

Spotlight on Outstanding Community Referral Sources

Sales Coordinator/Independent Insurance Agent: James Gramp


My focus for this part of the year is on the Dual Eligible population, something you would know if you read my last post (shame on you if you didn’t!), “Your Best Month Yet.”  The most successful ways I’ve reached this population are Direct Mail and Community Marketing.  Both methods are very effective but today I’ll be focusing on community marketing by building outstanding community referral sources, especially in the Dual Eligibles/Low Income Subsidy (LIS) market.

Community Referral Sources - do your homework!

To gain community referral sources, do your homework!

Do your homework: Prepare for the meeting

Effective referral leads are worth their weight in gold.  Think about it: they’re almost always referred to you by someone they trust, which helps you break through the most important barrier between you and making the sale; earning trust. If you want to succeed in gaining community referral sources, and then in appointments from these referral relationships, you must build a name for yourself as the “Medicare Expert” in your community. The first step is to obviously have the knowledge to be an expert. This means not just the ins and outs of Medicare, but also research the focus group you’re targeting. For instance, I’m targeting Dual Eligible/Low Income Subsidy members, and locations in the community that interact with them. I need to research both. Hint: If you don’t know where to start for your target market, call us! That’s what we’re here for.

Where’s Waldo? Find the Decision Maker

There’s a lot more to community marketing than going to provider offices/food banks and asking if you can put up a flyer in their office. The trick is to find and educate the decision maker or influencer, that is, the person or people that interact with the potential members on a daily basis. Community Referral SourcesThe influencer will be doing the actual referral, so they need to know what you do. How do you help seniors save money? The answer in my case is by helping enroll members in the ‘Extra Help’ or the state Medicaid (AHCCCS in AZ) program. Influencers also need to understand that your consultations are 100% free of charge. You do not want to go in to a networking meeting looking like a typical salesman looking for your next sale — that’s a great way to get shown the door. You want your “pitch” to be centered around the value you bring to the table: the education and extra financial help you provide your clients.

Show me the money! What’s in it for the influencer?

Not only do you have to show the benefit you provide to your clients, you also have to show the decision makers or influencers the benefit they have of working with you.  A lot of what you say at this point is specific to the type of facility. Take a dental office, for instance. Dental office patients who are on Medicare and Medicaid qualify to enroll in Dual Special Needs Plans, which can give them up to $xxxx.xx in dental coverage as long as that particular doctor ins “in-network” for that carrier.  If these potential members enroll, you’re literally putting money in their pockets that they can only use to fix their teeth.  In my appointments with dental office influencers, I make this statement: “Not only do I help my clients save money with these federal and state programs, but for my clients that qualify I can get them on a plan that gives them $xxxx.xx in comprehensive dental coverage. That would be additional dollars to your top line with minimal effort on your part. If I can get your patients more money to get their teeth fixed would you refer your patients that have questions about Medicare/Medicaid to me?” Patients will be more likely to schedule appointments for major work if they don’t have to cover the costs out of pocket, and the dental office will see this value. The decision for the influencer is very straightforward at this point, because I have shown them how the referral relationship will impact their bottom line.

At RB Insurance Group, we pride ourselves on our ability to help the Dual Eligible population! Our staff has personally enrolled thousands of individuals in Dual Special Needs Plans.  Trying to get into the D-SNP market? Watch this webinar! Give RBI a call today to get contracted and learn about the incredible opportunity you have to truly make a difference.


Hospital Indemnity Roll-up
Hospital Indemnity
Low Income Subsidy Roll-Up

Video: Make Community Marketing Work for You Roll-up

Did you miss Webinar Wednesday? Instead, watch Make Community Marketing Work for You Roll-up!

If you’re not known in your area as the authority on all things Medicare, this webinar is for you! We want to help you grow to be the person in your neighborhood that everyone goes to with questions…and of course, the agent who enrolls these members! To get you to this goal, we’ve prepared this week’s Webinar Wednesday to cover how to take charge of your education efforts, become an expert at working in the field, and start earning the trust of your community. Did you miss the webinar? We’ve got you covered with the Make Community Marketing Work for You Roll-up!

Make Community Marketing Work for You Roll-up

Look for this symbol on all our new “60 Second Roll-up” videos!

Not sure how to get started? Take the first step by clicking here to watch the full recording. Then take a look at our carrier-partners to get started contracting.

If you have additional questions, call RBI at 1-800-997-3107 to speak to our amazing team! 




RBI Agent’s Advantage Blog: guaranteed to energize your business (updated 2017)

Agent's Advantage Blog

Meet the RBI Agent’s Advantage Blog Team:

  • Charlie Ferrell, National Sales Manager
  • Rob Bever, Director of Compliance
  • Bob Bever, RBI Founder/Managing Member
  • James Gramp, Sales Coordinator/Independent Agent
  • Elizabeth Spann, Senior Agent Contributor
  • Tom O’Neil, Senior Agent Contributor
  • Shannon Bever, Graphics/Freelance Copywriter
  • Rebecca Howard, Managing Editor

RBI’s Agent Advantage Blog:

Guaranteed to energize your business


We’re proud to be offering original, practical content through the RBI Agent’s Advantage Blog, updated to be easier to use than ever before. Now you can search posts with our keyword search, or click on related content by using the “tags.” As always, the blog is YOUR go-to for sales help, marketing support, Medicare information, and more! If you haven’t already, you can visit our blog page or sign up to get a weekly digest of the blog, just click here.

Blog Focus No. 1: Medicare agent training by experts, so you can become an expert!

Don’t read Medicare policy news from sources geared toward seniors, read it from the RBI Agent’s Advantage blog, written specifically for agents like you! Our Agent’s Advantage Blog team combines over 50+ years of Medicare insurance experience, so we bring you the latest in Medicare policy news, industry changes, and compliance issues. No more guessing about how these will affect your senior insurance business — our team breaks it down for you!

Have you seen the updated articles from National Sales Manager, Charlie Ferrell, about Medicare Supplements? What about this article by Director of Compliance, Rob Bever, which covers top compliance mistakes in MA home visits and how to avoid them?  Or you can stay up to date on the latest mergers and acquisition news that affects your business’ bottom line. Get involved in a different type of client base with Bob Bever’s post about how Hospital Indemnity can be right for your ACA clients.

Blog Focus No. 2: Practical sales training and advice to generate more sales.

We’re not here to get you to click on things. We’re here to deliver helpful information and actionable tutorials that you can implement right now to increase your sales.  Learn strategies for building a referral base within your clients, or building a partnership with other professionals in your community.

Want to multiply your revenue? Get your book of business in order and watch it stack up! Want to make sure you secure Medicare Advantage and Medicare supplement commissions? In an ever-changing retirement climate, it’s important to have the best information! Our advice on preventing disenrollment from month to month? Read how to get it done here.

Blog Focus No. 3: Marketing support/learning opportunities grow your business beyond AEP. 

RB Insurance Group specializes in helping agents sell year-round as a career agent. That means making marketing support available year-round too! Whether you need to watch some of our video roll-ups on our blog, or you are more of a word-nerd and prefer articles, or you want to participate in our live Medicare Intensives, the blog has all the details.

Learn more about Special Election Periods, community marketing and selling complementary senior insurance products to your Medicare Advantage clients.

Blog Bonus Content: Stories from the Field by RBI Contributing Agents

RBI Founder, Bob Bever, shares stories from his 30+ years in the field, including the simple strategy that helped him submit 1,800 applications during his best AEP. Our other agent contributors include 6 Hours to 6 Figures author Brandon Clay, as well as top producing agents in some of our major markets.

Like what you see? Click here to register for the weekly round-up email from RBI! Want to learn more about our contracting opportunities? Click here for a list of our carrier-partners.


Updated 3/20/2017; originally published 10/8/2015


Medicare Supplements 101 Roll-Up
Agent Market Edge
Mergers and Acquisitions
Hospital Indemnity Roll-up

Video: Agent Market Edge Basics Roll-up

Did you miss Webinar Wednesday this week? Don’t worry, we’ve got you covered with Agent Market Edge Basics Roll-up!

You look like a person who loves getting a great value for your money, without sacrificing quality.  We are too!  That’s why we have partnered with print and fulfillment companies to bring our agents exclusive pricing on marketing!  When you contract with RBI, you get access to the Agent Market Edge online portal, where you can watch your marketing credits stack up, and plan flyers, mailers, business cards and more! If you haven’t heard how it works, don’t despair!  Watch our Agent Market Edge Basics Roll-up and get the short-and-sweet.

Agent Market Edge Basics Roll-up

Look for this symbol on all our new “60 Second Roll-up” videos!

Want to get the full details? Click here to watch the full recording! If you would like to get access to our bargains and marketing co-op dollars, click here to get started contracting!



Hospital Indemnity Roll-up
Hospital Indemnity
Low Income Subsidy Roll-Up