Every healthcare conversation.
Every healthcare conversation.
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Already explained. Ready to send.
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Videos in this category
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3-5
3-5
Minutes per video
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150+
150+
Total platform videos
Most advisors know their products cold. The gap is what happens after the meeting — when clients forget, second-guess, or go quiet. These videos close that gap. Each one is designed to be sent the same day as your conversation, reinforce the concept in plain language, and keep the client moving forward — without requiring you to be on camera.
THE PROBLEM
Healthcare conversations require the most repetitive re-explaining of any product category advisors work in. Medicare, gap coverage, supplemental plans — clients ask the same questions every time.
THE GAP
Most insurance agent marketing for healthcare stops at the initial enrollment meeting. Without a follow-up video, clients forget 80% of what was said — and call competitors when AEP opens.
THE SOLUTION
Send the right video within 24 hours of every healthcare conversation. The client gets a permanent reference. The advisor stops answering the same call. The relationship stays top of mind all year.
22 VIDEOS · HEALTHCARE INSURANCE
A video for every healthcare insurance conversation — from ACA enrollment to Medicare gap coverage to disability income protection
A video for every healthcare insurance conversation — from ACA enrollment to Medicare gap coverage to disability income protection
The healthcare library is organized into four tracks: Medicare (five videos covering every Medicare decision a beneficiary faces), Supplemental and Gap Coverage (the most commonly missing coverage layers), Disability and Income Protection (own-occupation, business overhead, and group income protection), and Individual Health Plans and Specialty Coverage (ACA options, short-term medical, HSA, telemedicine, dental, vision, and travel). Each card includes the advisor context and a specific "Send when" trigger.
TRACK 1 - MEDICARE: ENROLLMENT TO PLAN SELECTION
MEDICARE INTRODUCTION
An Introduction to Medicare Benefits
Complete roadmap to Medicare Parts A, B, C, and D for adults turning 65. Part A (hospital) is usually premium-free; Part B (medical) costs $174.70/month in 2025; Part D (prescriptions) is optional with a lifetime late-enrollment penalty; Part C (Medicare Advantage) is the private plan path. Key coverage gaps in Original Medicare: no annual OOP maximum, 20% coinsurance on everything, no dental, vision, hearing, or LTC. Two coverage strategies compared: Medicare Advantage (bundled, one card, OOP cap) vs. Original Medicare + Medigap + Part D (nationwide access, predictable costs). Enrollment windows: Initial (7-month window at 65), Annual (Oct 15–Dec 7), Open Enrollment (Jan 1–Mar 31), and Special Enrollment. Decision checklist: total costs, provider networks, drug formularies, and travel habits.
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Send when: A client is approaching age 65 and has never been on Medicare. The foundational video before any Medicare product conversation begins. Most effective when sent 3–6 months before their 65th birthday.
MEDICARE ADVANTAGE
Medicare Coverage with Additional Benefits
Medicare Advantage (Part C) replaces Original Medicare Parts A and B with a single private plan card. Key advantages over Original Medicare: annual out-of-pocket maximum (averages $4,500–$8,300 in-network), $0 copay options for primary care, built-in Part D drug coverage, and extra benefits (dental cleanings, vision exams, hearing aids, OTC allowances, fitness programs). Plans vary by county and change annually. Network rules: HMOs require referrals and in-network use; PPOs offer broader access at higher cost. Comparison table: Original Medicare vs. Medicare Advantage HMO on premiums, deductibles, hospital visits, prescriptions, dental, and OOP maximum. Enrollment timing and provider network confirmation guidance.
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Send when: A Medicare beneficiary wants to understand whether replacing Original Medicare with a private plan could reduce their costs or add benefits — especially those interested in dental, vision, or hearing coverage without paying separate premiums.
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MEDIGAP SUPPLEMENT
Fill the Gaps in Your Medicare Coverage
Original Medicare leaves beneficiaries responsible for deductibles, 20% coinsurance on all services with no annual cap, excess charges up to 15% above Medicare's fee schedule, and zero coverage for dental, vision, hearing, or foreign travel. Average beneficiary without supplemental coverage spends $5,000+/year on out-of-pocket medical costs. Ten standardized Medigap lettered plans (A, B, C, D, F, G, K, L, M, N): benefits are identical by letter across all insurers nationwide — only price differs. Plan G is the most popular for new enrollees (no Plan F after 2020 for new beneficiaries). Guaranteed issue window: must apply within 6 months of Part B enrollment for automatic approval regardless of health. Cannot be cancelled as long as premiums are paid. MediGap does not include drug coverage — must add Part D.
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Send when: A beneficiary wants the security of knowing all their out-of-pocket costs are capped with predictable monthly premiums — especially those with chronic conditions, frequent specialist visits, or international travel plans.
MEDICARE PART D
Medicare Part D Prescription Drug Coverage
Original Medicare Parts A and B cover zero prescription medications — the pharmacy bill is 100% out-of-pocket without Part D. Average uninsured Medicare patient spends $5,000+/year on prescriptions. Part D: private plans sold as standalone PDPs or bundled into Medicare Advantage. Formulary tiers: Tier 1 generics ($0–$5) through Tier 5 specialty drugs (33% coinsurance). Late enrollment penalty: 1% of the national base premium for every month without Part D coverage — for life. Annual review is essential: formularies, premiums, and drug tiers change every January 1. Review during AEP (Oct 15–Dec 7) can save hundreds annually. How to select the right plan: list current prescriptions and use plan comparison tools before choosing. Real case: Bill, 8 generics, $4,600/year retail — $15/month Part D plan reduces his annual drug cost to $164 (saving $4,400).
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Send when: A Medicare beneficiary is at initial enrollment, hasn't added Part D yet (lifetime penalty risk), or hasn't reviewed their drug plan during AEP in the last year. Also send to clients who recently started a new prescription not on their current formulary.
MEDICARE SAVINGS ACCOUNT (MSA)
Tax-Free Savings for Medicare Expenses
Medicare Savings Account plan: a special type of Medicare Advantage combining a single high deductible ($3,000–$5,000) with a tax-free annual deposit of $1,500–$2,000 into a personal MSA account. No extra monthly premium beyond standard Part B. After meeting the deductible, the plan pays 100% of covered services for the remainder of the year. MSA funds can be used for any qualified Medicare or non-Medicare expense — dental, vision, hearing, chiropractic, prescription drugs, overseas care. Unused funds roll over indefinitely and earn interest. Simple math example: $4,000 deductible minus $2,000 deposit = maximum $2,000 net exposure vs. $2,400+ in Medigap premiums. A healthy retiree can accumulate $10,000+ in 5 years for future large expenses. No Part D drug coverage included — must pair with standalone PDP.
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Send when: A cost-conscious Medicare beneficiary wants to reduce or eliminate the monthly premium burden of a Medigap supplement while still having catastrophic protection — especially healthy beneficiaries, snowbirds needing nationwide access, and those who rarely hit deductibles.
TRACK 2 - SUPPLEMENTAL AND GAP COVERAGE
HOSPITAL INDEMNITY
Tax Free Cash to Pay for Hospital Expenses
36 million Americans are hospitalized each year. A 3-day hospital stay averages $30,000 — yet most health plans require a $2,000–$5,000 deductible plus 20–40% coinsurance before paying 100%. Hospital indemnity policy pays preset cash amounts directly to the client — not to the hospital — within days of claim approval: $150 per ER visit, $250 per ambulance, $1,000 flat admission benefit, $300 per inpatient day (days 2–10), +$200 ICU daily add-on. Cash is unrestricted — deductibles, mortgage, childcare, lost wages. Premiums: often $12–$25 per paycheck. Guaranteed issue during open enrollment for group plans. Example: 4-day stay with ER visit + ambulance = $2,600 in indemnity cash, covering the entire $2,000 deductible and coinsurance with room to spare.
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Send when: A client has employer-sponsored health insurance but still faces significant out-of-pocket exposure from deductibles and coinsurance — especially those on HDHPs. The highest-value, lowest-cost supplemental plan conversation for employed clients.
CRITICAL ILLNESS
Tax-Free Cash to Pay for Critical Illness Expenses
3,000+ Americans are diagnosed with cancer every day. Heart disease and stroke rank close behind. Up to 60% of cancer-related costs — experimental drugs, travel, lodging, lost wages — are not covered by health plans. 1.5M+ households raid retirement accounts or borrow against home equity each year to pay uncovered medical and living expenses. Critical Illness policy: lump sum paid upon diagnosis of covered condition (cancer, heart attack, stroke, kidney failure, organ transplant, paralysis). Benefit amounts: $25K, $50K, $100K, or $200K. No receipts required — spend however needed. Premiums age-based: lock in early. Real case: Andrea, 43, pancreatic cancer — $200K CI policy funded 14 months of experimental therapy ($120K) plus mortgage and utilities while unable to work ($80K). Cancer now in remission. Still owns her home.
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Send when: A client has a family history of cancer, heart disease, or stroke — or any client who has said they couldn't survive financially without their income for 6+ months. Often best paired with a disability income conversation.
ACCIDENT INDEMNITY
Tax-Free Cash to Pay for Accidental Injuries
750 Americans every 10 minutes — 39 million per year — seek medical help for accidental injuries. HDHPs expose families to $6,000+ before insurance pays 100%. Accident Indemnity: pays preset dollar amounts for specific injury events — $100 for X-ray, $1,200 for fracture, $150 per ER visit, $250 per ambulance, $150/day hospital stay — within days of claim approval. No spending restrictions. Family coverage: one plan covers spouse and kids; benefits paid per covered person per accident. Wellness rider pays $50–$100 annually for preventive check-up. Example: fractured arm claim — $1,200 fracture + $250 ambulance + 3-day hospital at $450 = $1,900 in accident cash against $2,800 out-of-pocket on the health plan. Net client cost: $900. Premiums: $15–$30/month individual, $25–$50 family.
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Send when: A client has an active family with children in sports, is a DIY homeowner, or works in any physical environment where accidents are a realistic possibility. Especially strong for clients on HDHPs who haven't yet added accident coverage.
HEALTHCARE "GAP" COVERAGE
Fill the "Gaps" in Your Healthcare Coverage
Even "excellent" health insurance leaves behind: hospital/surgical gap (high deductibles and 20% coinsurance), critical illness gap (60% of cancer costs uncovered), out-of-network gap (balance billing when you choose the best specialist, not the cheapest in-network one), dental and vision gap (routine care excluded from most major-medical plans), income gap (health insurance pays $0 toward lost paycheck), and the passport gap (domestic plans stop at the US border). Five supplemental solutions: Hospital Indemnity, Critical Illness lump sum, Gap insurance for balance billing, Dental and Vision plans, and Disability Income insurance. Three-step gap audit: review current policy, prioritize risks, bundle for savings.
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Send when: A client recently received a large unexpected healthcare bill despite having "good insurance" — or after conducting a coverage analysis that reveals multiple uncovered exposure areas. This is the overview video before going deeper on each specific supplemental product.
LONG TERM CARE
Preparing for the Cost of Elder Care
7 in 10 Americans will require some form of custodial care in their lifetime. 4 in 10 LTC claimants are under age 60 (accidents, early-onset conditions). Current costs: $6,000+/month for residential care, $2,000+/month for part-time home care — expected to double or triple over 20 years. Medicare and employer health plans cover none of it. Medicaid requires spending down assets first. Traditional LTC insurance: pay-as-you-go premiums or 10-pay contracts. Asset-based LTC: single deposit into an annuity or life contract with LTC rider — principal stays intact if care is never needed. Plan design: daily benefit ($150–$300), benefit period (2, 3, 5 years, or unlimited), inflation rider (3% or 5% compound), elimination period (0–90 days), shared benefits for couples. Three-year stay scenario: $250,000–$500,000 — enough to deplete most retirement portfolios.
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Send when: A client aged 40–70 has parents who needed elder care or has mentioned concern about burdening their children. Most effective when planning ahead, before health changes make coverage more expensive or unavailable.
DENTAL COVERAGE
Low Cost Dental Healthcare Coverage
Regular dental exams catch not just cavities but early signs of heart disease, diabetes, osteoporosis, and some cancers. Most major-medical plans exclude routine dental entirely. Cost without insurance: comprehensive exam + cleaning ($120–$200), filling up to $200, root canal ~$1,000, crown ~$1,500, full braces $3,000–$9,000. Four service tiers: Type 1 Preventive (90–100% covered, no waiting period), Type 2 Basic (fillings, extractions, 70–90% covered, 6-month wait), Type 3 Major (crowns, dentures, 50–70%, 6–12-month wait), Type 4 Orthodontics (braces, 50% to lifetime max, usually for dependents under 19). Annual maximums $1,000–$2,500. Sample savings: family of four, one cleaning per adult, two fillings, one crown — insurer pays $1,860, client pays $680, $540 annual premium — net $140 saved before the major work next year.
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Send when: A client has major-medical coverage but no dental plan — especially families with children or adults approaching the age when crowns, implants, and dentures become more likely. Also send to any client whose health plan doesn't include dental benefits.
VISION CARE
Vision Care & Eyesight Correction
75% of Americans need vision correction. The remaining 25% will likely need it as they age. Eye exams detect early signs of diabetes, hypertension, glaucoma, macular degeneration, and some cancers — often before any other symptoms. Most major-medical plans exclude routine eye care, lenses, and frames entirely. Retail costs without insurance: exam $60–$120, frames + lenses $200+, LASIK $1,500–$3,000 per eye. Vision-care membership: typically $150–$180/year; provides one exam at low copay annually or free every two years, $120+ material allowance toward frames/contacts, and 15–50% LASIK discounts at contracted centers. Simple family math: exam + frames for two adults at retail = $700, with vision plan = $290 + $160 plan fee = $450 total, net $250 saved — before any specialty lenses, contacts, or LASIK.
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Send when: A client wears glasses or contacts and doesn't have vision coverage — the ROI case is immediate and simple. Also a natural pairing with the dental video as a combined supplemental bundle conversation.
TRACK 3 - DISABILITY AND INCOME PROTECTION
DISABILITY INCOME
Protecting Your Most Valuable Financial Asset
Your income is a machine that legally creates money — every month, for decades. A 35-year-old earning $75,000/year will generate $2.25M+ before retirement. 1 in 10 workers aged 20–60 will suffer a disability lasting at least 3 months in a given year. 30% will experience one lasting 3+ months before retirement. Average disability lasts almost 3 years. Worker's Comp covers less than 10% (job-related only). SSDI averages under $1,500/month and can take 12+ months to approve. DI policy: replaces 60–70% of pre-disability income tax-free, after a 90-day elimination period, for 2 years, 5 years, or to age 65. Real cases: 42-year-old attorney, migraines and depression, $17K/month in lost income without coverage. 39-year-old accountant, auto accident, neck and back pain. 33-year-old consultant, chemotherapy, 2-year income replacement needed.
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Send when: A working adult has no disability income insurance — especially those whose household financial security depends entirely on their ability to generate a paycheck. Particularly urgent for clients without employer-sponsored LTD coverage.
OWN OCC DI
Protect Your Professional Career Investment
Own-Occupation DI: benefits trigger if you can't perform the material duties of your specific profession — even if you can earn income doing something else. A 35-year-old specialist earning $225K will generate $10M+ before age 65. Group LTD pays only 40–60% before tax and requires "any occupation" inability to claim. Personal Own-Occ DI: replaces up to 70% of pre-disability income tax-free, portable when you change employers or start your own practice, residual benefits pay proportionally when you return to work but earn less than 80% of prior income, and future-increase options let you add coverage as income grows without new medical underwriting. Real cases: 38-year-old attorney with chronic migraines, 33-year-old chiropractor after auto accident, 41-year-old surgeon post brain tumor, 43-year-old orthopedic surgeon on leukemia treatment receiving residual benefits. Premium: 1–3% of income — a fraction of what it protects.
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Send when: A physician, dentist, attorney, accountant, engineer, pharmacist, or any highly trained professional — especially those under 45 whose income is entirely dependent on their ability to practice their specific specialty. The career investment protection conversation.
BOE DISABILITY
Business Overhead Expense Coverage
When the owner of a private practice or small business can't work, revenue crashes — but rent, payroll, utilities, equipment loans, and insurance premiums don't pause. Business Overhead Expense (BOE) Disability Insurance reimburses verified operating expenses — typically for 12–24 months — while the owner is disabled. Covered costs: rent or mortgage, utilities, employee wages and payroll taxes, business and malpractice insurance, loan and equipment lease payments, accounting and legal fees, and a stipend to hire a temporary replacement. Premiums are tax-deductible as ordinary business expenses. Benefits are taxable to the business, but offset by the deductible expenses they pay — resulting in little or no net tax. Premium: typically 1–2% of total annual benefit. Works alongside personal DI: BOE keeps the business alive, personal DI covers your household bills.
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Send when: A private practice physician, dentist, attorney, chiropractor, accountant, or any small-business professional whose business overhead would continue even if they couldn't work. The "keep the doors open while you recover" conversation.
TRACK 4 - INDIVIDUAL HEALTH PLANS AND SPECIALTY COVERAGE
ACA INSURANCE BASICS
Your 5-Minute Guide to Healthcare Insurance
ACA overview for anyone shopping the marketplace: all plans are private insurance, federally regulated, guaranteed issue (no medical questions, no pre-existing condition exclusions). Ten Essential Benefits covered by every plan. Metal tiers: Bronze (60% insurer, 40% client, $7K–$9K deductible — for the very healthy), Silver (70%/30%, only tier with cost-sharing reductions for qualifying incomes), Gold (80%/20%, lower OOP), Platinum (90%/10%). Cost components: deductible → copay → coinsurance → out-of-pocket maximum. Network types: HMO (lowest premium, referrals + in-network only), EPO (no referrals but in-network only), PPO (out-of-network access at higher cost). Subsidy eligibility: premium tax credits for families earning up to 400%+ of FPL. Example: Maria, 45, $52K/year — Silver plan drops from $615/month to $305/month with $310 tax credit, deductible drops from $5,500 to $1,800 with CSR.
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Send when: A client is uninsured or shopping the ACA marketplace for the first time — especially gig workers, early retirees, or anyone who just lost employer-sponsored coverage and needs to understand their options before the enrollment deadline.
MAJOR MEDICAL (HDHP)
Save Up to 40% on Healthcare Insurance
Major medical philosophy: insure catastrophic risk, self-fund routine care — just like auto and homeowner's policies. HDHP: choose a higher deductible ($10K–$20K), lower monthly premium (often 20–40% savings vs. low-deductible PPO). After hitting the OOP maximum, insurance pays 100% of covered charges. Premium vs. risk comparison: low-deductible PPO at $9,600/year ($5,000 OOP cap) vs. HDHP at $5,800/year ($12,000 OOP cap) — worst-case HDHP is $3,200 more, but a healthy year saves nearly $4,000. Pair with HSA for triple-tax advantage. Car crash generating $250,000 in medical bills: with $12K HDHP max OOP, client writes checks totaling $12K instead of facing medical bankruptcy on $250K. Supplemental pairing: Accident, Critical Illness, and Hospital Indemnity plans help fund the deductible.
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Send when: A relatively healthy client is currently uninsured and balking at major medical premiums — or when helping an employer shift their group plan design to control costs. Also effective for clients who want to fund an HSA maximally.
HEALTH SAVINGS ACCOUNT (HSA)
Tax-Exempt Healthcare Savings Account
Low deductibles inflate premiums by up to 40% by encouraging minor claims that are cheaper to pay out-of-pocket. HDHP + HSA: swap after-tax healthcare dollars for pre-tax HSA dollars. Triple tax advantage: contributions deductible, growth tax-deferred, qualified withdrawals tax-free. 2025 limits: $3,150 single / $6,300 family + $1,000 catch-up age 55+. Qualified expenses: doctor visits, prescriptions, dental, vision, chiropractic, acupuncture, hearing aids, orthodontics, LASIK. After 65: withdrawals for any purpose are taxed like IRA income — still tax-free for medical. Portable: stays with employee if they change jobs, no use-it-or-lose-it. Simple math: $9,600 low-deductible plan vs. $6,000 HDHP + $3,000 tax-deductible HSA contribution = $720 tax savings + $4,320 pocketed even after spending the full HSA balance.
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Send when: A client is on an HDHP and doesn't know they qualify for an HSA — or a business owner considering shifting employees to an HDHP + HSA structure. HSA education is universally applicable for anyone not on a first-dollar coverage plan.
SHORT TERM MEDICAL
Temporary Healthcare Coverage
Short-Term Medical (STM): fast, affordable coverage for healthy adults temporarily without permanent health plans — waiting for employer benefits to begin, laid off and unable to afford COBRA, aged off parents' plan at 26, early retirees before Medicare. Coverage begins in 24 hours, lasts 30 days to 12 months. Application: online medical questionnaire, approval in minutes. Covers: ER, hospitalization, surgery, diagnostics, physician care, prescriptions when medically necessary. Key limitations: no pre-existing condition coverage, no preventive care, no maternity, no mental health or substance abuse coverage. Not ACA-compliant. Best paired with: Critical Illness for lump-sum cancer/heart-attack protection, Accident Indemnity for injury events, Hospital Indemnity for daily inpatient cash. Can cancel anytime once permanent coverage begins.
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Send when: A client is between jobs or facing a coverage gap and can't afford COBRA — or a young adult who just lost coverage from a parent's plan and needs something in place while they secure permanent coverage.
HEALTHCARE INSURANCE SPECIALIST
Healthcare Coverage: Pay Less / Get More
Health insurance is alphabetically and structurally confusing — Bronze, Silver, Gold, HMO, PPO, deductible, coinsurance, subsidy eligibility — and choosing wrong costs thousands. Common mistakes: missing premium tax credits (some families up to 400%+ FPL qualify), picking the wrong network (doctor not in plan), choosing lowest premium with a $9,000 family deductible. A licensed Healthcare Insurance Specialist: conducts needs analysis, compares every ACA plan in your ZIP, calculates Premium Tax Credit and Cost-Sharing Reduction eligibility, recommends supplemental gap coverage, handles enrollment and ongoing life-change updates — all at no extra cost (compensated by insurers or marketplace). Real savings example: household earning $62K, $340/month premium tax credit reduces Silver plan from $520 to $180/month + deductible drops from $6,500 to $3,000 — $7,580 in combined annual savings.
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Send when: A client is shopping for health coverage on their own and hasn't engaged a licensed agent — especially self-employed individuals, small business owners, or anyone navigating the marketplace for the first time. Establishes the advisor as the knowledgeable guide rather than just a product seller.
TELEMEDICAL HEALTHCARE
Save Money with TeleMedical Healthcare
Average patient waits 20 days for a primary care appointment, then sees the doctor for fewer than 10 minutes. Telemedicine: 20-minute callback average, 24/7, any day including weekends and holidays. Board-certified physicians consult by phone or secure video, review the patient's e-health profile, diagnose, and e-prescribe to local pharmacy. Membership fee often $10–$15/month — zero per-visit fee, bypasses deductibles completely. 70%+ of routine consultations can be resolved virtually (colds, allergies, sinus, UTIs, rashes, pink eye, medication refills). Financial impact comparison: primary care visit $180 + $25 copay vs. $0 telemedicine; urgent care $200–$250 vs. $0; ER for non-urgent issue $650+ vs. not necessary; 2–4 hours lost work time vs. 20–30 minutes. Includes behavioral health, nutrition coaching, and dermatology photo review at many platforms.
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Send when: A client is frustrated by healthcare costs or long wait times — especially those with young families, frequent minor illnesses, or who live in areas with limited primary care access. Also effective as a voluntary benefit during open enrollment conversations.
TRAVEL MEDICAL
Away-From-Home Emergency Medical Coverage
Most employer health plans, ACA policies, and Medicare offer little or no coverage outside the US. Many foreign hospitals require upfront payment or insurance verification — even in emergencies. Travel Medical Insurance: covers hospital stays, surgery, ER visits, physician care, and prescriptions abroad. Critical feature: medical evacuation and repatriation — air ambulance to the nearest adequate facility or back home when medically necessary (cost $50,000–$200,000). Coverage starts next day, lasts 5 days to 12 months (renewable). 24/7 multilingual case management: coordinates with local doctors, guarantees payment, arranges evacuation. Realistic cost scenarios: abscessed tooth abroad $2,500–$5,000; fractured arm from ski fall $8,000–$12,000; auto accident trauma care $25,000+. Premium: fraction of US health insurance cost. Ideal for vacationers, business travelers, missionaries, expats, students, and early retirees traveling before Medicare.
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Send when: A client mentions an upcoming international trip — vacation, business travel, mission trip, or overseas assignment. Also strong for the "snowbird" client who spends winters outside the US and hasn't considered what happens if they need emergency care.
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Watch the rest of these videos, plus 150+ more!
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Full access to all videos and categories
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Immediately use in your client meetings + follow-ups
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New videos added regularly
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FOR INSURANCE AGENTS AND FINANCIAL ADVISORS
How to use healthcare videos throughout the full client relationship — not just at enrollment
How to use healthcare videos throughout the full client relationship — not just at enrollment
Healthcare insurance conversations repeat. AEP happens every year. Gaps get exposed every time a client gets a surprise bill. New life stages trigger new coverage needs. The advisors who retain healthcare clients for decades are the ones who send one relevant video every quarter — not just the ones who show up at renewal time.
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Medicare: start 6 months before 65
Send the Medicare Introduction video when a client is 64.5 years old. Follow with Medicare Advantage or Medigap based on their physician network preferences. Send Part D before initial enrollment. The advisor who starts this conversation early — before the client starts Googling — is the one who keeps the case.
6-3 MONTHS BEFORE 65TH BIRTHDAY
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Annual Enrollment: re-engage every October
October 1 — send a touchpoint to every Medicare client reminding them AEP opens October 15. The Medigap and Medicare Advantage videos are useful for clients considering a switch. The Medicare Part D video is effective for any client who started a new prescription since last year.
OCTOBER 1 EVERY YEAR
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After any surprise medical bill
When a client mentions an unexpected healthcare expense, send the Healthcare Gap Coverage overview video within 24 hours. Then follow with the specific supplemental product that addresses that gap — Hospital Indemnity, Critical Illness, or Accident Indemnity.
WITHIN 24 HOURS OF THE CONVERSATION
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Disability: the conversation most advisors skip
Disability Income insurance is the most underinsured product category in the advisor's toolkit and one of the highest-premium products available. Send the Disability Income video to any working client under 60 who doesn't have individual DI coverage. Then the Own-Occupation video for any professional client.
ANNUAL REVIEW
Want the Medicare and supplemental sequences automated?
Want the Medicare and supplemental sequences automated?
Advisor Growth members get done-for-you campaign execution — Medicare introduction videos sent automatically at 64.5, AEP re-engagement every October, supplemental coverage sequences triggered by enrollment events. The healthcare follow-up system runs without the advisor managing it manually.
Frequently asked questions
Frequently asked questions
How do advisors use hospital indemnity videos in client conversations?
How do advisors use hospital indemnity videos in client conversations?
Advisors send the hospital indemnity video to clients who have health insurance through an employer but still face significant deductibles and coinsurance when hospitalized. The video explains that a three-day hospital stay averages $30,000 and that most employer plans leave employees responsible for $2,000 to $5,000 in deductibles plus 20 to 40 percent coinsurance before the plan pays fully. The hospital indemnity policy pays a preset cash amount directly to the client — per ER visit, per ambulance ride, and per inpatient day — regardless of what their primary health plan pays. Advisors typically send this video the same week they deliver a benefits analysis or within 48 hours of an open enrollment presentation.
What is the difference between critical illness insurance and hospital indemnity insurance?
What is the difference between critical illness insurance and hospital indemnity insurance?
Hospital indemnity insurance pays predetermined cash amounts based on specific healthcare events — ER visits, ambulance rides, daily hospital admission — and is designed to cover deductibles and incidental costs during any hospitalization. Critical illness insurance pays a larger lump sum upon diagnosis of a specific serious condition — typically cancer, heart attack, stroke, kidney failure, or organ transplant — regardless of whether hospitalization occurs. Hospital indemnity helps with the cost of a stay; critical illness provides a financial safety net for the broader economic impact of a life-threatening diagnosis, including lost income, travel to treatment centers, experimental care, and household expenses during recovery.
What types of clients should receive the Medicare explanation videos?
What types of clients should receive the Medicare explanation videos?
The WebPrez Medicare video library contains five videos designed for different stages of Medicare planning. The Medicare Introduction video is designed for adults approaching age 65 who need a foundational explanation of Parts A, B, C, and D. The Medicare Advantage video is for beneficiaries evaluating whether to replace Original Medicare with a private plan. The Medigap Supplement video is for beneficiaries who prefer to keep Original Medicare and add a supplement to cap their out-of-pocket costs. The Medicare Part D video is for beneficiaries who need to add or review prescription drug coverage. The Medicare Savings Account video is for cost-conscious retirees who want a high-deductible Medicare Advantage structure with a tax-free funded account for expenses. Advisors match each video to the client's current Medicare status and most pressing concern.
Can these videos be used for both existing clients and new prospects?
Can these videos be used for both existing clients and new prospects?
Yes. The WebPrez healthcare insurance library includes videos for both audiences. Prospect-facing videos like the ACA Insurance Basics, Short-Term Medical, and Healthcare Insurance Specialist videos explain how health coverage works and introduce the advisor as the expert who helps clients navigate it. Client-facing videos like Hospital Indemnity, Critical Illness, Dental, Vision, and Healthcare Gap Coverage are designed to be sent after a coverage analysis — showing clients what their current health plan doesn't cover and why supplemental protection matters. Medicare videos serve both prospects approaching 65 and existing clients during the annual October 15 to December 7 Annual Enrollment Period.
How many total videos are in the WebPrez library?
How many total videos are in the WebPrez library?
The WebPrez library contains 150+ client education videos across ten categories: Family Life Insurance, Retirement Life Insurance, Estate Life Insurance, Business Life Insurance, Fixed and Indexed Annuities, Healthcare Insurance, Employee Benefits, Financial Security, Recruiting, and Referrals.
The healthcare insurance category contains 22 videos covering ACA, accident, disability, critical illness, health savings accounts, healthcare gap coverage, long-term care, major medical, Medicare, Medigap, telemedicine and travel insurance.
The healthcare insurance category contains 22 videos covering ACA, accident, disability, critical illness, health savings accounts, healthcare gap coverage, long-term care, major medical, Medicare, Medigap, telemedicine and travel insurance.
Healthcare insurance videos for insurance agents and financial advisors
WebPrez provides insurance agents and financial advisors with 22 done-for-you client education videos covering the full range of healthcare insurance conversations. The healthcare video library includes content on hospital indemnity insurance, critical illness insurance, accident indemnity coverage, Medicare introduction, Medicare Advantage, Medigap supplement plans, Medicare Part D prescription drug coverage, Medicare Savings Account plans, healthcare gap coverage, long-term care insurance, dental insurance, vision insurance, disability income insurance, own-occupation disability income for professionals, business overhead expense disability coverage, ACA marketplace plan basics, major medical high-deductible plans, health savings accounts, short-term medical coverage for coverage gaps, telemedicine benefits, travel medical insurance for international coverage, and healthcare insurance specialist guidance for ACA enrollment. Each video is delivered through a branded advisor landing page and integrates with any email marketing campaign or automated follow-up sequence.
How healthcare videos support advisor marketing strategy and client retention
Healthcare insurance is the highest-touch product category in most advisor practices — clients ask questions throughout the year, coverage needs evolve with life changes, and Medicare beneficiaries re-evaluate their plans every Annual Enrollment Period. The WebPrez healthcare video library gives insurance agents and financial advisors a done-for-you financial advisor content marketing system for every stage of the healthcare relationship: Medicare education videos sent automatically at age 64.5, AEP re-engagement videos sent every October, supplemental coverage videos triggered by coverage analysis conversations, and disability income videos for working-age clients who have never addressed their income protection gap. Advisors who use the healthcare library as part of their insurance agent marketing strategy retain clients longer, generate more referrals, and capture supplemental coverage premiums that most advisors leave on the table by only addressing primary health plan placement.
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