CBRE Health Insurance
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A Guide to CBRE Health Insurance
Our agents at Apollo have an in-depth understanding of the unique challenges faced by professionals in the CBRE industry. We are well aware of the fluctuations in income that arise from commission payments occurring at different times throughout the year. We also recognize the complexities of running your own business, including the various expenses that can affect your disposable income, as well as the long hours often worked on evenings and weekends.
Through building strong relationships with hundreds of CBRE professionals, we have gained valuable insights, allowing us to offer a range of products specifically tailored to meet the demands of your professional life as a CBRE agent. We encourage you to speak with one of our agents who truly comprehends your world and has developed customized solutions that cater to your needs. You have dedicated time and effort to become skilled in your craft, so why not take the opportunity to explore the unique options available to you with CBRE health insurance?
Health Insurance For Real Estate Agents: Options Available
Association Group Insurance Plans
When it comes to finding reliable health insurance, it’s important to consider different options and seek advice from individuals who have experience with various plans. As a CBRE professional, it may be beneficial to explore the health insurance plan offered by CBRE. They often provide group policies, which may include dental coverage, saving you time in the process. However, it’s worth noting that these plans may not suit everyone’s specific requirements. Therefore, it’s essential to thoroughly assess the CBRE health insurance plan before enrolling to ensure it aligns with your unique needs.
Brokerage Group Health Insurance
If you are employed by CBRE, they may offer group health insurance for their employees. It’s worth inquiring about the available CBRE health insurance plans in such cases. Keep in mind that most group health plans have a limited enrollment period for new employees, typically lasting 2-4 weeks from the start of employment. Additionally, annual enrollment for the group plan usually takes place at a specific time each year.
The benefits provided by the CBRE group health plan can vary based on your individual needs. Generally, these plans cover medical care, prescription drugs, and routine dental and/or vision care. However, it’s important to be aware that some plans may have a high deductible or exclude certain services like wellness check-ups and cancer screenings. Therefore, carefully consider your personal healthcare requirements to determine if the CBRE health insurance offered by the agency is well-suited to your needs.
Affordable Care Act (ACA) Plans
The Affordable Care Act (ACA), also known as Obamacare or the Marketplace, is a federal legislation in the United States. Under the ACA, every health insurance plan is required to offer Minimum Essential Coverage. Furthermore, households with an income below 300% of the Federal Poverty Level qualify for subsidies.
Short Term Plans
Short-term health plans can provide a crucial safety net for individuals undergoing job transitions or residing in unfamiliar areas. While they offer less extensive coverage than long-term health plans, they can be a valuable option for those without insurance or unable to qualify for other types of coverage. Typically spanning a few months, these plans are well-suited for individuals seeking insurance for a shorter period.
Health Sharing Plans
Health Sharing Plans are non-profit organizations, typically associated with religious organizations, that offer healthcare benefits that may not meet the criteria for Minimum Essential Coverage. These plans might include waiting periods for pre-existing conditions. It is worth noting that Health Sharing Plans are not officially categorized as insurance, but they do provide certain comparable benefits.
Basics of Health Insurance
Individual health insurance plans all fall into one of these 4 networks listed below:
Health Maintenance Organizations (HMOs)
HMOs are organizations that provide a network of medical professionals, including doctors and specialists, to address your healthcare needs. When you become a member of an HMO, you will need to choose a primary care physician who will take care of most of your medical requirements. In case you require specialized treatment, your primary care physician will refer you to a specialist within the HMO’s network.
Exclusive Provider Organizations (EPOs)
If you are looking for a healthcare plan that offers a wide range of doctors and specialists, an Exclusive Provider Organization (EPO) might be a good choice. EPOs specifically cover medical services provided by doctors and specialists within their network, which means that services from healthcare professionals outside the network may not be covered. While having a primary care physician is not typically required in most EPOs, referrals for specialized care are also not necessary.
Preferred Provider Organizations (PPOs)
Preferred Provider Organizations (PPOs) offer broader coverage networks compared to EPOs or HMOs. However, they generally have higher premiums due to the extended network. Similarly to EPOs, PPOs do not require the designation of a primary care provider and do not impose referral requirements for seeing a specialist. It is possible to see an out-of-network specialist under a PPO, although it will usually result in higher costs. For a more in-depth comparison between HMOs and PPOs, you can click here.
Point-of-Service Plans (POS)
If you are looking for a health plan that has lower premiums and are willing to accept a smaller network of providers compared to PPOs, the Point of Service (POS) plan could be a suitable option. Under a POS plan, it is necessary to choose a primary care physician and obtain a referral from them before seeing a specialist. However, if you decide to receive treatment from a specialist who is not in the plan’s network, the cost would be higher.
Basic Health Insurance Definitions
Premium
A monthly payment you have to make to keep your insurance plan.
Deductible
The amount of money you have to pay on your own for your medical needs before your insurance will start assisting. This will be an annual amount.
Copay
A flat rate you pay per health service, like $10 per doctor’s visit or $5 per bottle of medication. Your insurance will cover the rest.
Co-insurance
A percentage you pay for the cost of each health service. For example, on a 10% coinsurance plan you would pay 10% of each doctor visit, medical procedure, etc. before your insurance covered the rest.
Maximum Out of Pocket
The most money a consumer can spend on out-of-pocket healthcare related expenses for the year. Once the maximum out of pocket is met, the remaining bills are paid 100% by the insurance company.
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Benefits of Health Insurance
Health insurance offers several benefits that make it highly advantageous. Firstly, it acts as a financial safety net in the event of unforeseen illnesses or accidents. Without health insurance, individuals would be responsible for paying for all medical expenses themselves, which can be a significant financial strain. Additionally, health insurance covers the cost of preventive care, such as routine check-ups and screenings. This plays a crucial role in early detection of health problems when they are more easily treatable. Lastly, having health insurance provides a sense of security, ensuring that both you and your family are safeguarded in the event of a medical emergency.
Frequently Asked Questions About CBRE Health Insurance
Does CBRE offer health insurance?
CBRE likely offers health insurance plans to its employees as part of their benefits package. For specific details about plan options, eligibility, and enrollment, it’s best to consult CBRE’s internal resources or HR department.
Since CBRE deals with real estate, is there any special health insurance for real estate professionals?
No, there aren’t typically industry-specific health insurance plans. Health insurance offered by employers like CBRE generally covers a wide range of medical needs, regardless of your profession within the company.
I'm interested in working for CBRE. Does the company offer health insurance benefits?
CBRE likely offers health insurance plans as part of their benefits package. You can find more information about career opportunities and benefits on the CBRE website at https://www.cbre.com/careers.
Apollo Will Find the Right Plan for You
Apollo Insurance Group is a health insurance brokerage located in Lee’s Summit, Missouri and Chicago, Illinois. We have been around since 2010, and our mission is to positively impact people’s lives. We do this by fighting to find the best option for our clients, create relationships with our employees, and give back to our communities. Apollo also specializes in Medicare, life insurance, dental, and vision plans. We have agents that are experts on individual health insurance and are ready to help you find the right plan. Fill out our contact form to get in touch with an agent today.
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Individual Health Insurance
Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it's a challenge to navigate and find the right plan for your budget and needs.
That's where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There's no extra cost to you and you'll have an insurance person to always turn to.
Group Health Insurance
Do you want to provide an affordable insurance option for your employees?
Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.
Life Insurance
Let's be honest, we often don't think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.
Dental Insurance
A good smile can be worth a million dollars.
Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.
Vision Insurance
Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.
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