IMG / active-billing
Billing & coverage questions
Got a bill that doesn't make sense? An EOB you can't decode? A claim that got denied? We dig in, call the carrier on your behalf if needed, and tell you what's actually happening.
Vol. 9 — Service / Active Support
We don't disappear after enrollment.
Year-round help with billing questions, plan changes, finding a new doctor, appealing a denial — whatever comes up. Same agent, same number, same year-round.
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Plans we represent
Carrier One
Carrier Two
Carrier Three
Carrier Four
Carrier Five
Carrier Six
Carrier Seven
Carrier Eight
What is it
Insurance is a relationship, not a transaction.
Most brokerages enroll you and then move on. The next time you hear from them is the following October when they want you to renew or switch. That's not what we do.
Once you're a client, you have an agent. You can call them. About anything. Your prescription got denied at the pharmacy and you're not sure why? Call us. You're trying to find an in-network specialist? Call us. Your premium went up and you don't understand the notice? Call us.
This is the part of the business that pays nothing in commissions. It's also the part that makes the rest of it work.
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What that looks like
Five things we routinely help with.
After enrollment is when the actual questions start. Here's a sample of what our active support team handles in any given week.
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Plan reviews each year
Every fall during AEP (Oct 15 – Dec 7), we re-evaluate whether your current plan is still the right fit. Plan changes happen every year. We catch them so you don't get blindsided.
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Switching plans when life changes
Moving to a new state? Lost employer coverage? Diagnosed with a new condition? Many life changes trigger Special Enrollment Periods. We'll help you use them.
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Finding new providers
Your doctor retired or left your network? Our team helps you find a covered replacement and confirms they're accepting new patients before you call.
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Appeals & escalations
Got a coverage denial that feels wrong? Many denials get reversed on appeal — but only if you actually appeal. We'll help you build the case.
One more thing
“There's no extra charge for any of this. Your carrier pays our commission once at enrollment and keeps paying a small ongoing amount, which is what funds our active support team.”
Ready to talk active support?
Let's start with your zip code.
A 15-minute call is usually all it takes to figure out which direction makes sense for you. No pressure, no cost, no obligation.