Our plan offers a $0 deductible and no copays for doctor office visits and testing. Telemedicine is the new big thing. We have had it at no cost for years.
We save clients 40% to 60% when compared to Obama Care and older plans with high renewal rates.
We pay up to $6,000 per day for hospital room and board. And cover all other services at 3x Medicare rates.
For 40 years I have met with each client personally or by teleconference in order to make sure you understand our plan.
Our Management Team
Additional Information
Terry Bush is a fellow Hoosier and Senior Partner with over 30 years of experience. Terry is a leader in the industry and a close personal friend of Ron Richards and R&R Agency. Tom Yokopin is the National Sales Director. He is a valued executive leader and associate for over 30 years.
NOTE: With over 100 years of total health insurance experience, our team will be there when you need us.
Photo taken at New Era Life President’s Leadership Conference.
Ron Richards, left, Tom Yokopin, middle, Terry Bush, right
About Us
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LEARN HOW I CAN HELP YOU WITH YOUR INSURANCE NEEDS
Our History
R & R Agency was founded in 1981 by Ron Richards.
We have since been National Sales Leaders for several companies every year. During his 40 years in the insurance business Ron has also owned and operated several successful small businesses (trucking company, country club, bar and restaurant, and auto detailing).
We know what is it like to pay our own insurance premiums
and how hard you have to work to be successful.
Welcome
Thank you for taking the time to visit our website. We have a unique Health Insurance Program written outside of the Obama Care Guidelines.
By insuring people that are within reasonable health guidelines and letting our customers select the coverages they want and need, our premiums are often one half of Obama Care's with much lower out of pocket expenses.
It is our desire to communicate personally with all of our clients and we hope that this website will facilitate that communication.
Once we have minimal personal information (age, zip code, smoker or non smoker and email) we will forward a premium quote along with coverage information for you to review.
Once you have had time to review this information, we ask that you allow us to schedule a short phone conversation to answer your questions and make sure you understand the options available to you.
Please visit our FAQ section for more information. Thank you again. We will work hard to be worthy of your trust.
Do not let the Federal Government and their big insurance company cronies tell you that you have no other option. Now you do!
FAQ
Q. Who would be my Insurance Company?
A. Philadelphia American and Manhattan Life Insurance Companies underwrite the bulk of our program.
They are both highly rated by AM Best and have a long record of excellent customer service.
Q. Can I qualify medically for this program?
A. The underwriting guidelines are very lenient. If you do not have a major illness or facing major surgery, you will probably qualify.
Q. Will I have to take a physical or submit medical records?
A. No. We simply ask you a few medical questions and submit them to the company.
For your protection, the company will verify your answers are correct. That is it.
Q. Should I wait to see what congress will do about changing or repealing Obama Care?
A. Absolutely not! Washington will not risk losing the votes of the millions who are getting a free ride on the backs of hard-working Americans who are footing the bill. They will not change the preexisting conditions coverages or the Federal subsidies (your tax and premium dollars).
These two factors alone are major reasons why the Obama Care premiums and deductibles are so high.
Q. Will I have to pay a penalty?
A. No, recent legislation has repealed the penalties under Obama Care for individuals.
Q. Why are your premiums lower?
A. First, we only insure people who are reasonably healthy. Second, we only write coverages that you want and need. Example: Does a 50 year old married couple really need to pay for maternity coverage? Do you need coverage for drug rehab, abortions etc.?
Q. What happens if I get sick?
A. Our program is guaranteed renewable and we cannot single you out for a rate increase regardless of health problems.
Q. Do I have to pay money upfront?
A. No, you will not be charged anything until you have been approved for coverage. Additionally, you have 10 days to review your policy.
If the policy is returned, your premium will be refunded.
Q. Will this process take a lot of my time?
A. No, a short 5-10 minute phone interview is all that will be required. We will schedule your interview at your convenience. We work early and late. Note: It's ironic that we work so hard in order to pay for the ridiculously high insurance premiums that we don't have the time to look for something better.
Q. Where can I use my coverage?
A. You may go to any doctor or hospital; however, if you stay within the 1st Health Network, you will receive large discounts on your medical bill.
Note: It includes all hospitals in the area including Indiana University Health Systems.