Monday, August 24, 2015

Greg Feste To Address Lack of Cancer Coverage In Insurance Policies In Upcoming Commercial Says Feste





— Rezilient Direct is trying to promote and advocate financial protection against cancer with their new series of commercials that tell the stories of real life cancer survivors who have dealt with financial hardship firsthand. "We have people coming to us that are trying to buy cancer insurance, that are already diagnosed with cancer because of all of the things insurance doesn't cover. We are trying to promote the message that you need to financially prepare yourself before a cancer diagnosis with a supplemental policy. It should be a part of everyone's portfolio, just like life insurance", says Greg Feste. RZD is on a mission to create awareness about the lack of coverage in major medical insurance that doesn't pay for many of the costs that come with a cancer diagnosis.

These costs aren't just medically related, many of them are due to things like hotel expenses, gas, food, and other travel costs when going to get treatment. "Many people don't realize that there are so many different expenses that insurance policies just don't recognize. Supplemental cancer coverage is designed to pick up the tab on a lot of those unexpected things that come with cancer. They actually pay you cash benefits, and not just a little bit at a time. This helps to bridge the gap between coverage, and reduces chances of going into some serious debt", stated Greg Feste, RZD CEO. Rezilient Direct Corp was formed to bring this coverage to the market, so customers could buy supplemental insurance with ease. Users can do this by going to the RZD website, and getting a quick quote by entering their medical information.

This tells customers how much their monthly premium will be, and will then direct users to enrolling in a policy of their preference. "We have made this process as quick and easy as possible. Our clients can get a quote, choose a policy, fill out medical information, and get an approval for a policy in roughly 5 minutes. We are pretty proud of that, being the first company to offer supplemental insurance online, with the ability to purchase a policy all online", quoted Rezilient Direct President Greg Feste, of Austin, TX.

To learn more about Greg Feste, or Rezilient Direct you can visit http://linkedin.com/in/gregfeste.

Source: http://marketersmedia.com/greg-feste-to-address-lack-of-cancer-coverage-in-insurance-policies-in-upcoming-commercial-says-feste/89602

Wednesday, August 19, 2015

Greg Feste & Rezilient Direct Supplemental Insurance Commercial | YouTube

 
See the new Rezilient Direct commercial, which outlines the desperate need for supplemental insurance. Among all the changes in our health care system this is a huge wake up call for most Americans. "We have a huge gaps with our healthcare system, and especially our health insurance plans. Our policies help to fill these gaps", stated Greg Feste. With insurance companies fighting to cover less, the need for supplemental insurance is growing rapidly.
 
Watch the video the see how this is affecting others.
 
 
 
To learn more see Greg Feste on LinkedIn or About.me

Wednesday, January 2, 2013

Greg Feste Talks Supplemental Insurance & How Their Innovative Insurance Products Cover Cancer Costs

Greg Feste, CEO of Rezilient Direct announced a new partnership with Heartland National Life Insurance Company to host a new selection of supplemental insurance products that cover cancer costs, and other expensive conditions that most insurance doesn't fully cover.

Posted on Monday, December 10th, 2012 at 9:38 pm 

[Press Release Distribution]
Led by CEO Greg Feste, Rezilient Direct has established themselves as an online pioneer in the insurance world.
“The newly formed partnership with Heartland National will help us to offer a larger portfolio of supplemental insurance products, which gives our clients more of a selection”, stated by Greg Feste, CEO of Rezilient Direct.

Heartland National Life Insurance Company is a leading provider of Supplemental Insurance benefits for individuals, specializing in Medicare Supplement insurance.
Rezilient Direct was established in 2009 by Greg Feste, with ambitions to sell supplemental insurance products directly online, something which other companies like Aflac and Allstate had not yet done.
Rezilient Direct has made supplemental insurance available for purchase directly though their website, which means an individual can sign up for a product, and have it issued to them without ever even speaking to an insurance agent.

Currently Rezilient Direct offers supplement insurance policies that include: Cancer, Heart Attack, Stroke, Accident, Hospital, and even a new Medicare Supplement policy. All of these products pay cash directly to the insured, and cover costs within the “gap” that major medical insurance does not cover. “With our policies, even if a benefit is covered by the insureds major medical plan, it still pays the individual regardless”, quoted Greg Feste.

Supplemental insurance is very affordable, with policies starting at as little as $12/month to protect themselves from costly things such as cancer, heart attacks, ICU hospitalization. All of these cost hundreds of thousands of dollars, and frequently cause people to have to file for bankruptcy.
Greg Feste started Rezilient Direct because in 2007 he was diagnosed with a rare form of Leukemia, and luckily had a supplemental cancer insurance policy. Greg was able to cover out of pocket costs that his main medical insurance policy would not cover. Seeing the enormous value that his cancer policy had, inspired him to make take it to the forefront of supplemental insurance and let others know how to protect themselves if they ever get diagnosed. According to the American Cancer Society, 60% of the costs associated with cancer are not covered by insurance. “This quote says it all, the average Joe can’t just fork over $1,000 a week during radiation and chemotherapy and still be able to pay their bills”, says Greg Feste.

Visit http://www.gregfeste.com for more information.
Contact Info
Name: Greg Feste
Email: gregfeste@gmail.com
Organization: Greg Feste & Rezilient Direct

Sunday, August 7, 2011

Greg Feste Announces New Products for the New Rezilient Direct Website

The Rezilient Direct CEO Greg Feste announces the new products Rezilient Direct will be offering from their new and improved website, set for launch in the fall.


Aug 3, 2011 - Greg Feste's Rezilient Direct is the first company to make supplemental insurance available for purchase, directly from their site. With their concept "Click Today, Covered Tomorrow", which means that clients can go to their site, and purchase a policy from their home, and be covered by that time the next day.

"These products are what we call jet issue, most supplemental insurance policies ask just a few general health questions, that determine if the applicant is eligible. After we get these questions out of the way and determine eligibility, our customers can apply right there, and have an issued policy within a day", says Greg Feste

They will be offering the following products:

Critical Illness: This covers all catastrophic diseases from cancer, heart attacks, strokes, as well as many other significant illnesses.

Accident: This product will basically cover all types of accidents that result in an injury that requires medical attention including emergency room visits.

Emergency Care: This will provide coverage that will protect against emergency room visits, as well as more catastrophic medical needs.

"We are excited, and very anxious to launch our new products", says Greg Feste, the CEO and Founder of Rezilient Direct.

"There are many, many people in this country that are uninsured, let alone under insured. Being under insured in my opinion is one of the major problems within the health care industry as a whole, and the products we are offering fill that essential gap that determines between receiving care, and not receiving care", says Greg Feste.
The Rezilient Direct CEO Greg Feste announces the new products Rezilient Direct will be offering from their new and improved website, set for launch in the fall.

Supplemental health insurance is designed to fill, as well as provide additional coverage that major medical insurance does not cover.

Not only are the Rezilient Direct products essential to a health plan, but they are extremely cost effective. An entire family can be covered for cancer, accidents, emergency room visits, as well as many other catastrophic conditions for less than $40 a month in some cases.

"These policies are so incredibly beneficial, for so little cost, for a policy that will protect an entire family from costs that cancer will not cover, it only costs about $50 a month", according to the CEO Greg Feste.

For more information in regards to Greg Feste please visit: http://gregfeste.wordpress.com/.

To see this orinigal story about Greg Feste please see: http://www.prlog.org/11611774-greg-feste-announces-new-products-for-the-new-rezilient-direct-website.html

Wednesday, August 3, 2011

Greg Feste Announces New Products for the New Rezilient Direct Website


Aug 03, 2011 - Greg Feste's Rezilient Direct is the first company to make supplemental insurance available for purchase, directly from their site. With their concept "Click Today, Covered Tomorrow", which means that clients can go to their site, and purchase a policy from their home, and be covered by that time the next day.

"These products are what we call jet issue, most supplemental insurance policies ask just a few general health questions, that determine if the applicant is eligible. After we get these questions out of the way and determine eligibility, our customers can apply right there, and have an issued policy within a day", says Greg Feste

They will be offering the following products:

Critical Illness: This covers all catastrophic diseases from cancer, heart attacks, strokes, as well as many other significant illnesses.

Accident: This product will basically cover all types of accidents that result in an injury that requires medical attention including emergency room visits.

Emergency Care: This will provide coverage that will protect against emergency room visits, as well as more catastrophic medical needs.

"We are excited, and very anxious to launch our new products", says Greg Feste, the CEO and Founder of Rezilient Direct.

"There are many, many people in this country that are uninsured, let alone under insured. Being under insured in my opinion is one of the major problems within the health care industry as a whole, and the products we are offering fill that essential gap that determines between receiving care, and not receiving care", says Greg Feste.

Supplemental health insurance is designed to fill, as well as provide additional coverage that major medical insurance does not cover.

The Rezilient Direct CEO Greg Feste announces the new products Rezilient Direct will be offering from their new and improved website, set for launch in the fall.

Not only are the Rezilient Direct products essential to a health plan, but they are extremely cost effective. An entire family can be covered for cancer, accidents, emergency room visits, as well as many other catastrophic conditions for less than $40 a month in some cases.

"These policies are so incredibly beneficial, for so little cost, for a policy that will protect an entire family from costs that cancer will not cover, it only costs about $50 a month", according to the CEO Greg Feste.

For more information in regards to Greg Feste please visit: http://gregfeste.wordpress.com/.

The original article can be seen below at:

http://www.prlog.org/11611774-greg-feste-announces-new-products-for-the-new-rezilient-direct-website.html

The Rezilient Direct CEO Greg Feste announces the new products Rezilient Direct will be offering from their new and improved website, set for launch in the fall.

Friday, July 29, 2011

Greg Feste on Cancer Coverage: More Than Just A Sale

Cancer can be a powerful motivator – just ask Greg Feste, who was diagnosed with cancer in December 2007.


Two months later, Feste launched his benefits brokerage, specializing in cancer insurance.

“At the time I had a supplemental cancer policy in addition to my major medical, so I learned first hand how these policies work,” says Greg Feste. “At the end of the day my treatment did not cost me a penny out of my pocket.”

Feste’s diagnosis: hairy cell leukemia, a rare form of blood cancer. His treatment was successful, and he has been in remission and cancer-free for two years. His brokerage, Austin, Texas-based Rezilient LLC, has thrived as well, mostly by putting cancer coverage first and foremost.

In the early days, Greg Feste recounts, he literally stood up to serve as an example of a cancer patient determined to beat the disease. “I did presentations while I was in chemo,” he recalls. “One time, I was out there doing a group presentation for our cancer products with my pump on. You know, I sold a lot of policies that day.”

Taking a diversified, portfolio-based approach helped too. Feste explains: “What I found was that most people who sell in the worksite hook up with one carrier and sell just that carrier’s product. Because of my background in finance, I realized there’s just no way one company can have all the best products in every market. It’s just impossible. So we went out there and found the best product in each segment of the market. Then we put together a portfolio of the best offerings, starting with cancer insurance, disability, and so on, that gave the best benefit for the right price.”

In time, Rezilient added enrollment services, and now enrolls major medical coverage on behalf of referring brokers as well as their own voluntary products.

Cancer products 101

Today there are two types of cancer products on the market. One is a lump-sum policy where the insured buys a face amount and gets that amount as a lump-sum payment upon diagnosis, just as critical illness coverage provides. The other pays a smaller amount upon diagnosis and then pays benefits on an ongoing basis based on treatment protocols. These include benefits for facility confinement, anesthesia, and so on. And according to Lydia Jilek, Unum’s director of product development, “many cancer-only policies provide for a waiver of premium as well as a range of optional provisions such as a first occurrence benefit that pays a lump sum upon initial diagnosis of internal cancer.”

Unum’s policy also provides benefits for experimental procedures.
Jilek also notes two ways in which individual cancer-only policies offer additional flexibility. First, they are individually owned so employees can take their coverage with them when they leave; and second, most policies can cover an employee’s spouse and children as well. They also provide for a lower premium point than a critical illness policy, which would cover more conditions.

Unum is currently looking into developing a new group version of its voluntary cancer policy, according to Jilek, that would include both a lump-sum option and a schedule-based option. Their two-pronged intent: to refresh the product and create a new group product to sell.

At Rezilient, Greg Feste has chosen to sell “Cancer Plus,” Humana’s worksite benefit coverage, because it was one of the first indemnity/cash hybrid products. According to Feste, “you pick an amount up to $50,000 upon diagnosis, and it resets every year. So if you go through the first year, you get to reset the second year and get a second $50,000 benefit upon diagnosis of a different cancer.”

Flexibility in pricing is important too. For example, Aflac offers different products at different price points. “Research we have done over the years has shown us that when employees sit down to talk about these types of benefits, they like to have the ability to pick what’s right for them. So we’re very much into providing those options and choices,” says Karen Riedel, 2nd V.P. of product marketing at Aflac.

The last time Aflac’s cancer line was revised, an analysis of cancer treatment patterns led to an “aha” moment, according to Riedel. “Most cancer plans that pay for ongoing benefits pay for daily treatment, but we noticed that cancer is not treated daily anymore. For example, if you look at breast cancer, they might get treated once a month or every two weeks.” So Aflac switched to a system that pays less frequently but provides greater benefits. “Our current cancer plan provides up to 50% more in treatment benefits just by changing the way we pay them,” Riedel says.

And as part of a desire to stay on the cutting edge, Aflac now pays for vaccines when they come onto the market – specifically Gardasil for cervical cancer right now.

Getting motivated

Why should brokers sell cancer insurance? For the best reason of all – because it’s a product that everybody needs. Says Greg Feste, “I don’t care how good your health insurance is, you’re going to get hit with major expenses. You don’t understand that until you sit in these oncology wards and you hear these stories of people who have mortgaged everything to pay their medical bills, or are facing bankruptcy or other financial difficulties.”

And while some markets tend to favor cancer insurance more than others – such as the health care industry, schools and government entities – it isn’t necessary to target sectors or types of employers. Any group that offers voluntary benefits should include a cancer policy in what it offers. As Feste points out, “everybody fears cancer. Everybody knows cancer treatment costs a lot. So unless you have a plan that’s 100%, it’s very rare that you can’t convince a benefit person to allow you to bring cancer [coverage] in for their employees.”

Once in the door, the first thing Rezilient does is look at the client’s core plan and make sure they understand it thoroughly, “because we need to match our voluntary products with how their core plan is set up,” says Feste. “Once we do that, we can see the holes in the plan, and know that somebody could be at risk if they do get cancer. So cancer becomes pretty much the first product. Then we coordinate with other products, like CI or heart attack and stroke, to cover other things that would be a concern. We also marry an accident policy to our cancer and heart and stroke coverage, because many of our clients have families, and this kind of arrangement protects the whole family. But cancer is our No. 1 product.”

By and large, Rezilient’s cancer products do about three times as well as the firm’s heart attack and stroke products, Greg Feste estimates.

Brokers also need to realize that it’s more than just a sale, Feste advises – it can really change someone’s life when you bring them a benefit check. “If someone’s making $40,000 a year and they have insurance – maybe it’s 80/20 – and they’ve got $45,000 in bills, it means they’re out of pocket for $9,000 off the top. Many people just don’t have it. So when you bring them a $10,000 check for their treatments, they think they’ve won the lottery. It’s rewarding.”



What people believe about cancer

Paying for treatment is among Americans’ top concerns about cancer. If they were to develop cancer, Americans would be most concerned about:

Quality of life: 75%
Being in pain: 72%
Paying for treatment: 69%
Dying from it: 68%
Leaving family in debt: 59%Being unable to work: 61%

Less than half of Americans believe their insurance plans would cover the full cost of treatment.
Only 41% of Americans believe they would be covered for care in a community cancer clinic, where 84% of cancer treatment actually occurs.

More than six out of 10 Americans could not afford $1,000 a month for cancer care, and more than eight out of 10 could not afford $2,500 a month.

Six out of 10 Americans say they would have to go on government assistance to pay the cost of cancer care.

Source: Community Oncology Alliance. Results of a representative phone survey of 1,022 Americans 18 years of age or older conducted in June 2009.

http://eba.benefitnews.com/news/cancer-coverage-more-than-just-a-sale-2682870-1.html

The New Rezilient Direct Site Launching in July, Says CEO Greg Feste

“The new and improved Rezilient Direct website is not only more efficient, but more interactive so users can get more out of their experience”, says CEO Greg Feste.

Rezilient Direct is the first company to take Supplemental “Worksite” Insurance from the work place, to an online platform. “Naturally, supplemental insurance has been really only sold or talked about at the work site, but now, what we have done is given people options to buy directly online from the comfort of their own home”, says CEO Greg Feste.

Rezilient Direct is launching in 48 states, making individuals across the United States able to purchase their product. The Rezilient Direct saying “Click today, covered tomorrow”, goes hand in hand with their concept, and vision for anyone to be able to go to their site, and purchase supplemental insurance directly from their site, within just a few minutes. The coverage they offer is considered “jet issued”, which basically means that there are only 3-4 questions regarding health matters that determine eligibility for being able to attain coverage. Approval only takes 3-4 minutes, and policies are issued in most cases within just 24 hours.

Having pioneered this niche, Rezilient Direct offers a numerous supplemental insurance products including: Critical Illness, which covers cancer, heart attacks, strokes, and various other types of critical illnesses. They also offer different forms of Accident Insurance, with options for additional riders, to attain additional coverage. They also have Emergency Care, which covers out of pocket costs associated with Emergency room visits, from basis to critical.

“The new site has many great new features, more efficient user ability, a wider range of states we can sell product, and more importantly makes us able to directly communicate with users through the site to give them better information about our products”, said Greg Feste.

Greg Feste knows a thing or two about the need for these products. In 2007 he was diagnosed with an extremely rare form of Hairy Cell Leukemia. Luckily, he was diagnosed early, and was in full remission within two years. What made the difference in his case, is that he had a supplemental insurance policy that covered Cancer. For Cancer survivors with just primary health insurance, they know that not all of the costs associated with cancer are covered. In Greg Feste’s case, he would have had to come out of pocket for over $20k without his supplemental insurance policy, but luckily, he had one.

For more about Greg Feste also visit:

 http://www.twitter.com/gregfeste
http://www.linkedin.com/in/cancerinsurance