Most people don’t rank “insurance shopping” on their favorite-things-to-do list. However, most recognize its importance, most notably if and when an emergency arises. For the last decade, health insurance has been a hot topic for Americans, especially with the installation of the Affordable Care Act (ACA) in 2010. While the long-term status of the ACA is uncertain at this time, the need for quality, affordable health insurance will remain. And, for that reason, people in the community are very thankful for people like Hayes Eagle of Blue Moon Benefits Group.
“I have a ‘feel good job,’” said Hayes. “Most people wouldn’t necessarily put my job in those terms, but I love helping others. When clients come to me, I enjoy helping them find quality programs that work for their unique needs.”
Hayes has been in the field for six years, and specifically, he has worked for Blue Moon Benefits Group since 2013. “I guess you could say it’s in my blood,” said Hayes. “My dad has worked in insurance and finance since the mid-90s, and I loved hearing how he helped individuals and families during times of need. It seemed a good match for my life goals. I enjoy working at Blue Moon Benefits Group because, as an independent agency, we’re able to offer our clients a wider range of products. Whether we work with Blue Cross Blue Shield of North Carolina, United Health Care, Aetna, Humana or another program, we make it a mission to teach our clients about the options available to them, so they can make the smart choice for themselves and their families.”
Education is the foundation of the Blue Moon Benefits Group business model. Hayes makes a point of explaining the options, making sure his clients know what their options are and walking them through the process. Also, with the majority of their clients on Medicare, the agency regularly offers clinics and workshops to those who need to be informed of plan changes and options that are available.
“In addition to health insurance,” said Hayes, “we also offer our clients life insurance as well as small group policies. In our office, we have more than 80 years of collective experience we bring to the table, and we’ve been voted first in the state for independent insurance providers. That’s a distinction we are proud of, and it’s an honor we don’t take lightly.”
While one could simply go online to find a plan, working with an agency like Blue Moon Benefits Group offers a substantial benefit. “There’s only so much the Internet can do in regards to customization,” said Hayes. “No matter what the situation or the unique needs of our clients, we can offer that personal touch that saves both time and money.”
Laura J. is one such client who can attest to this benefit. “When our health insurance changed to a new carrier in 2017, my husband had a hard time getting his medication refilled. We might not have been able to get his refill on time if it had not been for Hayes. I was able to call a local number and get a local representative to help facilitate the situation. With Hayes acting as a liaison between us and Blue Cross Blue Shield of North Carolina, we were able to get the medication refilled on time. Since I don’t speak ‘insurance-ese,’ I’m not sure what we would have done without Hayes. He helped diffuse a very frustrating situation.”
Laura is not alone in recognizing the value of a personal agent. Vonda H. spent almost a year on Cobra after retiring from 30-some years in Corporate America. “I was used to a very robust insurance plan, and while I hated the cost of Cobra, I also wanted a package that would ‘tide me over’ until I qualify for Medicare,” said Vonda. “When I went to see Hayes, he made the whole process so easy. I am still kicking myself that I didn’t see him when my daughter encouraged me to months earlier. He presented options that would have saved me hundreds of dollars if I’d acted sooner.”
“While most people are most concerned about costs,” said Hayes, “there’s no quick answer to that. So much depends on age, economics and size of the family. Thankfully, more often than not, we’re able to offer affordable plans that work for any budget. “Insurance has many layers, and at times, can be complicated, but it doesn’t have to be intimidating. With informed decisions comes greater confidence in the product that is designed to be there for all seasons of a person’s health needs – whether wellness visits, preventative care or emergency situations.”
In addition to health and life insurance, as well as small group plans, Blue Moon Benefits Group also offers ACA-exempt plans. Call to learn more!