Imago Dei Insurance Advisors

Published: 7/31/2025

What happened?

✅ 𝗕𝗲𝗳𝗼𝗿𝗲 𝗨𝘀:

The owner is single and in good health.

Not risk-averse.

Previously had a policy, but it went up too high and they just never got something else.

Looking for coverage in case of an unforeseen medical emergency.

✅ 𝗔𝗳𝘁𝗲𝗿 𝗨𝘀:

Due to health and risk tolerance went towards a healthshare.

Included DPC to have a trustworthy source for medical advice.

DPC also includes a health advocacy line to navigate the cash pay environment.

𝗧𝗼𝘁𝗮𝗹 𝗰𝗼𝘀𝘁 = $𝟮𝟳𝟳 𝗮 𝗺𝗼𝗻𝘁𝗵

Most people live in two buckets:

1. Do you want to live in a health insurance environment?

2. Do you want to live in a cash pay environment?

Cash pay typically saves you 70% up front.

Even the best insurance plans are utilizing cash pay to manage costs.

𝗛𝗲𝗮𝗹𝘁𝗵𝘀𝗵𝗮𝗿𝗲𝘀 𝗰𝗮𝗻 𝗯𝗲 𝗰𝗼𝗺𝗽𝗹𝗲𝘁𝗲𝗹𝘆 𝘀𝗮𝗳𝗲, 𝗯𝘂𝘁 𝘆𝗼𝘂 𝗵𝗮𝘃𝗲 𝘁𝗼 𝗱𝗼 𝘀𝗼𝗺𝗲 𝗛𝗪:

1. How long has the company been around (the longer the better)

2. Verify how much cash the company is sitting on (can they pay out claims?)

3. Are they independently audited for financial stability?

4. What is their loss ratio? How well are they doing at managing their costs?

If these things come back positive, they are a possible fit.

Case Study: Solo Entrepreneur in TX