The templates below are merely samples and we are happy to tailor messaging/outreach based on your firm’s specific needs. Please reach out to our marketing team at contact@getcaribou.com with suggestions or requests. Thank you!
Open Enrollment
Every year, health insurance plan changes can have a possible impact on your premiums, in-network doctors and pharmacies, prescription drug costs, and more. For example, 95% of those with Medicare Part D drug plans overspend on their coverage. In addition, your household's needs and financial situation may also change from one year to the next.
Conducting an annual HealthPlanning Analysis with our trusted partners at Caribou, a non-commissioned healthcare planning service, during Open Enrollment season can help assess the best course of action for you.
Details & Timelines
Clients on Medicare from Oct 15 - Dec 7: You can switch your Original Medicare, Medicare Advantage, or prescription drug plan.
Clients on the Marketplace from Nov 1 - Jan 15: You can switch your Marketplace plan or drop COBRA early
Caribou has worked with financial advisors to produce savings potential of over $1,000 per client during the Open Enrollment months. If you’re interested in a HealthPlanning Analysis, reach out to your advisor so they can set up your account.
More information can be found in this brochure.
Partnership Launch Announcement
We are excited to announce that we have recently launched an additional offering in partnership with Caribou! This partnership enables us to expand the areas we’re able to provide financial insights. A major area we’ll be able to include in the financial planning process now is healthcare.
Healthcare and its related costs have become a growing concern amongst clients due to its rising costs and the complexity of decisions. Some examples of questions we get from clients include:
- I’m turning 65. How do I sign up for Medicare and for which specific policy?
- I’ve recently been diagnosed with cancer. How does this change my financial plan?
- What happens to my health insurance if I sell my business or retire?
- How can I estimate and possibly lower my drug costs?
You’ll hear more about this from us over the coming weeks as we integrate the offering into our financial planning approach. We will include details as to when and how you can access the various services that span from help evaluating health insurance options (Medicare, Marketplace, Employer/Group Plans) to navigating medical bills, treatment facilities, long-term care, and more. In the meantime, if you have any questions, reach out to your advisor and they will be happy to provide you with more information.
Medicare Enrollment
If not working/retired
Dear [Client],
Your 65th birthday is coming soon! We’re looking forward to connecting with you beforehand to discuss your plans for this exciting milestone.
We wanted to reach out to offer our assistance in planning your transition to Medicare, which is the health insurance that you move to in the month of your birthday when you turn 65. There are a lot of options and ways you can set up your Medicare; because of that, it can often be confusing to navigate on your own.
As you know, our comprehensive financial planning approach allows us to go deep into this area with the support from our trusted partner (Caribou) in helping clients evaluate plan options and make decisions in this area. This transition to Medicare is tied to your healthcare expenses and therefore your financial plan, so going through the process together would be very beneficial if it’s of interest to you.
If still working
Dear [Client],
Your 65th birthday is coming soon! We’re looking forward to connecting with you beforehand to discuss your plans for this exciting milestone.
We wanted to reach out to offer our assistance in planning your transition to Medicare, which is the health insurance that you can move to in the month of your birthday when you turn 65. There are a lot of options and ways you can set up your Medicare, and we work with a trusted, non-commissioned partner to provide you with financial insight and guidance for your specific needs.
We know that you are still working, so you may be able to keep your current benefits past your 65th birthday. However, it’s a good idea to check with your employer to make sure that’s the case. Sometimes it may also make sense to enroll in Part A in addition to your employer’s insurance. In other cases, it could even make more sense financially to fully transition to Medicare.
As you know, our comprehensive financial planning approach allows us to go deep into this area with the support from our trusted partner (Caribou) in helping clients evaluate plan options and make decisions in this area. This transition is tied to Medicare is tied to your healthcare expenses and therefore your financial plan, so going through the process together would be very beneficial if it’s of interest to you.
Retirement
Above 65
Dear [Client],
We’ve planned for your upcoming retirement and this milestone is soon approaching! We couldn’t be more excited for you.
We wanted to reach out to offer our assistance in planning your transition to Medicare, which is the health insurance that you can switch to once you retire. There are a lot of options and ways you can set up your Medicare and we’d like to help guide you through that process.
As you know, our comprehensive financial planning approach allows us to go deep into this area with the support from our trusted partner (Caribou) to help clients evaluate plan options and make decisions. This transition is tied to Medicare is tied to your healthcare expenses and therefore your financial plan, so going through the process together would be very beneficial if it’s of interest to you.
Under 65
Dear [Client],
We’ve planned for your upcoming retirement and this milestone is soon approaching! We couldn’t be more excited for you.
We wanted to reach out to offer our assistance in planning for your health insurance after you retire. There are a lot of options and ways you can set up your coverage, and we work with a trusted, non-commissioned partner to provide you with financial insight and guidance for your specific needs.
As you know, our comprehensive financial planning approach allows us to go deep into this area with the support from this trusted partner. This offering allows us to help clients evaluate health plan options and make decisions. This transition is tied to Medicare is tied to your healthcare expenses and therefore your financial plan, so going through the process together would be very beneficial if it’s of interest to you.
Prospects
Email One
Subject Line: What sets _Firm Name_ apart? We include healthcare costs in your financial plan!
Hi _Name_,
At _Firm Name_, we believe in truly comprehensive financial planning. Your financial plan needs to address all areas of your life, which is why we offer healthcare planning.
Through a personalized, in-depth analysis, we’re able to include healthcare costs in your financial plan. Your customized HealthPlanning Analysis can help you decide which health insurance options make the most sense for your budget, health needs, and preferences. Best of all, these analyses are completely unbiased because we don’t sell health insurance or make any commissions based on the health plan coverage you choose.
Would you be interested in learning more about healthcare planning and the other comprehensive financial planning offerings available for _Firm Name_ clients?
-Advisor Signature
Email Two
Subject Line: Does your financial plan include healthcare costs?
_Name_, did you know that healthcare costs account for 15% of one’s assets during retirement for an average of $315,000? Imagine having a financial plan that doesn’t account for over $300k in spending! Luckily, _Firm Name_ clients don’t have to.
We’re partnered with a non-commissioned, healthcare planning software company to provide personalized HealthPlanning Analyses for our clients that:
- Match health, budget, and preferences to new health plan options for clients at various life stages (on Medicare, retirees, actively working, etc.).
- Find tax savings opportunities (premium tax credits, medical tax deductions, HSA tax savings, etc.).
- Provide a summary of current coverage and expenses, as well as snapshots for future events.
And rest assured, we do not sell health insurance, so these analyses are completely unbiased. If you’re interested in learning more, I’m more than happy to answer any questions you have.
-Advisor Signature