Service Plans and Fees
Schedule an Expert Review
Book a focused session with a senior insurance consultant from Elanthor to assess coverage alignment, affordability, and claims preparedness. Consultations are evidence-led and include a follow-up summary with actionable next steps.
Pricing tailored to senior insurance needs
Fees are structured to reflect the scope of analysis and implementation support. All engagements begin with a documented scoping call to align deliverables and timelines.
Introductory Call
- 15-minute scoping conversation
- Preliminary eligibility check
- Service scope outline
- No obligation summary
Snapshot Review (Yearly)
- Review of up to 3 policies
- One-hour consultation
- Actionable short report
- Claims checklist
- 30-day follow-up question support
Comprehensive Plan (Yearly)
- Full collection audit
- Implementation roadmap
- Two implementation consultations
- Claims preparation support
- Policy change coordination
- 12-month collection reviews
How We Work with Seniors and Families
Structured, transparent, and practical engagement
Elanthor's advisory process emphasizes clarity and actionable outcomes. We start with a documented intake that records medical history, funding preferences, and care priorities. Next, we perform policy-by-policy analysis, comparing benefits, exclusions, waiting periods, and premium trajectories. Recommendations are ranked by impact and feasibility; each includes a rationale and an implementation checklist. We also identify instances where reallocation of existing premiums produces better coverage alignment than purchasing additional plans. For families, we facilitate joint sessions to ensure expectations and delegation of responsibilities are explicit. Where a claim event is a risk in a client’s horizon, we prepare a claims dossier template to reduce friction at the point of filing. Our work is designed to be auditable and to support informed decision-making without overselling products.
Clients typically identify areas to reduce redundant premiums equivalent to 8-12% of annual insurance spend through consolidation and rider reassessment.
From review to implementation plan, the median time is three weeks depending on medical underwriting timelines.
Our advocacy materially improves client readiness and documentation; insurer responses are typically obtained within expected handling windows.
