Greg Feste on The Need For Supplemental Insurance

August 14, 2011 Leave a comment

Greg Feste is a cancer survivor, and an advocate for spreading awareness of the growing problem of being under insured.

All health insurance policies have gaps in them that require additional out of pocket expenses. According to the American Cancer Association, over 60% of costs associated with cancer are non-medical, therefore not covered by primary health policies.

“Most people have no idea that supplemental insurance even exists”, according to Greg Feste. Supplemental insurance is designed to cover regular medical expenses, from everyday costs, to costs that aren’t usually covered by the average insurance policy.

Historically, less than 8% of the households in the United States have a supplement insurance policy. With the economy being bad, many individuals are being forced to elect higher deductibles, and downgrade their insurance plans for policies that have cheaper premiums.

Advocate Greg Feste believes this, and has made it one of his personal missions to spread awareness of ever growing under insurance in the United States.

There are many different types of supplement insurance, specific types that cover cancer, heart attacks, strokes, catastrophic accidents, hospitalization, long-term care, and more. With many different catastrophic illnesses and diseases, coverage from primary health policies is very limited. When faced with new-age drugs and treatments, a lot of insurance policies will not cover them.

“These policies are a no brainer, they are all extremely cheap and they make a huge dent in paying medical bills in a time when people need them most”, according to Greg Feste.

Reasons to Have Supplemental Insurance

Protect against high out of pocket costs. Many catastrophic illnesses aren’t covered by primary health policies. With a supplement policy, it may cover significant expenses that the insured will have to pay out of their own pocket. Based on the cost effectiveness of this policy, the return is very much worth it.

It pays even if there is an overlap with the primary policy even if a something is covered by a primary insurance policy, a supplemental insurance policy will still pay the insured. How supplemental insurance works is, it is paid as particular benefits are incurred.

So, if there is a hospitalization stay involved for example, the supplemental insurance policy will pay the insured directly for it. If there is an overlap, the insured can use that money for whatever they choose, whether it is used to pay for medical expenses, a car note, or the monthly mortgage payment.

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Greg Feste Announces New Products for the New Rezilient Direct Website

August 3, 2011 Leave a comment

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 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.

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.


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Greg Feste Talks About Supplemental Insurance

July 29, 2011 1 comment

Greg Feste created Rezilient Direct with a vision of everyone having a supplemental insurance policy to protect them against being under-insured in a desperate situation, like being diagnosed with cancer. Greg Feste was diagnosed with cancer in December, 2007 which is what prompted him to  start RZD.

Striving to fill a crucial need in the supplemental insurance space, Rezilient Direct provides quality supplemental insurance products that give customers both security and peace of mind. Rezilient Direct offers Cancer, Heart & Stroke, and Accident insurance at an affordable price to those who have major medical insurance, as well as to those who do not have any coverage at all.

Supplemental insurance is often considered a “security net” for the majority of Americans who are underinsured or uninsured. Handling expenses that primary insurance does not, it offers coverage that is unencumbered by deductibles, co-pays, coinsurance requirements, pre-authorization requirements and other restrictions.

Along with the uniqueness of its offering, supplemental insurance is unmatched in its ease of use. The company allows individuals to acquire policies from the comfort of their homes. The process is surprisingly efficient – only two to six underwriting questions are asked of potential customers. And all information is secure – they guarantee that no personal information will be sold or shared.

RZD chose to focus on Cancer, Heart & Stroke, and Accident supplemental insurance for several reasons. Most notably, the number of people affected by these health issues is staggeringly high. In addition, even those with major medical plans may have high out-of-pocket expenses when dealing with these challenges. “We are seeking to provide coverage for those who don’t have any medical insurance and to assist those who do with the gaps in their existing coverage,” says RZD CEO, Greg Feste.
Serving the majority of Americans who are underinsured as well as the 48 million uninsured, Rezilient Direct  has the best products available for reducing financial risk, all at an affordable price. Rezilient Direct is based in Austin, Texas and serves customers nationwide.

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Greg Feste: From Anti-Cancer Advocate to Cancer Survivor

July 22, 2011 1 comment

An anti-cancer advocate, and large American Cancer Society donor, Greg Feste went from supporting those with cancer, to ultimately being diagnosed with a rare form of Hairy Cell Leukemia in December, 2007.

This motivated Feste to start a Company, that helps individuals financially prepare for the costs associated with cancer that most Major Medical policies don’t cover.

“It was like I was hit with a ton of bricks”, recalls Greg Feste after being diagnosed. “I mean, what do you say? What do I do now? Am I going to live? There are so many questions racing through your head at once, it’s a lot to process at once.”

Greg Feste, once a Cancer advocate, knew what it was like to see people with cancer. “I used to go sit with people and talk to them at cancer centers while they were receiving their chemotherapy, I loved doing it because it really helped them, just a simple bit of conversation can make the biggest difference in a tough time”, says Feste.

One of the businesses that Feste previously owned donated tens of thousands of dollars every year to the American Cancer Society, as well as various other organizations that gave different types of grants to help people that couldn’t afford treatment. “I never thought in a million years that I would be the guy sitting in that chair, never did it even cross my mind”, says Greg Feste.

In December, of 2007 Greg was diagnosed with a very rare form of Hairy Cell Leukemia. Hairy Cell Leukemia is very rare, with only 2,000 people diagnosed every year within the entire western hemisphere.

Usually, rare forms of anything are very bad, but it this case, the particular form of rare Leukemia was fairly curable. After undergoing treatment, as well as Chemotherapy, he was cleared of all Cancer within 6 months of being diagnosed.

For those who endure cancer treatment, there is a point where most think, “Wow, how am I going to pay for all of these bills?” According to the American Cancer Society, the average debt of a cancer survivor is $38,000.

“I had a pile of bills, and shockingly my Major Medical coverage paid close to none of it”, recalls Feste. Luckily, Greg had a supplemental cancer insurance policy. “It literally covered about 90% of all of my out-of-pocket expenses, which was a lot of money. I was amazed, because the policy only cost me about $40/month for the highest level of coverage. I was thinking, wow, I spend that in a week at Starbucks!”

Upon realizing how major medical insurance didn’t cover most of his cancer expenses, Greg started to take a harder look at the supplemental insurance industry as a whole. “The more research I did, the more I realized that there are an incredible amount of gaps in major medical policies, especially when it comes to Cancer particularly” says Feste.

About the Author

Joshua S. Smith is an expert in Internet Marketing, Social Media Marketing, as well as legal, fitness, and health related topics. For more information about Greg Feste see:

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

July 19, 2011 2 comments

“The new and improved Rezilient Direct website it 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.

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Cancer Coverage: More Than Just A Sale, Says Greg Feste

July 10, 2011 1 comment

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 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, 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 Greg 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, 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.