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 Posted: Tue Jan 13, 2009 5:55 am Post subject: |
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| Quote: | | You health insurance agents are so desperate to sell a policy -I would not put anything past any of you. |
Is that so??
Anyway,
| Quote: | | Hey, DGOLDENZ. I've just been 'scanning' the 'Health Discount' stuff. I REALLY don't know what all it DOES cover..or..shall I say DOESN'T cover. Are their any that are 'better' ( lack of a better word) than other ones? Any suggestions? |
Sd, the discount plans often don't cover major health expenses as mentioned by dgoldenz. The discount membership card will merely offer you a discount at the doctors' visits and prescription drugs, but you have to bear the rest of the expenses.
The discount plans are cheap 'cause unlike the insurer the discount provider isn't promising to cover the costs if a covered peril occurred. The health insurance provider would cover the entire medical cost minus the co-pay as and when required. Also, wide range of coverage are available with the insurer which the discount card can't provide you with. |
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JeremyHolter
Senior member
Joined: 06 Jun 2007
Posts: 1163
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| Posted: Tue Jan 13, 2009 10:33 am Post subject: |
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Hi,
Hope you all have hard of the Blue Cross Blue Shield group and the Kaiser Permanente. Kaiser are the biggest non-profiteering HMO and operate across 9 states in America. They offer 30 healthcare centres.
Blue Cross on the other hand offer low premium coverage to you and your family. Their group insurance plans are also good.
Thanks, Fatman |
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fatman
Moderator
Joined: 04 Oct 2005
Posts: 571
103.70 Dollars($)
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| Posted: Tue Jan 13, 2009 7:17 pm Post subject: |
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| Discount cards are only good for RX and doctor visits only just like Jeremy said. |
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insurancebydave
New member
Joined: 08 Jan 2009
Posts: 30
Location: CA
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| Posted: Tue Jan 13, 2009 7:22 pm Post subject: insurance |
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| I don't think ALL of Insurance Agents are bad. ..only SOME have of them have 'rubbed me wrong.' So..i guess medical Discounts aren't good in the long run? Thanks for the advice. |
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sdchargersfan
Senior member
Joined: 21 Aug 2007
Posts: 1692
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| Posted: Tue Jan 13, 2009 7:33 pm Post subject: |
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| I am glad I did not rub you the wrong way. |
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insurancebydave
New member
Joined: 08 Jan 2009
Posts: 30
Location: CA
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| Posted: Tue Jan 13, 2009 7:46 pm Post subject: |
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| You mean us health insurance agents are doing are job Randy! |
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insurancebydave
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Posts: 30
Location: CA
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| Posted: Mon Jan 19, 2009 7:00 am Post subject: |
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The discount plans have their place (mainly for those who cant qualify for traditional health insurance) but that is getting smaller everyday with many states putting together risk pool insurance.
The most cost effective type of plan are QHDPs. They cover the large expenses like hospitalizations or chronic illnesses great after a deductible is met. For all of the small things you get a network discount.
The cost in premiums are a lot lower and your exposure to huge medical expenses are relatively small also. It just seems like a lot of people have a hard time wrapping their mind around this.
The majority of people have been conditioned to the older employer group plan type benefits. When folks get one of these type plans as an individual they usually pay way to much for the benefit they are getting.
_________________
http://newagentsolutions.ampminsure.org |
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beatuplunchbox
Forum Expert
Joined: 26 Apr 2008
Posts: 234
Location: NC
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| Posted: Thu Jan 22, 2009 3:59 pm Post subject: |
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In today's economical crisis, many employers are cutting back on health benefits or totally eliminating group health coverage . . . so what do we do now?
There are many options:
(1) Hospital Indemnity Plans
(2) Mini-Meds
(3) Discount Health Plans
(4) Major Medical Plans
If you were to go into the hospital, had you rather have a health plan that pays you $250 per day, or no health plan at all?
If you went to the emergency room, would you rather have a health plan that pays 50% of the emergency room bill or no health plan at all?
For those who can afford $250 - $350 per month for an individual major medical insurance policy, that's obviously the best way to go.
But for those who can't, some coverage is better than no coverage.
Health insurance agents provide for themselves and their families by selling health insurance. It's just not rocket science.  |
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InsuranceMaze
Community Contributor
Joined: 16 Oct 2007
Posts: 589
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| Posted: Sun Feb 22, 2009 10:48 pm Post subject: |
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I have found a good site with a lot of information and good rates at: insuranceadvicenet.com
Link deactivated by the moderators |
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demsid
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Joined: 22 Feb 2009
Posts: 7
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| Posted: Fri Jul 10, 2009 8:27 am Post subject: |
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Hi,
Lots of online websites provide health insurance plans. I have bought a health insurance plan from cvty-healthinsurance.com for my mother in law. In my opinion it has better health insurance plans for all. |
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joseanderson
New member
Joined: 27 May 2009
Posts: 4
1.87 Dollars($)
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| Posted: Thu Aug 20, 2009 5:08 am Post subject: |
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| If you are looking for a health insurance plan that best fits your every need check out online or Humana Health insurance there are many great deals available now that are not only affordable but give you the coverage that you want. |
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henryturner
New member
Joined: 22 Jun 2009
Posts: 3
Location: New York
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| Posted: Thu Aug 20, 2009 10:59 pm Post subject: |
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| I would try going to an insurance directory that compares prices of different companies. Sometimes it's better not to go off solely off of a consultation with an agent; Randy M is kind of right... |
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joyhealth
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Posts: 5
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