American Health Underwriters

[NorthTexas]

Aetna covers in-office testing at the copay

Why does the Aetna brochure not state that???? It said 20% after deductible is met.

 

[Crabcake Johnny]

Only for out-patient lab - not inpatient. When you actually sell instead of guess you know this stuff. In MD for Assurant a mammogram is a flat $65. That's not in the brochure either - it's called knowing your policy.

 

[NorthTexas]

yea....we did not get this personal when we were going at it back in the day......as far as Aetna and lab I have just gone thru 4 years of plan designs and NT is right.....Aetna has always put L and X toward deductible and co~insurance........except for Wellness l & x.....

Only for out-patient lab - not inpatient. When you actually sell instead of guess you know this stuff. In MD for Assurant a mammogram is a flat $65. That's not in the brochure either - it's called knowing your policy.

Wow I wish I was an "expert" like you. LOL I guess Sti must just be guessing to??????????????????????????????? Get a life loser!! Any pencil dck that promotes Assurant over other companies should know?? LOL

I guess I need to call each company I represent and ask abut each plan detail to make sure Im not guessing??? LOLLOLOLOLOLOLL

 

[moonlightandmargaritas]

Get a life loser!! Any pencil dck that promotes Assurant over other companies should know??

Yet another high quality contributor to the forum...

 

[arnguy]

Here in southeastern PA, many of the doctors' offices have discontinued doing lab and x-ray work in-office. An outfit named Quest Diagnostic Laboratories has been opening offices all over the area and medical offices have switched to sending their patients to Quest for the work-up they previously did in-office.

 

[NorthTexas]

Here in southeastern PA, many of the doctors' offices have discontinued doing lab and x-ray work in-office. An outfit named Quest Diagnostic Laboratories has been opening offices all over the area and medical offices have switched to sending their patients to Quest for the work-up they previously did in-office.

Wow that means Aetna wont cover it until deductible is met. What do Peeler dick and John P do then. Im betting not telling the client.

 

[somarco]

Can't say about Charlie, but Sti sells a fair amount of HDHP plans . . . like most everyone should . . . and this crap about lab fee's become a non-issue.

Sell a copay plan, and 90% of the time when I come behind you that client becomes mine.

 

[NorthTexas]

Can't say about Charlie, but Sti sells a fair amount of HDHP plans . . . like most everyone should . . . and this crap about lab fee's become a non-issue.

Sell a copay plan, and 90% of the time when I come behind you that client becomes mine.

There are certain situation where HSA's are not the better option. I have 3 kids and there is no way we could live without a copay plan.

Every time I run into a lead on an HSA they want to change to a copay. First off they dont put the money away. I find that the case with rich and poor people. Even people with the money do not put money in the account. Then when they go to the Doc or get a script they are pissed and confused on why its not covered. SOLD!!

 

[TXINSURANCE]

Agreed.

On the Internet it is clearly co pay mentality. Our non co pay retention is far worse. We had a guy call and complain because his office visit was $90 on a non co pay plan.

We explained he saved over $1400 in premium vs. the co pay plan (he was active for 7 months). He didn't want to hear it - he was still upset about the $90 charge.

I told him we could retro actively change his plan if he paid the $1400 (I was joking). I asked him what credit card he would like to put the $1400 on and to go get it while I wait - then I paused.

Needless to say I was joking to illustrate a point.

 

[STIBROKER]

I was wrong and peeler was right.....carry on.......