Anyone Heard of High Def Nation Health Insurance?

Thread has been merged, cleaned up and located in this open forum now that specific information concerning this plan is being made available.

Certain posts or portions of posts were edited or removed because they contained personal information about forum members that cannot be allowed in an open and indexing thread.

As this thread is now open, please consider carefully what you post here and no personal attacks, please.
 
I'm sorry I didn't post sooner. I was at the hospital all day as my cousin was admitted with a mini stroke. He's like a brother to me- we grew up together so I just got home, made dinner for the family and been looking at the sites and info and videos for the past hour.

I received access to the "products". Launch is actually at 10:00 pm tonight. We can't sign on or sign up anyone until after that. This is the health insurance offered.
The websites can "quote" plans for the client. If clients refer 3 people who sign up, they can get their premiums free for one year. I just got this info so I'm still checking it out. I copied this from the site:

Association group insurance benefits provided through an insurance policy (AH 24230–003) issued and underwritten by United States Fire Insurance Company.

This is the top plan from what I can see so far.
Medical Plus $1000/$2000 (per day) Hospital Plan

Individual — $149.95 Family — $199.95

The DENTAL insurance is limited as follows:
Access to Dental HMO, being offered to NAPP members by DeltaCare© USA as a limited association group insurance benefit, is only available to NAPP members.
 
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Dave020 said:
Thread has been merged, cleaned up and located in this open forum now that specific information concerning this plan is being made available.

Certain posts or portions of posts were edited or removed because they contained personal information about forum members that cannot be allowed in an open and indexing thread.

As this thread is now open, please consider carefully what you post here and no personal attacks, please.

Don't take this personally but your feet smell.
 
It doesn't matter what someone posted, I posted directly from the site.
The only disclaimers I see are for the Dental plans - they are NOT insurance but discounts.

Association group insurance benefits provided through an insurance policy (AH 24230–003) issued and underwritten by United States Fire Insurance Company.

Medical Plus $1000/$2000 (per day) Hospital Plan (is this too low?)

Individual — $149.95 Family — $199.95
You also get a hospital advocacy included - I guess to fight paying more than that :)

The DENTAL insurance is limited as follows:
Access to Dental HMO, being offered to NAPP members by DeltaCare© USA as a limited association group insurance benefit, is only available to NAPP members

didnt someone post on here today its a discount plan... did she get the memo or was she out of the loop???
 
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I'm sorry I didn't post sooner. I was at the hospital all day as my cousin was admitted with a mini stroke. He's like a brother to me- we grew up together so I just got home, made dinner for the family and been looking at the sites and info and videos for the past hour.

How would you feel if it was a week from now and they had your plan?
 
Myriad of specialists are covered.
Home Health Care Services, Durable Medical Equipment, Other medical service facilities, Mental health, substance abuse, ambulatory...

24–hour, worldwide air ambulance group benefit1 that includes:
  • Emergency air transportation
  • Emergency accommodation expenses
  • Minor child return with escort
  • Mortal remains transport
  • Transportation of family
  • Vehicle return
  • 24–hour telephone service
  • Emergency cash advances, plus more!
  • Covers 100% worldwide!
Anything else I should ask? I'm just gonna' take the next day or so and read the plans, check out the companies, etc. Thanks for all your input.
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How would you feel if it was a week from now and they had your plan?
From what I'm reading - he would have still been covered!
His hospital bill has been $1000 a day in ICU. This covers $2,000/day. In fact, I think he would have had better care with all the other coverage included.

I guess this thread can close as I stayed until launch date.
Thanks for all your input - good or crazy :1tongue:
 
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Myriad of specialists are covered.
Home Health Care Services, Durable Medical Equipment, Other medical service facilities, Mental health, substance abuse, ambulatory...

24–hour, worldwide air ambulance group benefit1 that includes:
  • Emergency air transportation
  • Emergency accommodation expenses
  • Minor child return with escort
  • Mortal remains transport
  • Transportation of family
  • Vehicle return
  • 24–hour telephone service
  • Emergency cash advances, plus more!
  • Covers 100% worldwide!
Anything else I should ask? I'm just gonna' take the next day or so and read the plans, check out the companies, etc. Thanks for all your input.
- - - - - - - - - - - - - - - - - -

From what I'm reading - he would have still been covered!
His hospital bill has been $1000 a day in ICU. This covers $2,000/day. In fact, I think he would have had better care with all the other coverage included.

I guess this thread can close as I stayed until launch date.
Thanks for all your input - good or crazy :1tongue:

You're going to stick with your story about this being worthwhile coverage aren't you? Do you really think $1,000 per day is the only charge for someone in ICU?

In the program disclosures, it clearly states it is not comprehensive health insurance. How about telling us what it pays toward surgeries?
 


From what I'm reading - he would have still been covered!
His hospital bill has been $1000 a day in ICU. This covers $2,000/day. In fact, I think he would have had better care with all the other coverage included.


Let's assume for the sake of discussion that he would be covered. I don't believe you about the hospital bill. Even more importantly, if you were telling the truth about the bill here, that's on the very low end:

Studies that calculated the cost per patient admission in ICUs have noted a significant variation (e.g. US$1783 to US$78 4351). These differences have been attributed to a number of different factors:

The costs of intensive care


One of her doctors, Ira Byock, told 60 Minutes correspondent Steve Kroft it costs up to $10,000 a day to maintain someone in the intensive care unit. Some patients remain here for weeks or even months; one has been in the ICU since May.

The Cost of Dying - CBS News


We're talking about huge out of pocket exposure here and these limited benefit plans are a band-aid. Maybe a great band-aid, but a band-aid nonetheless. Just like a band-aid they are most likely helpful enough in many situations, but in the event of something serious a band-aid just won't cut it.
 
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