Anyone Heard of High Def Nation Health Insurance?

[pcbinsurance]

"A "quote' on the website states this -
"I had surgery recently and my membership saved me literally over $30,000..."
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How can their be "quotes"/kudos when it just launched tonight?
If this is insurance, why is the person "quoting" it saying that her "membership" saved her that money?

 

[Suis]

That's not nice. Why get so angry?
I appreciate your caring what I do, but please don't take it so personally. Don't care so much.

GreenSky;604834]I'm convinced that Suis is either the dumbest person ever to post on the forum (and there has been some real competition) or is having a great time screwing with us.
Pretty sure it's the former. Rick[/quote]
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quote=pcbinsurance;604836]
"I had surgery recently and my membership saved me literally over $30,000..."
*********************************************
How can their be "quotes"/kudos when it just launched tonight?
If this is insurance, why is the person "quoting" it saying that her "membership" saved her that money?[/quote]

It's from the main insurance website that HD is now a part of. They have not just launched. Only HD just launched! Yes, of course I saw that and I understood it which is why I thought the "advocate" is what lowered her cost.

 

[rousemark]

Ok - I apologize - geez you guys get so bent out of shape!
I will tell you - Now don't get mad at the truth. True story! Swear on anything precious. But my own sister had a liver transplant and the bill rose to over $400,000 and the "advocate" got it down to less than $80,000. In Chicago
at a top hospital. And his group insurance covered the $80.
Hers was an emergency.

But I AGREE that I would not like to rely on that. ok?
I mean you can't schedule a surgery through an advocate - I understand that.

Not bent out of shape but hate to see another one of these schemes designed to prey on gullible and unsuspecting people. They have been around for years in one form or another and they end up creating a lot of misery for the folks that think they have adequate coverage for a major illness. Even with an advocate getting the bill down to 80K, with this plan your sister would still owe the majority of that out of pocket with this plan. Basically, the health plan is little more than a glorified $1000/$2000 per day hospital indemnity plan.

 

[Josh]

I will tell you - Now don't get mad at the truth. True story! Swear on anything precious. But my own sister had a liver transplant and the bill rose to over $400,000 and the "advocate" got it down to less than $80,000.

Eh. There are many companies that do that professionally. I'm not saying I don't see the value, but that's something you can pay for when you need it (most won't even charge anything other than a percentage of the savings which overall might have left the bill at the $80k or less anyway).

More to the point, what would the HD plan have done for her? Clearly she didn't have the HD plan so she found an "advocate" without it. With big hospital bills like that you can almost knock half right off the top to begin with IF they actually think they're going to get the cash.

You never answered my questions:

A dear friend of mine died about 4 years ago while she was in her mid 20s. One drug alone was $10k every two weeks. How would this plan have covered her? Would I have carried her casket to her grave two years earlier because she wouldn't have been able to afford treatment because her "insurance" wouldn't have covered it?

If something happens to my kid and they need expensive physical therapy to regain the use of their legs after a sports accident, am I going to resent the person that sold me this plan because I thought it was insurance when I got it?

If my doc notices a mole that gets his attention, what would I pay to have it removed? What would it cover for my cancer treatments?

 

[Suis]

Thank you - I appreciate that.
Amidst all of the uproar, I have acquired some genuinely good and interesting knowledge here. Posts like this are well taken. And I do appreciate that you all probably have this same thought at heart.
I will take this information and decide what I will do. If I"m convinced there is a need for this program, I might continue with it. Or quite frankly, if it's easier, I'll stay with what I"m already doing.

Image:

Not bent out of shape but hate to see another one of these schemes designed to prey on gullible and unsuspecting people. They have been around for years in one form or another and they end up creating a lot of misery for the folks that think they have adequate coverage for a major illness. Even with an advocate getting the bill down to 80K, with this plan your sister would still owe the majority of that out of pocket with this plan. Basically thehealth plan is little more than a glorified $1000/$2000 per day hospital indemnity plan.

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Yes - I said that I knew you could use an Advocate but many don't have that chance.

[You never answered my questions:]
Oh, I'm flattered you want my opinion and I'm sorry there were so many posts I must have missed this.
As for your friend and your child needing care, etc.,
Well, there are many who do not have any health insurance at all. So "what ifs" are relative. I am amazed at the # out there without coverage. I was like them at one time due to the poor economy and feel lucky to have left that problem. But silly me - I still only have AP coverage. I need to look into that :-) So, perhaps they would have thought what HD offers is better than nothing.
Before I left health, one of my clients had been paying $300 a month for coverage for him and his child. After the obamacare changes, his policy rose to almost $700 a month. He dropped it. Flat out. Later he called me as he had heard I was offering Ameriplan and he bought the MD health and again, felt comforted that some dr. visits were covered, he could call a 24 hour dr., etc., etc., and in an emergency, he'd have an advocate pitching for him.
I am not saying I agree but some do feel that way. I wonder if HD would be something he'd find affordable?
I don't know what health coverage is today. And I wonder if he could even afford the $199 for the HD benefit. But it's an option - maybe not the best - but they know what they get right up front - at least my clients do.
I don't know what these people would do but I know when I fell and hurt my leg badly, during that time of no health insurance, I paid cash to the dr. who gave me the "contracted rate" anyway and let me pay in payments.
Other than that, I stayed very healthy and was more careful

 

[Norwayguy]

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

Hmmm. I shall ask that question.
A "quote' on the website states this -
"I had surgery recently and my membership saved me literally over $30,000..."
Regina B., Nevada

Am I to assume that the Advocate stepped in for this?

Supposedly, this is group health insurance - is group health insurance very different from Individual? Is this similar to what some get through an employer? I never got into Group health.

I must say that with the economy, many people signed up for our AP "MD health" at $50 a month simply because they could not afford anything more. But I never liked it because that offered no hospital at all. No emergency, etc. And I would explain that to them. Some bought it anyway.
Could this HD plan be an alternative for them?

I wonder if this would meet the requirement for HCR?

Thanks,[/QUOTE]

Interesting how you dismissed anything we mentioned from the websites as it was only prelaunch. But you take as gospel a quote from the same site even though launch hadn't happened yet. Even if launch had happened coverage doesn't go into effect for 15 days. So which is it?
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[In the program disclosures, it clearly states it is not comprehensive health insurance. How about telling us what it pays toward surgeries?

Hmmm. I shall ask that question.
A "quote' on the website states this -
"I had surgery recently and my membership saved me literally over $30,000..."
Regina B., Nevada

Am I to assume that the Advocate stepped in for this?

Supposedly, this is group health insurance - is group health insurance very different from Individual? Is this similar to what some get through an employer? I never got into Group health.

I must say that with the economy, many people signed up for our AP "MD health" at $50 a month simply because they could not afford anything more. But I never liked it because that offered no hospital at all. No emergency, etc. And I would explain that to them. Some bought it anyway.
Could this HD plan be an alternative for them?

I wonder if this would meet the requirement for HCR?

Thanks,[/QUOTE]

You wonder why there will be a special class on how to deal with insurance agents...First I don't sell health insurance as I live in a GI state and there is no market for it. However you clearly show your lack of knowledge in what you are selling or you a purposely ignoring what is right in front of your eyes.

Yes the policy is offered on a group contract. No it is nothing like what most people get through their employer. One big difference is the comprehensive coverage they purchase will pay the amount due or has a prearranged agreement on maximum charges per procedure. Your plan does not have those prearranged agreements they instead limit what they will pay per procedure....Who do you think holds the added risk in this scenario, you got it it isn't the Dr it isn't HD its the client/patient.

Now most people who buy your product will probably be fine because they will be like most people and need to go to the DRs office a few times a year might have a small accident and treated in the ER. But I hope you never have to listen to somoeone you sold one of these plans who needs a lot of care because your plans will do one of two things...Either they will get the treatment they need and be bankrupt from the bills or be denied the treatment unless they can come up with the cash.

I still find it hard to believe someone who was licensed and sold health insurance is unable to see the warning signs right in front of her.

 

[Crabcake Johnny]

Another limited benefit plan but just surrounded but a ton of hype. Nothing to see here.

 

[somarco]

Sorry to hear about your cousin ("mini" stroke). Let's hope they had REAL insurance, not a piece of crap limited benefit plan and an "advocate".

 

[rousemark]

[/i]



Supposedly, this is group health insurance - is group health insurance very different from Individual? Is this similar to what some get through an employer? I never got into Group health.

.

It is a group SPECIAL RISK plan which means it is a Limited Benefit Plan. The most common group Special Risk plans are the group accident plans that cover students..

 

[Yagents]

$1000 a day in ICU......maybe in Haiti.

Advocate saved me $30,000 down from $100,000 at $1k per day = $60,000 bill in your mailbox.

It's group health, most every product is sold in a group format by state law (Associations), but doesn't mean it's major medical or real insurance.

Cheerleaders.......really.........sounds blondish to me