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The Secure Advantage plan is a comprehensive plan that is head to toe coverage and designed to limit the clients liability by building in ancillaries affordably that reduce their overall exposure.
Exhibit A: The "Secure Advantage" Brochure:
http://www.ushealthgroup.com/Brochures/Security%20Health%20Advisors/IL/SecVal-BR-FLIC-0712.pdf
Page 4: Clearly states that this is a "Limited Benefit" plan. I suppose some may interpret that as "comprehensive". Most insurance commissioners would not, however.
Page 7: Shows what those dollar limitations are per test, treatment, etc..
Page 10: Existing and Pre-Existing Conditions are NOT COVERED for the first full year of the policy! Usually, the people who buy this plan HAVE pre-existing conditions.
A U.S. Health Advisor Agent met with one of my Blue Cross HSA clients last month. I then went by their house and did a comparison, just to point out the potential financial pitfalls (not to mention the IRS penalties) his family could face by owning the Secure Advantage limited/scheduled benefit policy.
The bottom line is that U.S. Health/Freedom Life's Secure Advantage (with C.I., Accident, Wellness riders), cost a few dollars less than a Major Medical. But it's like insuring your $300,000 house with a $0 deductible policy that will pay no more than $100,000 for damage. You're fine for a tree trunk falling on the roof, but a fire, hurricane or tornado will leave you with at least a $200,000 out-of-pocket cost to rebuild. You'll save premium dollars with a limited-benefit home insurance policy, but on the back end, you're potentially screwing yourself big-time.
-AC