Assurant's Rates in Texas

[STIBROKER]

No comment on the HSA comparison Scott?

45 male 78613
https://www.ehealthinsurance.com/eh...-1-55&entryId=1&mcei.app.terminalID=__tid__1_
SaveRight HSA

$138.51 Deductible $5,100 Coinsurance 0%

HSA Compatible Plan 3 (Single)

$142.00 Deductible $5,000 Coinsurance 0%

 

[Crabcake Johnny]

First of all, no 100% coinsurance for family HSA for Unicare? That stinks.

Secondly - male 45 in 78613 Unicare $142. HSA "compatible?" That's trailer trash. Tell them to get an admin. I'd certainly like to know what the benefits are for:

Durable medical equipment
therapy
skilled nursing
hospice care
ground/air ambulance

I guess it's a secret. The Unicare webite apparantly wants me to apply without knowing.

Assurant - same quote - $184 for the regular HSA - preferred is $159.

I'd take Assurant - far superior plan. You can hammer me on PPO copay plans and rates in TX - but Assurant's HSA is superior.

Why would anyone recommend a copay plan anyway? Why doesn't Unicare have 100% family coinsurance? Where's all the policy details?

 

[STIBROKER]

Durable medical equipment covered
therapy covered...and you do not really want me to tell you how assurant covers this..
skilled nursing covered
hospice care covered
ground/air ambulance covered
Why doesn't Unicare have 100% family coinsurance? Where's all the policy details?

read for yourself....


https://www.ehealthinsurance.com/ehealthinsurance/benefits/ifp/Unicare/UnicareTX-HSA-8-06.pdf

 

[Crabcake Johnny]

You want to to compare this to Assurant? Ok.

Unicare:
Ambulance $1,000 cap - air ambulance $5,000 cap (neither would cover the actual expenses) - Assurant is no cap

Therapy - $30 benefit for 12 visits - Assurant is $3,000

Unicare 6 month exclusion for reproductive disorders. Your female clients agree to that? No such exclusion with Assurant

Unicare hospice $10,000 cap - no cap on Assurant

Unicare no speech therapy - Assurant $3,000 benefit

Unicare AIDS - $50,000 limit/$10,000 per year - Assurant no cap

Unicare - no drug coverage if OTC counterpart is available - Assurant no such cap.

You want to compare Chevy to Mercedes? Go ahead.

 

[STIBROKER]

You want to compare Chevy to Mercedes? Go ahead.

yea but what do you drive.......

 

[Crabcake Johnny]

What if you could get the Benz for $50 more a month then the Chevy? Caps on AIDS? Ambulance? $360 benefit for therapy? Scott....you've lost your mind. Assurant is clearly far superior coverage.

You can sell based on rates - I'll sell based on value.

 

[STIBROKER]

What if you could get the Benz for $50 more a month then the Chevy? Caps on AIDS? Ambulance? $360 benefit for therapy? Scott....you've lost your mind. Assurant is clearly far superior coverage.

You can sell based on rates - I'll sell based on value.

little more than that.......45,45,3 kids 78613....looking around I see more chevys on the road than benz's.....

HSA Compatible Plan 2 $5450 ded. then 80/20..... $374.00
ass.one ded $5700 ded then 80/20.......$498.97
ass.one ded $4200 ded then 100%......$720.24.....compared to the prem diff. on plan 2...$4,154.88 a yr. in cash in my clients pock....
HSA Compatible Plan 3 $10,000 ded then 100%......$298.00.compared to the prem diff. on 1ded above..$5,066.88 a yr. in cash in my clients pock

 

[Crabcake Johnny]

The question is Scott, do you compare both Assurant and Unicare plans to your clients, point out that Assurant has better coverage for a higher rate and let them choose? Or do you just ram Unicare up their ass?

 

[Crabcake Johnny]

little more than that.......45,45,3 kids 78613....

HSA Compatible Plan 2 $5450 ded. then 80/20..... $374.00
ass.one ded $5700 ded then 80/20.......$498.97
ass.one ded $4200 ded then 100%......$720.24.....compared to the prem diff. on plan 2...$4,154.88 a yr. in cash in my clients pock....
HSA Compatible Plan 3 $10,000 ded then 100%......$298.00.compared to the prem diff. on 1ded above..$5,066.88 a yr. in cash in my clients pock

So you're telling me you get what you pay for? Cheap rates = cheap coverage? Imagine that.

 

[STIBROKER]

The question is Scott, do you compare both Assurant and Unicare plans to your clients, point out that Assurant has better coverage for a higher rate and let them choose? Or do you just ram Unicare up their ass?

yes...........