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I received the following email from an existing client. They have had the policy for about a year now. The policy is a World 5K/100% & also have a 5K accident policy. Premium is $195/mth plus $25.95 accident. Family of 4 = 2 adults (33/34) & 2 kids (1/6). Good income for family. I know that a large part of our responsibility is to educate the customer and I have done that. He understands the concept but wife does not want to accept reality.
email:
Hey we have a question about the accident insurance. Is this coverage available without health insurance? We’re looking at the premiums and the amount we still end up paying and it seems like we might be better off without any insurance just paying for our bills as they come. The accident policy is interesting though but just not sure if we can do that without a regular health coverage plan in place. I know this is a bit out there but let me know your thoughts and we can chat more soon. Have a great night!
They did have a bad health year - 1 yr old had ear infections and held her breath once (don't know the tech term). Their doc recommended that she see a cardiologist and have some tests run. They had the test run and everything came out negative (good news). Bill came out to be $2100 after PPO discount applied toward deductible. Total for 1 yr old this year is about $2500.
Wife went and had a total physical (prior to 13th month on policy) because she was feeling tired (results were fine). Total billed was $182 - not covered due to preventative - had she waited till the 13th mth, she would have received $200 wellness benefit (they knew about this).
I know that I will easily save this account after talking some sense to them and showing them some actual bills of what can happen. She used to have a large group policy (years ago) and wants that type of coverage but almost fainted when I showed them the true cost.
I am working with them on new quotes - lower deductible, 80/20 plans, HSA etc.
Point is - people are spoiled by group plans and want everything for free. They don't get it. These are the type of people that hear about universal health care and want to shout it in the streets. I don't think they will have that warm and fuzzy feeling about it while sitting down at Denver General along with the crack addicts, drunks and prostitutes.
email:
Hey we have a question about the accident insurance. Is this coverage available without health insurance? We’re looking at the premiums and the amount we still end up paying and it seems like we might be better off without any insurance just paying for our bills as they come. The accident policy is interesting though but just not sure if we can do that without a regular health coverage plan in place. I know this is a bit out there but let me know your thoughts and we can chat more soon. Have a great night!
They did have a bad health year - 1 yr old had ear infections and held her breath once (don't know the tech term). Their doc recommended that she see a cardiologist and have some tests run. They had the test run and everything came out negative (good news). Bill came out to be $2100 after PPO discount applied toward deductible. Total for 1 yr old this year is about $2500.
Wife went and had a total physical (prior to 13th month on policy) because she was feeling tired (results were fine). Total billed was $182 - not covered due to preventative - had she waited till the 13th mth, she would have received $200 wellness benefit (they knew about this).
I know that I will easily save this account after talking some sense to them and showing them some actual bills of what can happen. She used to have a large group policy (years ago) and wants that type of coverage but almost fainted when I showed them the true cost.
I am working with them on new quotes - lower deductible, 80/20 plans, HSA etc.
Point is - people are spoiled by group plans and want everything for free. They don't get it. These are the type of people that hear about universal health care and want to shout it in the streets. I don't think they will have that warm and fuzzy feeling about it while sitting down at Denver General along with the crack addicts, drunks and prostitutes.