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Divorce.
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.after all, there are cheaper plans.
Divorce.
And Scott, I'd love to be able to sell Unicare from time to time but I don't live in one of the 3 states they sell in
The standard PPO plans are laced with extra OOP in the form of multiple deductibles which have to be met by at least two (usually 3) family members. After those deductibles are met, guess what, there's coinsurance on top of that (Assurant LOVES to price those 80/20s out of oblivion) which is often 50/50 until a few more grand are out of pocket.
And, the copays don't count to the deductible. And, medical expenses are not likely to be pre-tax. And Rx drugs have a separate per person deductible on brand Rx adding even more OOP.
When the agent adequately explains the amount of OOP on the reasonably priced PPOs and compares it to the HSA-compatible plan, far less people will go with the copay PPO than they usually would when the agents focus only on the copays and not the MULTIPLE deductibles (which many agents don't go out of their way to clarify). Case closed. Fat lady is wailing not singing.
more than that.....but I know my co. has the money to pay claims......
Then go Google "Wellpoint lawsuit" and tell them to start paying some.