We all hear it every day:
"I pay a huge premium, and still pay out of pocket with my huge deductible".
"Why should I buy that plan that doesn't include my doctor?"
People need to get over it, and stop letting the tail wag the dog.
In a lot of cases, it's almost impossible to match up every doctor to a plan.
So, the client just assumes they have to move to a different doctor or change plans.
But I disagree. Most of my clients including myself buy HSA bronze plans.
Even if the plan did include your doctor, you're still paying the discounted network rate which is close to the cash rate. The only benefit is it goes towards my high deductible. Why not just pay cash, and use your HSA money instead of changing doctors? Your only loss is the $100 doctor visit won't go towards your $6500 deductible.
And we all know, the market will shift/rotate again next year, and you'll be changing your doctors once again, or your current doctor will be back in the network. Don't let the insurance dictate your care, and your doctor relationships. Especially if your a year away from Medicare (supplement)
Instead, focus on selling the few broad based PPO's with no referrals required. I personally bought the Humana OFF exchange Choice care PPO that does not include my 2 family doctors (GYN for wife, and Pediatrician for kids). I had to buy it, as it was the only plan that included the ER room down at the corner, children's hospital, and the 2 great hospital chains in town. I pay for insurance to cover the big stuff (definition of "insurance"), not the small stuff.
If my kids get sick, I'll pay cash to my Pediatrician and tax deduct it using my HSA. If we need to see a specialist, I don't need a referral, and will try or make it a point to stay in network.
Next year, I'm sure my plan will be cancelled, and we'll just see what the market brings. Same goes for seniors close to Medicare. No reason to change their 10+ doctor relationship when they've got 8 months to age 65.
Obviously meant for middle to high income families, or those "poor on paper" (with large assets). Not for the CSR crowd.
Hope this helps.
"I pay a huge premium, and still pay out of pocket with my huge deductible".
"Why should I buy that plan that doesn't include my doctor?"
People need to get over it, and stop letting the tail wag the dog.
In a lot of cases, it's almost impossible to match up every doctor to a plan.
So, the client just assumes they have to move to a different doctor or change plans.
But I disagree. Most of my clients including myself buy HSA bronze plans.
Even if the plan did include your doctor, you're still paying the discounted network rate which is close to the cash rate. The only benefit is it goes towards my high deductible. Why not just pay cash, and use your HSA money instead of changing doctors? Your only loss is the $100 doctor visit won't go towards your $6500 deductible.
And we all know, the market will shift/rotate again next year, and you'll be changing your doctors once again, or your current doctor will be back in the network. Don't let the insurance dictate your care, and your doctor relationships. Especially if your a year away from Medicare (supplement)
Instead, focus on selling the few broad based PPO's with no referrals required. I personally bought the Humana OFF exchange Choice care PPO that does not include my 2 family doctors (GYN for wife, and Pediatrician for kids). I had to buy it, as it was the only plan that included the ER room down at the corner, children's hospital, and the 2 great hospital chains in town. I pay for insurance to cover the big stuff (definition of "insurance"), not the small stuff.
If my kids get sick, I'll pay cash to my Pediatrician and tax deduct it using my HSA. If we need to see a specialist, I don't need a referral, and will try or make it a point to stay in network.
Next year, I'm sure my plan will be cancelled, and we'll just see what the market brings. Same goes for seniors close to Medicare. No reason to change their 10+ doctor relationship when they've got 8 months to age 65.
Obviously meant for middle to high income families, or those "poor on paper" (with large assets). Not for the CSR crowd.
Hope this helps.
