ehealth/NFIB Team Up

Jun 10, 2008

  1. moonlightandmargaritas
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    moonlightandmargaritas Guru

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  2. jbage007
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    jbage007 Guru

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    Re: Help support IF.net while bankrupting ehealth at the same time

    Since we are now being inundated by g-ads on every stinking page here (at the top of every forum page), I am taking the opportunity to click on every ehealth ad I see! Not only does this create income for IF.net, it costs ehealth some pocket change every time I click.

    I encourage each of you to do likewise. ;)
     
    jbage007, Jun 11, 2008
    #2
  3. mariemerganser
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    mariemerganser Super Genius

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    Re: Help support IF.net while bankrupting ehealth at the same time

    That's a great idea but unfortunately your computer and Google are smarter than that. Your IP address gets stored and after so many hits to the same page it caps out.
     
  4. Senateguy
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    Senateguy Expert

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    This country will have universal health care before those HSA's stick around. I predict till the cows come home that HSA's will be the things of yesterday in about 10 years. Clients hate them. Parents can't stand them. And the general public doesn't really understand the idea behind them. The savings rate in the United States is negative. HSA's are the brain child of a the health insurance industry and health insurance companies don't understand why clients hate them.

    Health Insurance companies are digging their own grave by pushing them. The only guy who likes the plan is the company that provides it. The employees hate them. Doctor visit costs 100 bucks. The childs vist to the ear nose and throat doctor for tubes in his ear cost 250 dollars.

    They will be yesterday's news. I don't even sell them much anymore. I would much rather see a guy take a high level plan with a copay then a mid level deductible without one. They complain less and feel like they are getting something for their money.

    I am ready to be BBQ'ed on this forum. Fire it up
     
  5. InsuranceBenefitsGroup
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    InsuranceBenefitsGroup Guru

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    I agree with you 90%. The consumers that have maxed out their 401k's, IRA's, etc. and just have money sitting in taxable, interest bearing accounts are truly candidates for the HSA. If they can sock away $570/month tax deferred at 4%, with the line item write off, it's a no brainer.

    I don't go out of my way to push them. Your average know it all consumer wants a co-pay, it's all they talk about after all.
     
  6. MHart
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    MHart Super Genius

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    Well I guess my business will be gone here shortly since 75 percent of my business is HSA's and I have lost 3 clients in almost 2 years of selling them but have lost more people when my clients had purchased a co-pay plans because they could not afford the premium.

    Not sure where I read it or heard it life span of a co-pay plan is 18 months life span of an HSA plan is 3 years.
     
    Last edited: Jun 12, 2008
    MHart, Jun 12, 2008
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  7. moonlightandmargaritas
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    moonlightandmargaritas Guru

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    Same for me Marc. My HSA plans stick like glue...
     
  8. The Rabbi
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    The Rabbi Guru

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    People who fit the profile for HSA tend to be more professsional or self employed. If it is being sold when a copay is more called for, it is bad.
     
  9. Crabcake Johnny
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    Crabcake Johnny Guru

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    and when would a copay be more called for?
     
  10. Guest
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    Guest Guest

    The real problem? Agents don't know how to sell HSA qualified plans.

    Here's a good question to ask:

    If you end up at the doctor tomorrow and it's $100 can you afford it?

    Yes, they say

    If you end up in the hospital and it's $100,000 can you afford that?

    Ding dong the co pay's dead.

    I agree, statistically clients stay on HSA's for three years, more than double co pays because when an HSA goes up after 12 months, it's still less than the co pay plan started at a year ago!!

    ignorance is bliss they say, and universal health care? That's been going on since Hillary was a woman, I mean lady, the First lady that is.
     
    Guest, Jun 12, 2008
    #10
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