Farm & Ranch Healthcare

Feb 19, 2007

  1. ROGCHAP57
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    Just wanted to see if anyone has had any dealings with this company, saw it on CareerBuilder, looked good but I'm a Newb and at this point anything would look good, well almost anything!
    Thanks
    Roger
     
  2. STIBROKER
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  3. Insuranceman
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    I hear a lot of people complain about all the holes in their coverage thru Farm & Ranch. Many people feel that they were mislead when they purchased it.

    Here in Ohio they use United American / hospital indemnity plan and sell it as major medical plans with a discount card. They contacted me one time to try sell me insurance . I played along and listen to their pitch.
    I can tell you first hand that the person I spoke to was very disceptive
    and high pressure.
     
  4. Michael Haislip
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    Farm & Ranch is the leading agency for United American, so I expect you'll be pushing UA's hospital indemnity plans. There's nothing wrong with them, but don't call them major medical.
     
  5. STIBROKER
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    [quote="Michael HaislipThere's nothing wrong with them, but don't call them major medical.[/quote]

    so whats right about a non~major medical........
     
  6. Michael Haislip
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    Some of us can't get major medical. Enjoy your good health.
     
  7. STIBROKER
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    The system is designed for all of us to get major medical.......
     
  8. Michael Haislip
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    Please explain.
     
  9. STIBROKER
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    well one can go to work for someone with a group health plan(or in some cases have a 2 man group written),or they can get an individual plan(and if declined) ,go to the high risk health pool or a one man group depending on your state....now you might have to go with a high deductible to make it cost effective or affordable but is better than 1/2 a health plan......
     
  10. Michael Haislip
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    You have to look at the individual's situation. Not everyone can just go out a get a job with benefits or form a two-man group. If the person is in Tennessee, those are the only options. Is it better to have some coverage than none? Or is it major medical or nothing?
     
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