Heartland one life Why so shady?

[vic120]

They could be getting their contract from OLA.

Still Shady made it seems they are the only way to get it

 

[rousemark]

I started receiving emails from them, Lately, it been about a dental Plan with a webinar, So I thought I would check it out.

Actually sounded like an interesting plan and mentioned level commission for life but didn't say how much, They did leave a Number which I called like 6 times at different times but no answer

I replied to the email what is the commission? last week

Girl calls today and told me 17% so I thought I would ask they mentioned in webinar its a PPO so I asked if they can go to any dentist She said well that was based on one zip code and I would have to contract to find out what Another zip code would be, (Got to Pass the bill to see whats in the Bill)

She said she could send me some info so I said OK

The info she sent me was a contracting link WTF

The Plan sounded very interesting mentioned previous coverage counting as credible cov on webinar But I have no idea if there are stipulations if they are just a very shady company or what not

Sounds like the guy doing Liberty Bankers Health. I was interested in their cancer plan. They sent info that included everything but rates. I asked for the rates and he said I would have to contract in order to see the rates.. I never did send the contract in. No sense going through contracting with a company without some idea as to whether they are competitive or not.

 

[vic120]

Sounds like the guy doing Liberty Bankers Health. I was interested in their cancer plan. They sent info that included everything but rates. I asked for the rates and he said I would have to contract in order to see the rates.. I never did send the contract in. No sense going through contracting with a company without some idea as to whether they are competitive or not.

 

[goillini52]

Still Shady made it seems they are the only way to get it

I just signed up through Western Marketing. Got a writing # and enrollment site within 5 minutes.

The contract is with Innovative Health Insurance Partners.

 

[myinsurebiz]

I just signed up through Western Marketing. Got a writing # and enrollment site within 5 minutes.

The contract is with Innovative Health Insurance Partners.

Innovative is a HFG / OLA agency partner I believe. They are part of IFG.

 

[myinsurebiz]

Yo Amtrak,

Give us a side by side comparison between this Nationwide product and the Manhattan / CUL product.

 

[goillini52]

Innovative is a HFG / OLA agency partner I believe. They are part of IFG.

That's a very serious accusation Tom!

 

[goillini52]

Yo Amtrak,

Give us a side by side comparison between this Nationwide product and the Manhattan / CUL product.

The National Care product is a PPO that goes up to $5K, covers implants and honors previous coverage as far as waiting periods. It's expensive. The $5K plan is $69 a month and has no hearing coverage and you have to pay $21 a month for vision coverage that's inferior to Manhattan's. Deductible is only $50.

Manhattan's Major tops out at 80% compared to IHIP'S 50%.

Nationwide has a $1,500 plan like CUL does. It costs more and does't cover vision or hearing.

If somebody wants implants, the Nationwide plan looks good. It's a PPO. I live in a town of 4,500 people and it lists 10 different dentists at the same address.

 

[myinsurebiz]

The National Care product is a PPO that goes up to $5K, covers implants and honors previous coverage as far as waiting periods. It's expensive. The $5K plan is $69 a month and has no hearing coverage and you have to pay $21 a month for vision coverage that's inferior to Manhattan's. Deductible is only $50.

Manhattan's Major tops out at 80% compared to IHIP'S 50%.

Nationwide has a $1,500 plan like CUL does. It costs more and does't cover vision or hearing.

If somebody wants implants, the Nationwide plan looks good. It's a PPO. I live in a town of 4,500 people and it lists 10 different dentists at the same address.

CUL is the better deal for the average client then it seems.

What is a good DVH plan for younger folks?

 

[goillini52]

CUL is the better deal for the average client then it seems.

What is a good DVH plan for younger folks?

Manhattan or UCT. Manhattan has a family rate, UCT doesn't. I'm going to start writing UCT's DVR. Priced the same. It's a little weaker on vision, but stronger everywhere else. They go 60% / 70% / 80% 90% / $2,500 and have $0 or $100 deductible. No wait on 1st time glasses / hearing aids. On preventive dental, CUL has no waiting period, UCT has 3 months(but no wait on basic services).