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Calling these economy plans "major medical" is quite a stretch. You can't even call the "catastrophic".These econcomy plans are cheaper than HSA plans. They are major medical plans with a couple of bells. On these plans I know if someone has a $100,000 surgery it will pay.
Let's say your client has a need for $38,000 worth of outpatient benefits, and the policy you sold them caps that at $25,000...
What happens then? Who pays the other $13,000?