I'm confused,you said it's a mandate. If that's the case how can that one carrier "not" offer it?
Matching the client with the right plan
- Thread starter somarco
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I'm confused,you said it's a mandate. If that's the case how can that one carrier "not" offer it?
- 14,808
If you're association-based you don't have to comply with a single mandate. That's how companies like Mega are allowed to be in literally every state. It's up to the company if they're association-based to decide if they're going to comply.
In MD there's two "biggies" I feel need to be followed - maternity and wellness. In the past the only company who pulled out the "get out of jail free card" was Golden Rule. All other companies complied even though they didn't have to. Assurant has always had maternity and at least one plan with immediate preventative. Golden Rule doesn't offer it and until recently never followed the preventative mandates. So I'll stick with companies that are more client-focused and less focused on profit.
In MD there's two "biggies" I feel need to be followed - maternity and wellness. In the past the only company who pulled out the "get out of jail free card" was Golden Rule. All other companies complied even though they didn't have to. Assurant has always had maternity and at least one plan with immediate preventative. Golden Rule doesn't offer it and until recently never followed the preventative mandates. So I'll stick with companies that are more client-focused and less focused on profit.
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- 14,808
Everyone has to realize that my posts are Maryland-based. It's very hard to discuss generalities when everything is so state specific. In MD Golden Rule chooses not to follow the mandates while other carriers do. So until GR decides to be a better citizen I won't be offering them anymore. I don't care if they're offering $100 a month coverage with a free bowl of soup. It's easy to low-ball the rates when your coverage doesn't match up. Can we discuss that GR doesn't cover any reproductive organs/disorders for the 1st six months?
Ya know, when you don't offer maternity, don't follow the mandates, rider pre-ex conditions and yank away drug coverage for anyone meds it's pretty easy to beat everyone in rates.
Ya know, when you don't offer maternity, don't follow the mandates, rider pre-ex conditions and yank away drug coverage for anyone meds it's pretty easy to beat everyone in rates.
- 14,808
Must be. Maternity is clearly a mandate in MD and they clearly don't offer it.
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- #17
This is not all inclusive, but I see nothing about mandate maternity benefits here
http://www.statehealthfacts.org/cgi...subcategory=State+Mandated+Insurance+Benefits
http://www.statehealthfacts.org/cgi...subcategory=State+Mandated+Insurance+Benefits
I didn't mean to start a controversy here
but it sounds like(to me at least)that GR is trying to get back to the more traditional ways of what health insurance is;or should be. It is there to cover life's unexpected bumps in the road and more often than not maternity is something to be expected and insurance is like every other type company;they are in business to make a profit
but it sounds like(to me at least)that GR is trying to get back to the more traditional ways of what health insurance is;or should be. It is there to cover life's unexpected bumps in the road and more often than not maternity is something to be expected and insurance is like every other type company;they are in business to make a profit- 14,808
I don't follow you here. Are you saying that you signed her up for a plan @ $500 a month that did not cover her meds and that she would need to pay another $380 a month for you to put her in a plan that covered her meds and had a copay feature? thanks.
How many plans do you normally discuss with clients?
-J.R.
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