opinion: best catastrophic or Hospital surgical plan

[PMazzapica]

Wondering what everyones opinion is regarding the best hospital and surgical plan. Here in florida I would say Plan 70 with Blue cross blue shield. 80%/20% $250 deductible

 

[Guest]

If you're client can afford it, lose the co-insurance, go 100%.

 

[myinsurebiz]

In GA and SC I prefer American National for catastrophic.

103 year old company. Over 5 Million Policy Holders.

Excellent CAT and HSA.

Tom

 

[somarco]

best hospital and surgical plan

That's like asking which is better, AIDS or pancreatic cancer.

You might want to consider this. A H/S plan will cover, at best, maybe half a large claim. Maybe the BX FL plan is different, but all the ones I have seen have no coverage for outpatient expenses, including Rx not administered while an inpatient. The nominal premium savings is not worth the hassle factor when your client has a major claim and discovers they only bought half a health insurance plan.

 

[moonlightandmargaritas]

Wondering what everyones opinion is regarding the best hospital and surgical plan. Here in florida I would say Plan 70 with Blue cross blue shield. 80%/20% $250 deductible

Boy, if you're gettin' people involved with a $250 deductible on a hospital-surgical policy, I can't wait to get in behind you...

 

[moonlightandmargaritas]

If you're client can afford it, lose the co-insurance, go 100%.

If his client can afford it, they ought to sell them REAL insurance.

 

[Guest]

If his client can afford it, they ought to sell them REAL insurance.

You crack me up 'tiger'

Uh oh, when you change your avatar, I'm going to look so gay, not that there's anything wrong with that, LOL.

 

[Expat]

In GA and SC I prefer American National for catastrophic.

103 year old company. Over 5 Million Policy Holders.

Excellent CAT and HSA.

Tom

99% of those are small life policies. They started out as a debit company.

 

[myinsurebiz]

American National CAT plan

80/20 - $2500 Ded - $5k Stop Loss - $7mm Lifetime

Georgia - $166.34 - $246.91 with out patient

SC - $210.08 - $311.00 with out patient

( Out Patient - separate $1,000 deductible - then 80/20 up to $10k. No RX or Wellness. Pre and Post Hospital / Surgical treated as inpatient )

Golden Rule

80/20 - $2500 Ded - $15k Stop Loss - $3mm Lifetime

Georgia - $258.97 - $331.62 with out patient.

SC - $226.84 - $301.00 with out patient.

( Outpatient - no co-pays but most expenses covered 80/20 after deductible. Has RX and Wellness after deductible unless optional package is chosen - which is limited to $300 and a 12 month wait for adults with a 35% copay )

Where it makes sense - I actually steer people towards the American National CAT and attach our VIP Health Care Savings Card which has preferred rates for Dental, Vision, Hearing, RX and a $2k Accident Plan to it for $99 a month. Even includes repricing for Physicians, Hospitals, etc if better rates than the plans repricing.

If they absolutely have to have co-pays / doctors visits - I steer them towards GR or Imerica - depending on the State. Imerica has unlimited $15 doctor visit co-pays in certain states.

Tom

p.s. - the VIP Health Care Savings Card pays a direct $50 monthly commission or a $25 monthly commission and participation in a 3x3 Infinity Matrix and Matching Check Bonus.

 

[moonlightandmargaritas]

Imerica has unlimited $15 doctor visit co-pays in certain states.

Until they go out of business...again...