JeremySoper
Expert
- 34
Outside of Open Enrollment without a Special Enrollment Period. What do you consider to be the best options for consumers?
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But WHY do they love the sharing programs? That's the thing to hit on. They sound good in theory until you read all of the fine print.Great feedback so far, I'm curious to see to overall opinion of the Insurance public. A lot of my clients love the Sharing Program options
Understanding the limitations and exclusions is a big part of the conversation, I agree. The preventative benefits are a big like from clients compared to STM's. Also not dealing with the hassle of getting a new plan once the term expires, depending on the state. Depending on who you speak to, these plans work for many individuals.But WHY do they love the sharing programs? That's the thing to hit on. They sound good in theory until you read all of the fine print.
Understanding the limitations and exclusions is a big part of the conversation, I agree. The preventative benefits are a big like from clients compared to STM's. Also not dealing with the hassle of getting a new plan once the term expires, depending on the state. Depending on who you speak to, these plans work for many individuals.
There are still many states that do not fall into that explanation, but it is becoming less and less of a factor I agree. Wellness in most STM plans are not even close to covering the same benefits as Cost-Sharing, although it is nice they include something. Buying a plan solely for the preventative benefit is ill-advised and illogical. With that being said, might as well use it if you have it!STM have terms as long as regular medical plans in most states now so that shouldn't even be a factor. Some also include wellness visits these days. Of course, if you are buying insurance for preventive you are doing it wrong. That's like saying your car insurance should cover an oil change.
The big thing is, what happens if something major happens. You want to make sure you have something solid. Share plans are not that.There are still many states that do not fall into that explanation, but it is becoming less and less of a factor I agree. Wellness in most STM plans are not even close to covering the same benefits as Cost-Sharing, although it is nice they include something. Buying a plan solely for the preventative benefit is ill-advised and illogical. With that being said, might as well use it if you have it!