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What are your opinions of the rider that can be added to this plan that caps out of pocketexpenses at 3000?
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I've heard people call this a scam and I don't believe it is. I think they are under different ownership since 5 years ago. I was approached by them years ago when they were under a different name and felt their stuff was kinda scammy, unprofessional and not a complete product back then--mostly a membership/discount club with a hospital indemnity plan.
I think they have a much better product now (as of 2 years ago) and I do feel their product does serve a very small niche until the government closes the loophole they are leveraging. I don't think their agents are telling their clients the whole story about the penalty, upgrade fees, and getting tossed off the short term during open enrollment. But then again, if you are only skimming the cream of the crop healthy people, how often do their customers deal with any major claims where these facts would come to light?
Would I sell it? NO...I feel it's a risky time to be captive building a book of business with a product that is potentially heading for a brick wall because of current legislation and an uncertain election.
The chess board is going to totally flip soon anyway and if free market comes back, those of us who are non-captive have nowhere to go but up with u65 products.
I've heard people call this a scam and I don't believe it is. I think they are under different ownership since 5 years ago. I was approached by them years ago when they were under a different name and felt their stuff was kinda scammy, unprofessional and not a complete product back then--mostly a membership/discount club with a hospital indemnity plan.
I think they have a much better product now (as of 2 years ago) and I do feel their product does serve a very small niche until the government closes the loophole they are leveraging. I don't think their agents are telling their clients the whole story about the penalty, upgrade fees, and getting tossed off the short term during open enrollment. But then again, if you are only skimming the cream of the crop healthy people, how often do their customers deal with any major claims where these facts would come to light?
Would I sell it? NO...I feel it's a risky time to be captive building a book of business with a product that is potentially heading for a brick wall because of current legislation and an uncertain election.
The chess board is going to totally flip soon anyway and if free market comes back, those of us who are non-captive have nowhere to go but up with u65 products.