Ann H. I actually referenced the most comprehensive plans you sell if you are a broker. Copay Select, BCBS Premier, Humana Enh.. Copay, and the Cigna Open Access plans. Those are the plans we're comparing. My point with the other was that you are not being truthful if you're saying you're not selling Anthem Clear Protection plans or Saver 80 plans to people that have no money because you are.
I have some clients in CO (family of 4) who recently purchased our $6K 70/30% with unlimited lifetime max. $40K of critical illness on the primary and spouse, supplemental accident coverage for all covered up to $25K per injury, per insured which satisfies the ded. & coins. and has a $750 ded. $600 hospital confinement benefit for up 30 days a year after 2 day elimination, and disability coverage of $1500/mo for 12 months on the primary for less the $600/mo. Then we guaranteed the rate for 3 years, no rate increases.
Ran rates to see where were compared to comparable plans for just the health coverage. You build that plan anyway you want and guarantee the rate for 3 years and show me what your premium is?
The only people who are being slick here are the one's who are trying to discredit coverage that they are intimidated by and clueless about.
First, don't call me a liar. I have never sold the Saver 80 plan, not to people with limited budget, and not to people "with no money" as you said. We don't even have Anthem and their Clear Protection plan available in AZ, so I've never sold it either. I've never sold a limited benefit or mini-med. I've been in the business 33 years, and haven't lowered my ethics to sell one of those plans even once. So, be careful before you say things like, "you are not being truthful if you're saying you're not selling Anthem Clear Protection plans or Saver 80 plans to people that have no money because you are."
I'm not against fixed indemnity, but since every one I've seen in the last 20 years or so has been limited benefit, it's a red flag.
Second, thanks for the partial data needed to do a comparison. Let's get the rest of the data and march toward a side-by-side. What zip code?. What age, sex, smoker status for the clients? What products did you sell - put up the bene sums or a link directly to the exact one(s) you sold, with details like the correct deductible, oop, etc. What is the premium breakdown for each product?
Since you say we are "uninformed", then inform us. Pull out the product and rates, and let's look.