Quote for health plan in IN...

[senior-advisor-indiana]

I ran into a lady at a wedding this weekend and she asked me if I could help her. I will call my FMO monday but I wanted to hear what you Individual pro's had to say.

She is on a Golden Rule plan paying $4K+ per year. I beleive she has a $2,500 ded. ( I was a lil tipsy).

Age: 52 or 53
Sex: female
Ht: 5'3"
Wt: 145 ( height and wieght is a guess)
Non smoker and no Rx.
Zip: 46764

Hope thats all the info or atleast good enough.

 

[TXINSURANCE]

This is exactly why I don't do a lot of GR - she must have been blocked out pretty bad over the years.

Unicare 2000 is $242/mo I highly doubt any reputable carrier in IN will beat that rate.

 

[senior-advisor-indiana]

Thanks, I'll do some more checking.

 

[CHUMPS FROM OXFORD]

The Unicare 2000 is a slightly stripped down plan. Only four office visits are allowed (with a copay). It is NOT an 80/20 plan (70/30). $200 deductible on brand name drugs. AND...Unicare has a MUCH higher complaint ratio in Indiana than BC.

The BC policy is better policy for a slightly higher premium. No offense TX, but you wouldn't know any better since you are clear across the country. I'm 30 minutes from the Indiana border. That's why I always warn clients to NEVER buy a policy from someone outside their area. And if they do...they have a standing offer from me to be their servicing agent.

 

[senior-advisor-indiana]

What about American Communtiy?

 

[CHUMPS FROM OXFORD]

I don't know much about them but ajtour52 can tell you everything you need to know about them.

 

[TXINSURANCE]

The BC policy is better policy for a slightly higher premium. No offense TX, but you wouldn't know any better since you are clear across the country. I'm 30 minutes from the Indiana border. That's why I always warn clients to NEVER buy a policy from someone outside their area. And if they do...they have a standing offer from me to be their servicing agent.

I know every market I work, and am well aware of BC of IN - which is the SAME company as UNICARE , FYI both are ANTHEM companies. Plus and minus both ways.

I am sorry you feel I can not represent Indiana - which is of course wrong.

I won't tell you were I grew up I don't want to blow my cover...

hint hint - think corn fields...

lol...

Good luck Chumps no offense taken.

 

[CHUMPS FROM OXFORD]

Tx...Maybe you know In...but not as well as most that are in the local area. The Unicare policy is MUCH different than the BC policy. Maybe you did know that and just forgot to mention that the policy you quoted was a stripped down version. You might as well quote the CoreMed policy as well.

As for me...when someone from this Forum wants a quote, they aren't getting a stripped down policy. Certainly, you are free to quote as you wish, but you may want to indicate the type of coverage you are quoting.



As for where you grew up...quite trite. I grew up in Pa, but I don't live there anymore. It gives me a little bit of an in, but in fairness, the local PA guys can do a better job servicing there than I can.

And don't worry...no offense taken. You're just throwing spitballs at a battleship! And I always enjoy your posts.

 

[somarco]

Anyone with access to a quote engine can find the lowest rate in almost any part of the country. That part isn't rocket surgery.

Finding the best value after factoring in underwriting is the key.

More often than not the lowest rate becomes the worst value after comparing benefits.

BTW, I really don't consider 80/20 to be an advantage over 70/30 plans. If the client has a $2000+ deductible chances are the only way they will hit that is in a situation that involves a hospital stay. Their first day in the hospital, especially if admitted in an emergency situation, is going to see them blow thru the deductible & OOP. The difference in an 80/20 & 70/30 plan is whether you satisfy your OOP at 10 AM or 1 PM.

 

[CHUMPS FROM OXFORD]

Quite true about the 80/20 vs. 70/30. Of course, the Unicare extends the 70/30 to a lot of things that are normally 80/20 in most other policies.