What do you sell?

[somarco]

What kind of plans do you sell? I am surprised to note that some are still selling low deductible, copay plans.

About 20% or so have HSA's. Most popular plans in order . . .

Humana Monogram - $7500 SIR, no copays

GR Plan 100 - $3500 SIR, no copays. Often recommend this when someone wants maternity.

After this I have a smattering of copay plans with $2500 or higher SIR spread over Aetna, KP, Humana.

In the last 3 yrs I cannot think of a single client that has bought anything less than a $2000 deductible.

 

[susieQ]

My clients almost exclusively do HSAs. I also offer accident and Critical Illness to help with the deductible. I have found that the Critical Illness is a great product to offer and I've had clients receive $50 when they've had a heart attack or cancer and be very pleased with the way it worked. I show them by taking a $7,500 deductible with the accident and ci instead of just the HSA $5,000 deductible they actuallyhave more coverage.

 

[Crabcake Johnny]

I'm telling everyone to just wait until they get sick then sign up for the risk pool.

 

[susieQ]

That is a joke right? Pool has 12 month pre-existing.

 

[CHUMPS FROM OXFORD]

Split evenly between High Ded. Copay plans and HSAs.

A smattering of Catastrophic plans thrown in the mix.

 

[moonlightandmargaritas]

60% HSA so far this year...

 

[Crabcake Johnny]

That is a joke right? Pool has 12 month pre-existing.

yes it's a joke but no, MD has no waiting period for pre-ex.

 

[bluemarlin08]

SusieQ, would you elaborate more, what accident critical illness plans do you use? PM me if you like.

 

[bobson]

yes it's a joke but no, MD has no waiting period for pre-ex.

Wow my state pool loses a lot of money. I can't imagine how ugly the books look for MD's!

Explain to me why somebody who had no problem cheating the system wouldn't do just what you suggest?

 

[Crabcake Johnny]

Because an event isn't gonna be covered retro. If you wind up at shock trauma and owe $45,000 without coverage you're screwed. Yes, you can dive onto the state plan at that time but they're not gonna cover that bill.

However, if you're willing to roll the dice that you won't have an expensive accident there's no reason to have a plan in MD. You get sick or diagnosed with anything major then just apply for the state pool.

If you need semi-urgent care we have urgent care centers all over the place. If you just need to see a doctor go to Minute Clinic - they're everywhere in my area: Search by ZIP - reasonable rates: Treatment and Cost at MinuteClinic