Re: OT- health insurance

Posted by John A. on January 09, 2009 at 21:44:30 from (138.210.118.138):

In Reply to: OT- health insurance posted by Dave from MN on January 09, 2009 at 05:49:25:

Dave, Before you Grip & Moan some more answer this for me....
Are you a tobacco user?
How old are you?
Whats your height & weight?
Kids height and weight?
List your Meds
Kids Meds too?
Is your zip code urban or rural?
Most plans out there are changing in different ways. some good, some not so good.
I will bet you a "Big Red" sodawater when you first visited with this agent your only concern was PREMIUM not coverage!! Assurant....is the old Fortis company and goes back to the old Time Ins Company. Basically an old very well respected company.
Now depending on the type of plan this agent placed you in, you may have some out of pocket expenses. If so they will probably go toward your annual deductable. This is a measure to help keep Premiums lower and allow the company to cost share some expenses with the with the policy holder.
Had you optioned for the Health Saving Account Plan you would have had $$$ in you account to use for these Out Of Pocket (O-O-P) expenses. OBTW you can use before-tax-dollars to fund the HSA it can ride there and be used for Medical expenditures in a non tax position like an IRA. Runs under the same rules and regs as a rule. Some states vary a little, check with your state.
What am I saying here.....I am a Texas Ins Agent. of 16 yrs. If you are anywhere North of 40 yrs old, reasonable health, non-tobacco, very little to no meds. Quite Griping, doesn't sound that out of line to me!
I can't speak to why he hasn't visited with you, nor will I defend him for that! Maybe ya'll had words or something we are not privied to that info here. Again, Truly it doesn't sound all that bat as far as premium, Yes you have more O-O-P expenses here but they probably go toward your Annual Deductable. just the way it is now.
As always you are free to shop around again! This time you may not get as good a company as Assurant! There are surenough worse companies out there. Didn't mean to be short or sarcastic with you here just making a point, Hope this helps.
Later,
John A.

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