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Mike.gibble

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    Maryland
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    Health Insurance

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  1. Correct, don't know why they title it that way. And yes, it is a major medical plan. Any challenge accepted my friend. I stand behind the coverage that I have for myself and my family. If there's anything better on the market, please bring it to my attention so I will produce those plans.
  2. Yes. The coverage is on the Cigna Nationwide PPO so the insurance policy taken in the person/families' home state is the coverage that travels with them.
  3. That's right, I am trying the help individuals and families try to obtain what, in my opinion and I haven't found anything better for my personal family as we have this insurance, the top coverage on the market. You have to qualify. Period. But if you do, it will not disappoint. I do not know why it is called, "specified disease/sickness plan" and yes there are exclusions that vary from state to state which is why you have to reach out to a licensed agent in that State. I am only licensed in 6 States so can't talk to all of the details in all of them. There is no perfect Health Insurance plan. It doesn't exist. We deal with what is available. Every plan has exclusions, every plan has the fine print. Regardless of the carrier. Just like RV insurance.
  4. Blues and Zulu, I've tried to explain things as best I can on the forum since the plans have a great deal of details and options but these vary from State to State. As you can see in my signature line, I'm licensed in just 5 of them so can't simply blanket post brochures of the coverage as the variations would be false advertising depending on the specific State the person is in. The US Health Group knows this as well which is why it can be taken that they are not being transparent but, in fact, they are trying to abide by the health insurance regulations for the Feds and every State on one website. We just had this issue where I live in Maryland where outside agents within our own company were not used to the different details for the State and told potential clients curtain details that were not true for the coverage available here. Due to this, Maryland and Pennsylvania have close their borders to outside non-resident agent. So only resident agents can sell the coverage within their home State. I'm not trying to make excuses but the details and insurance regulations vary ALOT between States so I'm just trying to explain. But I can definitely understand how it can be taken as a lack of transparency! All I can say is reach out to agents and they will review the plans, options and details until there are no more questions. We are required to do in person or screen share presentations to all potential new clients to review the coverage and answer all questions.
  5. Ok. Let me try to review everything. This post may get a little long so bare with me. We offer 3 kinds of coverage products available for sign up year round and cancellable at anytime because they are off the ACA. All are on the Cigna Nationwide PPO. Two of those products the party must qualify for from a health perspective and are underwritten. The other is a guaranteed approval coverage. All the plans are broken out into 3 parts, sickness/disease, accident and health/wellness because the benefits are different depending on the plan options. So let me go through the 3 coverage options; SECURE ADVANTAGE (Major Medical TYPE Coverage also a hybrid of the best parts of most medical options on the market) - underwritten coverage from a health perspective - No Co-pays or money due at any doctor visit - Fixed deductible options for sickness/disease and accident (80/20, 70/30, 60/40) with deductible options set at $5,000, $7,500 or $10,000. -Coverage is guaranteed for any major medical occurrence until client is 65 yrs old with the exception of mental/emotional disorders and maternity. - The health/wellness part of this plan is a fixed indemnity coverage where the client is guaranteed to get that monetary benefit amount regardless if the doctor charges less for the visit. If the doctor charges less for the visit, the client will get a check in the mail for the difference. - Supplements to this plan are additional accident protection (you can get money to match funds spent towards the deductible), critical illness protection (maximum check amount to cover ancillary bills like morgage etc during treatment), income protection (up to $1,500 for 12 months while recovering from any treatment), Dental and Vision Plans are available also. PREMIER CHOICE (Fixed Indemnity Coverage) - underwritten coverage from a health perspective - No co-pays or money due at any doctor visit - No deductible plan and has 3 levels of fixed benefits for everything except mental/emotional disorders and maternity. This plan is also broken out into sickness/disease, accident and health/wellness. - Riders included to guarantee insurability, even during a claim, to move up benefit levels - Rider included to guarantee insurability to a $4,000 deductible during a catastrophic event covered up to $25 million. - All 3 levels of this plan is a fixed indemnity coverage where the client is guaranteed to get that monetary benefit amount regardless if the doctor charges less for the visit. If the doctor charges less for the visit, the client will get a check in the mail for the difference. If the charges are over the benefit amount, the client will be responsible for the difference. HEALTH ACCESS (Fixed Indemnity Coverage) - plan is guaranteed approval with no underwriting - No co-pays or money due at any doctor visit. - No deductible plan and has 1 levels of fixed benefits for everything except mental/emotional disorders and maternity. This plan is also broken out into sickness/disease, accident and health/wellness. - Level of this plan is a fixed indemnity coverage where the client is guaranteed to get that monetary benefit amount regardless if the doctor charges less for the visit. If the doctor charges less for the visit, the client will get a check in the mail for the difference. If the charges are over the benefit amount, the client will be responsible for the difference. - This plan comes with an independent business association membership which includes programs like; tax talk, WebMD (24/7 doctor website visits where prescriptions can be written over a web video call), catastrophic medical coverage etc. Obviously there are many more details depending on the person's resident state and options. But I tried to outline the highlights of the coverage options. Please keep asking questions or reach out to me with them privately. I'm here to help as much as I can for my fellow RVers and campers. I hope everyone is staying safe and well during this trying time!
  6. Thanks Kirk. I will take a look and put all this information on my profile
  7. Blues; you are correct in your analysis. These are major medical type coverage. The coverage is a hybrid of major medical, meaning 80%/20% with a $5,000 deductible for catastrophic instances but have fixed indemnity benefits for annual screenings or physicals. The reason the plans are outside the ACA is that they do not cover maternity or mental/emotional disorders and are underwritten from a health perspective. Again, these plans are all on the Cigna Nationwide PPO.
  8. The plans are offered to residents in 35 different states but the PPO is available nationwide. I tried to enter my contact information under my profile "about me" section if anyone is interested in reaching out to my personal cell phone to explore more. I am always open to analyzing a person or family's health insurance situation to see if we can work out better options whether it is with me or others. I always try to recommend the most appropriate way forward.
  9. The insurance company is the US Health Group, a United Healthcare Company
  10. Kirk, you are correct. The asking for the driver's license is simply to verify that the insurance card matches the identification card (driver's license or ID). Health insurance cards typically do not show the person's address on them. The medical facility just needs to know where the bill is going and how to handle the visit based on the coverage.
  11. The nationwide network is on the Cigna PPO. There is a suit of customizable plans that will cover everything or can be limited depending on how the specific person or family wants to build the coverage and on their budget. There is guaranteed approval coverage as well as underwritten coverage from a health perspective that can save more money on a major medical package.
  12. It also looks like the federal government is going to open up a "special enrollment" period due to the current health pandemic. My home State of Maryland has already done so for those who do not have insurance.
  13. Ok Kirk. Thanks for the advice. As I said I am new and trying to figure this out. I've added my facebook page to my profile but do have an agent website and business website. I'll try to figure out how to add them to my profile later today or tomorrow morning. This quarantine situation has me very busy trying to keep my kids entertained during non-typical business hours. Haha
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