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John Fenner

RVer Insurance Exchange Health Insurance?

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1 hour ago, Kirk W said:

If you look to the upper, right hand corner of the window of the Escapee header you will see your name and a down arrow. If you click on that down arrow a menu will open, click on account settings there and another window will open down the left side with a series of choices. Go there and click on signature and you can set up a signature your signature which will show at the bottom of each post that you make. You can make a link there to you website or one or an email to you, or pretty much anything you wish to put there, within reason. 

Thanks Kirk.  I will take a look and put all this information on my profile

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22 hours ago, Kirk W said:

If you look to the upper, right hand corner of the window of the Escapee header you will see your name and a down arrow. If you click on that down arrow a menu will open, click on account settings there and another window will open down the left side with a series of choices. Go there and click on signature and you can set up a signature your signature which will show at the bottom of each post that you make. You can make a link there to you website or one or an email to you, or pretty much anything you wish to put there, within reason. 

Again, thanks Kirk. I got it set up I think...

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On 3/31/2020 at 2:34 PM, Mike.gibble said:

Blues; you are correct in your analysis.  These are major medical type coverage. 

Okay, major medical type coverage, not major medical, as most of us understand it.

Which plan are you selling?  The only one I can see that has a deductible is the SecureAdvantage, and for that one, you get a specified disease/sickness plan, and apparently have to get an additional plan to cover "doctor office visits, x-ray, laboratory and prescription drug coverage," and yet a third indemnity plan to get "wellness and health screening services."  Is that the one?

If so, what is the significance of its being called a "Specified Disease/Sickness Plan"?  Are only specified diseases covered?  If so, what are they?  I can't find a list anywhere on the website, or even a description of what it might mean with respect to the type of coverage is offered.

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11 hours ago, Blues said:

Okay, major medical type coverage, not major medical, as most of us understand it.

Which plan are you selling?  The only one I can see that has a deductible is the SecureAdvantage, and for that one, you get a specified disease/sickness plan, and apparently have to get an additional plan to cover "doctor office visits, x-ray, laboratory and prescription drug coverage," and yet a third indemnity plan to get "wellness and health screening services."  Is that the one?

If so, what is the significance of its being called a "Specified Disease/Sickness Plan"?  Are only specified diseases covered?  If so, what are they?  I can't find a list anywhere on the website, or even a description of what it might mean with respect to the type of coverage is offered.

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!

 

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I was unaware that people selling things, health insurance, were allowed to solicit business on this forum?

I see those deductibles $4,000 and up and think that before I retired my deductible was $500. They don't seem like a plan that I would want to participate in. For the most part you get what you pay for. Each person has different needs, younger people my choose to take more risk with huge deductibles if they are healthy.

I think that I am lucky because I only travel about five months per year and am enrolled in a Medicare Advantage plan with no cost and it is the best health care that I have ever had. If I am away from my plan's service area, a few counties in and around Houston, TX, they only cover emergency care. I did look at those nationwide plans but with a supplement at almost $600 per month for two of us, it didn't seem like that was what we were looking for. The Advantage plan that I am enrolled in is the only 5 star plan in Texas. Others may not be as good but I do know RVers who use Livingston, TX as their address and use the same Advantage plan.Good Luck

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On 4/3/2020 at 6:21 AM, Mike.gibble said:

Ok. Let me try to review everything.  This post may get a little long so bare with me.

You don't need to review everything, because indemnity plans are a dime a dozen, and usually that's about what they're worth. 

What you said was that you knew of a major medical plan with a nationwide PPO, and would share the details if anyone was interested.  So I posted expressing interest, because a major medical plan with a nationwide PPO is the holy grail for fulltimer RVers.

And it's taken how many requests for you to explain the plan at all?  It took multiple requests just to get the name of the insurance company, and I had to figure out myself which plan it was you were selling, which I did by finding the company's website and then examining each plan myself and finding the one that had a deductible.  And it's not, in fact, a major medical plan as most people understand it.

Then I asked you some specifics about that plan, and still don't have an answer.  Instead, you gave information about a bunch of other products that you sell, including indemnity plans, which are often mistaken by people to be actual insurance. 

And I asked in particular about why these plans are called "specified disease" plans, and you not only haven't answered, you haven't used that term in any of your descriptions, even though that's what each of these plans is called on the insurance company's website.

This is frustrating.  I've spent hours trying to figure out what exactly it is you're selling, which shouldn't be the case when you offered to share "all the details" in your first post.  Then again, you've perfected getting your contact information inserted into your signature line, so there is that. 

The problem for the health insurance consumer is that there's no way for him to find out he doesn't have what he thought he had until it's too late.  Sure, sure, caveat emptor, etc. etc.  It'll be our fault for not reading the policy, or for not understanding the policy.  

It's bad enough on the ACA exchanges, where sometimes you can get plan documents and sometimes you can't.  But at least with ACA plans, there's a basic framework for the products offered, and there are known requirements and expectations, so you're not flying completely blind even if you can't read the actual policy before signing up.

But that's not the case with the plans you're selling.  Every single thing in there is because someone at the insurance company wants it there, and consumers would be extremely foolish to assume anything about what's in them or how they work.  In fact, consumers need to put aside everything they think they know about how health insurance works when dealing with plans like this; I think that's how a lot of people get confused when these plans are pitched. 

Given this landscape, it's disappointing to feel like I'm pulling teeth to get any information about the plans at all, especially when I'm asking only because I've tried to find the answer myself, on the US Health Group website as well as websites of other agents selling the products, and have been unsuccessful.  This lack of transparency, especially coupled with offers of one-on-one consultations in lieu of specifics, doesn't inspire a great deal of confidence.

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2 hours ago, Blues said:

This lack of transparency, especially coupled with offers of one-on-one consultations in lieu of specifics, doesn't inspire a great deal of confidence.

Kudos, tx for doing the heavy lifting.

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10 hours ago, Zulu said:

Kudos, tx for doing the heavy lifting.

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.  

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Mike.gibble, thanks for detailed information. I've been using secure advantage couple of years ago, and it's pretty nice basics in the sphere of insurance. Anyway, few months ago I've found this resource on the web ( here: https://www.americaninsurance.com/benefits-anonymous-car-insurance-quote ), and it seems like they have the most reliable and profitable options about insurance for their potential customers.

Edited by theodore6WB

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On 4/5/2020 at 4:54 AM, Mike.gibble said:

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

I think that's the point--make people have to talk to a salesman to get information.  And my problem with saying that all questions will be answered is that the customer has to know there's a question to be asked. 

Like what is the significance of the plan being called a "Specified Disease/Sickness Plan"?  I asked upthread what this means, and didn't get an answer.  Major medical plans as we know them aren't called "specified disease/sickness plans," so what's the difference? 

It's common wisdom that when buying an extended warranty on an RV, it's better to buy one that covers the RV but with certain stated exclusions than one that limits its coverage to specific items listed.

And I notice that you didn't call it a "specified disease/sickness plan" in your first post.  You called it a "major medical plan," which we now know it isn't, but only because I pressed. 

Even if there are variations from state to state, there apparently is a basic framework for the plan, and there's no reason why the basics couldn't be explained on a website or in a post.  And there's definitely no reason to call it a "major medical plan" when it is not, if the only reason for lack of transparency is that plans differ from state to state.  It would also probably be best not to post in a public forum, "I am willing to share all the details if you are interested," if those details are available only to people from one of five states who have to call you to get the details.  That's not sharing with others--that's selling to individuals.

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13 hours ago, Blues said:

I think that's the point--make people have to talk to a salesman to get information.  And my problem with saying that all questions will be answered is that the customer has to know there's a question to be asked. 

Like what is the significance of the plan being called a "Specified Disease/Sickness Plan"?  I asked upthread what this means, and didn't get an answer.  Major medical plans as we know them aren't called "specified disease/sickness plans," so what's the difference? 

It's common wisdom that when buying an extended warranty on an RV, it's better to buy one that covers the RV but with certain stated exclusions than one that limits its coverage to specific items listed.

And I notice that you didn't call it a "specified disease/sickness plan" in your first post.  You called it a "major medical plan," which we now know it isn't, but only because I pressed. 

Even if there are variations from state to state, there apparently is a basic framework for the plan, and there's no reason why the basics couldn't be explained on a website or in a post.  And there's definitely no reason to call it a "major medical plan" when it is not, if the only reason for lack of transparency is that plans differ from state to state.  It would also probably be best not to post in a public forum, "I am willing to share all the details if you are interested," if those details are available only to people from one of five states who have to call you to get the details.  That's not sharing with others--that's selling to individuals.

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.

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8 hours ago, Mike.gibble said:

I am only licensed in 6 States so can't talk to all of the details in all of them.

If you buy a plan in one of these 6 states, is the plan "portable" (ie, usable in any state)?

Finally, it would sure help if there was some kind of state-by-state grid that showed what is/is not covered.

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6 minutes ago, Zulu said:

If you buy a plan in one of these 6 states, is the plan "portable" (ie, usable in any state)?

Finally, it would sure help if there was some kind of state-by-state grid that showed what is/is not covered.

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.

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On 5/6/2020 at 6:22 AM, Mike.gibble said:

I do not know why it is called, "specified disease/sickness plan"

So the only way for us to get information on this plan is to talk to you, and you don't actually know what it is.  And in fact called it a "major medical plan" until challenged.  Wow.

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49 minutes ago, Blues said:

So the only way for us to get information on this plan is to talk to you, and you don't actually know what it is.  And in fact called it a "major medical plan" until challenged.  Wow.

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. 

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On 5/7/2020 at 11:49 AM, Mike.gibble said:

Correct, don't know why they title it that way.

Don't you think you should?  They didn't just pull "specified disease/sickness plan" out of thin air, as a catchy title for it.  It means something.  The materials available to the public don't explain it, so I would think the agents could.  But apparently not.

 

On 5/7/2020 at 11:49 AM, Mike.gibble said:

And yes, it is a major medical plan.

Here we go again.  You first said it was a "major medical plan."  But when I took the initiative to try to look into the details and quoted the language from the plan's website that said it was not a "traditional major medical plan," you said I was correct, that it was a "major medical type" plan.  But now you're back to saying it's a major medical plan.  Even though the plan's own website says it's not.  A website, I might add, that is woefully (and I'd assert purposely) lacking in details but does at least make this clear.  Well, clear, if you include the fine print in the footnotes.

 

On 5/7/2020 at 11:49 AM, Mike.gibble said:

If there's anything better on the market, please bring it to my attention so I will produce those plans. 

I think most people agree that ACA plans are better than non-ACA plans.  They may be more expensive, but we're not talking about cost here; we're talking about coverage--what the plans actually are.  And if a major medical plan (which ACA plans are) were not better than what you have, you wouldn't keep trying to make people believe that what you sell is a major medical plan.

And here's the thing.  What you sell might very well be a suitable option for someone.  But people get into loads of trouble because they don't understand what they're buying, and it doesn't help when they can get details only from someone who has a financial interest in selling it to them.  Offering to answer all questions sounds great, but it also provides an out by someone who finds out what they bought isn't what they thought they were buying:  "I answered all of your questions."

You came into this discussion offering what you said was a major medical plan with nationwide coverage, and offering to provide details.  If I hadn't pressed, repeatedly pressed, that would have been the end of it for you, as you sit back and take calls from people to whom you can sell insurance.  I'm sure it's better for you than paying for leads.  But it's not better for the users of this forum.

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