Is this health insurance plan any good?
Question:
United Healthcare (A+rated)
Copay Plus Plan
PPO
1500 deductible
172/mo single
Coinsurance after deductible:
I pay 20% to $2,000
They pay 80% to $8,000 then 100%
Lifetime max benefit: $3million
Initial Rate Guarantee: 12 mos
Doctor office visit: not subject to deductible, $35 copay, xray and lab 80%
Prescriptions: Generic $20 copay, Name-brand: $50 copay, Name-brand copay is after $250 per person, calendar year deductible. If Generic is available, name-brand reimbursed at Generic price.
Surgeon, and facility fees: 80%
Radiation, chemotherpay, and organ transplant drugs: 80%
Cat scans, MRIS: 80%
Emergency Room fees: illness 80%,$100 copay if not admitted injury: 80%
other outpatient expenses: 80%
Other: 80%
Answers:
Yes, they are one of the better plans available. I sell health insurance and have them for my own policy. However, they are not the best for every situation (no company is).
You'll want to get this through a local independent agent. The premium will be the same as going through the company directly, you won't have to pay the agent any extra. The agent will be a local "go to" person if you have questions about the policy after you get it instead of calling the 800 number and getting a different person each time. Also, the agent can compare with the other companies in your area to make sure this plan is the right one for you.
Wow. Someone, really did their research. I don't believe so, there are others out there keep checking, but some insurance is better than no insurance. Have a great weekend.
they pay a good chunk of it,but you are still going to have to pay a percentage =probably up front too
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