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%
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
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.
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