Caught up with the guy "marketing" it, in I believe, Valhalla NY. No business listing of any kind, guy workin' out of his house with a cell phone.
Same deal.
Lou DeLuca at Insurance Resource Group.
At the time he called the product Health One. Said it was fully insured and Chesapeake was the issuing carrier. Finally sent me an app which I turned over to the GA DOI.
Here is what I got back from the DOI.
Bob:
The specimen you provided had a number that seemed to follow the pattern of their filings, but was not a match, and did have a TX suffix included that would seem to indicate it was probably a state of Texas filing, rather than a Georgia filing.
Tom Carswell
In later correspondence he went on to say the policy was not filed, or approved in GA. Further, the policy would NOT be approved based on the marketing information provided.
He also said it was not HIPAA compliant . . .
Not that it would mean anything to those who think they understand HIPAA.
The guy would talk to me while washing dishes and feeding his dog. I never felt comfortable with it.
Sent it to a buddy in OH who also ran it by the OH DOI.
Same kind of feedback.
Paul, you know this, but for those who are trying to follow the bouncing ball, limited benefit plans are not considered creditable coverage by any carrier.
In most states, STM plans are not considered creditable coverage.
States are allowed to pass laws that are less restrictive if they wish, and Georgia has deemed STM to be creditable coverage when transitioning back to group cover.