Joe Cochran
New Member
- 12
Don't want to wait till January for ACA. Are there good options out there? I haven't been to the doc in a while. Last time I was there my health was good. So no pre existing illnesses .
Looking for health insurance for the right now.
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Joe Cochran
New Member
- 12
Lol. No. Single no kids from GA.
Define "good"
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Joe Cochran
New Member
- 12
I was on the phone with one guy who said I can get 80/20 insurance with 1000 deductible and 25 copay doctor visit and 50 copay for specialists. With million yearly limit. No pre existing illnesses covered. For 254 a month. Sounded a bit too good to be true. I really don't trust the over the phone agent thing anyway ...
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COULD be a short term medical plan.....now if it is USHEALTH run for the hills.....
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Sti, who are these guys that constantly call and pitch a major medical (their words) health Plan through Multiplan Network (they say this is the name of the insurance company) which they claim is owned and run by Anthem Blue Cross? They claim the rate is guaranteed to be level until you age into Medicare.
Of course none of it sounds legit. And if you ask any questions they just hang up. And they always call from a spoofed number. But they call back constantly. Any idea who these guys are?
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In another post you asked about what constitutes pre existing and on this one you posted that you need a plan right now and haven't been to the doc for a while. What scared you and what are you trying to hide? If you have ever been treated for a condition or a physician made notes about it there is a good chance there is a record of it on your MIB. If the insurer thinks that you might have had a clue to a condition, even if nothing showed up prior to binding the policy, they could easily deny coverage or cancel the policy if they felt like you were not honest on the application
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Joe Cochran
New Member
- 12
It's not me, but yeah it's a similar situation to that. He hasn't been to the doc in years so there are no notes anywhere about anything he's experiencing now. He's having mild symptoms that could be very minor or could be major. If he just goes in and says that he's not experiencing anything but just wanted a checkup and blood work, I don't see how they can say that he was experiencing anything. If it's something major the doctor will find it on his own..
- 2,265
I have not sold health insurance since the ACA took over but a big lapse in coverage coupled with a request for coverage now would have been cause for "go get a physical before we extend coverage beyond the physical" Don't know if that is the current mindset but I might be inclined to wait for a January 1 start up so pre existing is covered
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