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I made $40,000 in March, selling individual health plans.
I've seen a plan or two by Mega and frankly it's garbage. The lady showed me her schedule of benefits and the max it paid was 50k for hospitalization in her lifetime. It had a max dollar amount per surgury that it would pay and you were left with the balance. Gallbladder removal...$1,500 you had to pay whatever the balance was. All she kept saying is it was cheap and her deductible was like $500. She had no clue what her liability would be after her dedcutible casue she didn't understand. But you get what you pay for cheap policy cheap benefits and major financial exposure.
And we always have to remind people that Mega agents are the pinnacle of class:
http://www.oklahoma-isp.net/rhb/mega-nasn-threat.mp3
Just got off the phone with a guy who's wife just had a 4 way bypass...and coverage with Mega. He's just now realizing what sort of exposure he had/has. Poor b*stard. How do they get away with this limited stuff without some disclosure? Or is it ultimately the consumer's fault for not doing enough due diligence? I talk to some people with their coverage, and they think it's the greatest thing since sliced bread.
I always thought that it seemed strange that the big H/C's such as United Health, Assurant, Humana etc etc don't do a big public education push about Health Insurance. Esp. since they are getting so much bad press of late.