National General STM

[yorkriver1]

with one big difference......you will have to meet a new deductible and co insurance every three months.......

Thanks for that, I sent an STM with Petersen to a couple older/large family clients not eligible for APTC. It's not a necessarily a deal killer that the deductible resets, but definitely needs to be confirmed with the client pre-sale. Someone else spoke of pre-ex. The carryover through the renewals of illness/accident refers to those that occur during the plan policy period, not prior, I suppose, unless something reoccurs that is outside their pre-ex definition. The part that scares me is how a client may mentally blank out on what detail is involved in treatment, etc, and think they don't have a pre-ex in last 12 months.

 

[AllenChicago]

Thanks for that, I sent an STM with Petersen to a couple older/large family clients not eligible for APTC. It's not a necessarily a deal killer that the deductible resets, but definitely needs to be confirmed with the client pre-sale. Someone else spoke of pre-ex. The carryover through the renewals of illness/accident refers to those that occur during the plan policy period, not prior, I suppose, unless something reoccurs that is outside their pre-ex definition. The part that scares me is how a client may mentally blank out on what detail is involved in treatment, etc, and think they don't have a pre-ex in last 12 months.

I don't know about National General, but with Peterson, even the low deductible STM plans are very reasonable. A potential $1500 OOP 3 times @ year doesn't sound too bad...and the cost is reasonable, compared to the other STM's I've investigated.

 

[Mink]

Any thoughts on the new UHC short term policy that only goes up to 6 months combined? Wondering why it did not go up to 12 months?

 

[STIBROKER]

Wondering why it did not go up to 12 months?

 

[AllenChicago]

HOW do I see the rates for National General STM plans? I received an e-mail that they're now Advancing Commissions on those plans.

IHC's STM rates increased AGAIN, and they didn't reactivate advance commissions on the 6 to 12 month duration plans, like they had before Obama sabotaged them.

Peterson/LLoyds was my favorite STM, but they were too good, apparently.

I see National General brochures at: Agents , but can't find the premium rates. Any help with locating them would be appreciated!

-AC

 

[Sherota1]

This link might help. It's not my personal NG link but they offer the product. You can see some of the rates here.

Get Flexible Short Term Health Insurance from National General

 

[AllenChicago]

This link might help. It's not my personal NG link but they offer the product. You can see some of the rates here.

Get Flexible Short Term Health Insurance from National General

Thank-you Sherota! NGH is less than UHC and IHC in the Chicago area. But still far more expensive than Petersons/Lloyds. Clients miss that company dearly. Those expiring after 9/30/2018 have to choose another company. A pity.