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TexHealth Central Texas endangering Texans with their new Health Plan. : GoArticles.com
TexHealth Central Texas endangering Texans with their new Health Plan.
While all this seems like a good deal for the fine people of Texas once you take a closer look at the Health Plan it is not what it is all cracked up to be.
First this is not an insurance policy and is not regulated by the Texas Department of Insurance meaning that no one is montering the financial stability of this plan.
The second major problem is that the "PLAN" has a $100,000 cap on all medical expenses in any one given year and with a $1,000 cap on outpatient prescription drugs.With these two benefits alone if one of the plan members has a major medical event then this plan can leave a member refusal of treatment in a private hospital.Apparently the TexHealth Coalition did not do any research on the actual cost of treating a major health problem like cancer.The main reason people cover themselves with health insurance is to insure that they receive the treatment that they need as well as not bankrupting them if they are faced with $500,000 worth of cancer treatment. Refer to this article, http://businessweekthursday.com/magazine/content/04_37/b3899076_mz021.htm "A few months after Doug started chemotherapy, Cedars-Sinai Medical Center refused to treat him anymore, saying he had already used up the MEGA coverage. The problem: It capped chemo coverage at $1,000 a day, even though Doug's cost up to $18,000....But after he died in October, 2002, at the age of 48, Dana was stuck with almost $500,000 in medical bills that MEGA refused to cover, and now lives on her boat to save money on rent."
As well as this. Cash Before Chemo: Hospitals Get Tough - WSJ.com LAKE JACKSON, Texas -- When Lisa Kelly learned she had leukemia in late 2006, her doctor advised her to seek urgent care at M.D. Anderson Cancer Center in Houston. But the nonprofit hospital refused to accept Mrs. Kelly's limited insurance. It asked for $105,000 in cash before it would admit her.
Sitting in the hospital's business office, Mrs. Kelly says she told M.D. Anderson's representatives that she had some money to pay for treatment, but couldn't get all the cash they asked for that day. "Are they going to send me home?" she recalls thinking. "Am I going to die?"
I also suspect that there will be people that give up their high deductible health plan with no caps for the lure of a $250 deductible and not realizing they are putting themselves in harms way by limiting their health care at $100,000 a year.
So if you live in Texas and someone tries to sell you this limited piece of garbage saying you can not afford real insurance then they are lying to you. Research all your options with a licensed health insurance broker from individual plan to true major medical health plan. You might be surprised how affordable it can be. If you do not have a insurance broker than feel free to call or email me for all your options at 512-260-0856 [email protected]. Scott Thiltgen
TexHealth Central Texas endangering Texans with their new Health Plan.
While all this seems like a good deal for the fine people of Texas once you take a closer look at the Health Plan it is not what it is all cracked up to be.
First this is not an insurance policy and is not regulated by the Texas Department of Insurance meaning that no one is montering the financial stability of this plan.
The second major problem is that the "PLAN" has a $100,000 cap on all medical expenses in any one given year and with a $1,000 cap on outpatient prescription drugs.With these two benefits alone if one of the plan members has a major medical event then this plan can leave a member refusal of treatment in a private hospital.Apparently the TexHealth Coalition did not do any research on the actual cost of treating a major health problem like cancer.The main reason people cover themselves with health insurance is to insure that they receive the treatment that they need as well as not bankrupting them if they are faced with $500,000 worth of cancer treatment. Refer to this article, http://businessweekthursday.com/magazine/content/04_37/b3899076_mz021.htm "A few months after Doug started chemotherapy, Cedars-Sinai Medical Center refused to treat him anymore, saying he had already used up the MEGA coverage. The problem: It capped chemo coverage at $1,000 a day, even though Doug's cost up to $18,000....But after he died in October, 2002, at the age of 48, Dana was stuck with almost $500,000 in medical bills that MEGA refused to cover, and now lives on her boat to save money on rent."
As well as this. Cash Before Chemo: Hospitals Get Tough - WSJ.com LAKE JACKSON, Texas -- When Lisa Kelly learned she had leukemia in late 2006, her doctor advised her to seek urgent care at M.D. Anderson Cancer Center in Houston. But the nonprofit hospital refused to accept Mrs. Kelly's limited insurance. It asked for $105,000 in cash before it would admit her.
Sitting in the hospital's business office, Mrs. Kelly says she told M.D. Anderson's representatives that she had some money to pay for treatment, but couldn't get all the cash they asked for that day. "Are they going to send me home?" she recalls thinking. "Am I going to die?"
I also suspect that there will be people that give up their high deductible health plan with no caps for the lure of a $250 deductible and not realizing they are putting themselves in harms way by limiting their health care at $100,000 a year.
So if you live in Texas and someone tries to sell you this limited piece of garbage saying you can not afford real insurance then they are lying to you. Research all your options with a licensed health insurance broker from individual plan to true major medical health plan. You might be surprised how affordable it can be. If you do not have a insurance broker than feel free to call or email me for all your options at 512-260-0856 [email protected]. Scott Thiltgen