joe92275
Super Genius
- 165
how do I get contracted with them? seems a great product to have in the tool box
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After all the honest evaluation it has to be a joke wanting to get contracted with them?
Oops, I forgot from my captive days -- "we are the only company that does what's right for our clients 100% of the time." What a bunch of !@#
Swimming in it for sure.
I just can't let this go because I just ran across someone with this crap, I reduced their premium from $900 a month to $700, reduced their deductible and OOP, added $10,000 more in Critical illness on each one plus put them in a much better accident plan with a lower deductible. Oh and by the way they didn't even have that 3 year lock on premium. (US Health either picks the highest rate increases out there to compare or exaggerates the rate increases to sell the 3 year lock. Of course you do get a higher commission when you sell it.)
So I guess this couple fits in the category of "having to save every dollar on premium!"
Now this couple has first dollar wellness benefits, coverage for Rx if something terrible happens -- from a pharmacy, not just outpatient -- they no longer have a lifetime limit plus they have more critical illness. Also, if they have something that isn't covered by the CI or accident policy they will have $3,000 less out of pocket than with US Health.
There may be a small % of claims that reach $1M but there are plenty that are over $100K, which is what this couple had. Some cancer treatments at MD Anderson now are over $13,000 per treatment. Ask someone that's had a heart attack how much their bypass surgery was and how much it takes to fill their prescriptions each month. Even with a discount from Canada/Mexico/India it still adds up. Read the fine print it's only prescriptions that go with the surgery or outpatient that are covered -- not the prescriptions that you need when you get home.
But boy that stock program and those advances will make up for all the other stuff.
I started out captive and those multi million dollar producers will lie through their teeth to keep you producing so they get their overrides. They don't give a rip about anything but their overrides and lookin' like a big shot, and going on trips.
Oh, and by the way I was advanced $1,100 on that business and took $500 as earned and it will stick on the books because no one can compete with it, unless they flat out lie.
More than likely I will get life insurance on them as well because I am an "independent" agent and can shop the market for them, not an agent that is selling what I'm told to sell by a marketing organization.
Like Expat said, there is a reason experienced agents don't like these types of plans and the companies that sell them like they are the next best thing since sliced bread.