Insurance Agent Forum

[healthagent]

Just spoke with an agent friend of mine who's selling the Carefirst HSA HMO like hotcakes on Sunday morning.

Looking for your thoughts - dirt cheap but....everything's after the deductible.

Male 40, female 40 - family - HSA HMO: rate: $219 for a $2,700 deductible. You heard me....$219 with a $2,700 ded - $5,250 OOP.

That, of course, cannot be touched with a 10 foot pole by another other carriers All wellness = free of charge

However, here's the bene's. Question - do you trade a low rate for more liablity in the way of copays after the deductible's been met?

[Dave020]

Originally Posted by healthagent

Just spoke with an agent friend of mine who's selling the Carefirst HSA HMO like crabcakes on Sunday morning.

Fixed it for you

[Melmunch3]

Commission sucks but trust me, if you don't sell it, someone else will... since the RX problem doesn't extend to these plans, I see no reason not to sell them.

[moonlightandmargaritas]

Originally Posted by Melmunch3

Commission sucks but trust me, if you don't sell it, someone else will... since the RX problem doesn't extend to these plans, I see no reason not to sell them.

Sam, what's the comp?

[healthagent]

Originally Posted by Melmunch3

Commission sucks but trust me, if you don't sell it, someone else will... since the RX problem doesn't extend to these plans, I see no reason not to sell them.

My thoughts too - no RX cap and I see little liability with RX and doc copays after the deductible, but that $600/day hospital fee to OOP is worth noticing.

Still, $219 for that family is nuts.

[moonlightandmargaritas]

Originally Posted by healthagent

but that $600/day hospital fee to OOP is worth noticing.

Why?

You've got the OOP limit. What difference does it make if it's in the hospital or not?

[healthagent]

Since it's an embedded deductible it ultimately doesn't pose any more liablity then selling a GR, or Time $5,000+ deductible HSA.

[Jeff]

Their BluePreferred HSA PPO comes in at $295. Also hard to compete against with the other carriers.
2700 ded , 5400 oop. no hosp fee. No rx limit.