Insurance Agent Forum

[ROGCHAP57]

Just wanted to see if anyone has had any dealings with this company, saw it on CareerBuilder, looked good but I'm a Newb and at this point anything would look good, well almost anything!
Thanks
Roger

[STIBROKER@AUSTIN.RR.COM]

http://www.farmranchhealthcare.com/

[Insuranceman]

I hear a lot of people complain about all the holes in their coverage thru Farm & Ranch. Many people feel that they were mislead when they purchased it.

Here in Ohio they use United American / hospital indemnity plan and sell it as major medical plans with a discount card. They contacted me one time to try sell me insurance . I played along and listen to their pitch.
I can tell you first hand that the person I spoke to was very disceptive
And high pressure.

[Michael Haislip]

Farm & Ranch is the leading agency for United American, so I expect you'll be pushing UA's hospital indemnity plans. There's nothing wrong with them, but don't call them major medical.

[STIBROKER@AUSTIN.RR.COM]

[quote="Michael HaislipThere's nothing wrong with them, but don't call them major medical.[/quote]

So whats right about a non~major medical........

[Michael Haislip]

Originally Posted by STIBROKER@AUSTIN.RR.COM

So whats right about a non~major medical........

Some of us can't get major medical. Enjoy your good health.

[STIBROKER@AUSTIN.RR.COM]

Originally Posted by Michael Haislip

Some of us can't get major medical. Enjoy your good health.

The system is designed for all of us to get major medical.......

[Michael Haislip]

Originally Posted by STIBROKER@AUSTIN.RR.COM

The system is designed for all of us to get major medical.......

Please explain.

[STIBROKER@AUSTIN.RR.COM]

well one can go to work for someone with a group health plan(or in some cases have a 2 man group written),or they can get an individual plan(and if declined) ,go to the high risk health pool or a one man group depending on your state....now you might have to go with a high deductible to make it cost effective or affordable but is better than 1/2 a health plan......

[Michael Haislip]

You have to look at the individual's situation. Not everyone can just go out a get a job with benefits or form a two-man group. If the person is in Tennessee, those are the only options. Is it better to have some coverage than none? Or is it major medical or nothing?

[healthagent]

As long as it passes pre-authorization. If it doesn't then you might as well have nothing.

If anyone new doesn't know how this works then allow me to explain. You need a surgery and the estimated bill is $50,000. The hospital will then contact the insurance company to find out:

A: If the procedure covered
B: Is there enough of a benefit to cover it

So assume the client is on some indemnity plan with a $10,000 surgical benefit. In that case no surgery would be performed unless the client could show the hospital where the other $40,000 was coming from.

[healthagent]

And by the way, some indemnity plans - especially the ones that takes high-risk people or are guaranteed issue, don't pay the hospital directly. They cut the client a check. In those cases the hospital may want the client to front the entire procedure.

[STIBROKER@AUSTIN.RR.COM]

Originally Posted by Michael Haislip

You have to look at the individual's situation. Not everyone can just go out a get a job with benefits or form a two-man group. If the person is in Tennessee, those are the only options. Is it better to have some coverage than none? Or is it major medical or nothing?

hummmmmmmmmm.....

http://www.cobrahealth.com/statehighriskpools.html

Tennessee Comprehensive Insurance Pool
http://www.state.tn.us/tenncare

(800) 669-1851
Open to New Enrollees -No Waiting Period

http://state.tn.us/tenncare/news/TCoverview/aboutTC.htm

The current TennCare program is really two programs. There is TennCare Medicaid, which is for persons who are Medicaid eligible, and TennCare Standard, which is for persons who are not Medicaid eligible but who have been determined to meet the state’s criteria as being either uninsured or uninsurable. Historically, individuals in both programs have received the same services. TennCare Standard enrollees with family incomes at or above poverty are required to pay premiums and copays, however.

[James]

Originally Posted by STIBROKER@AUSTIN.RR.COM

hummmmmmmmmm.....

http://www.cobrahealth.com/statehighriskpools.html

Tennessee Comprehensive Insurance Pool
http://www.state.tn.us/tenncare

(800) 669-1851
Open to New Enrollees -No Waiting Period

http://state.tn.us/tenncare/news/TCoverview/aboutTC.htm

The current TennCare program is really two programs. There is TennCare Medicaid, which is for persons who are Medicaid eligible, and TennCare Standard, which is for persons who are not Medicaid eligible but who have been determined to meet the state’s criteria as being either uninsured or uninsurable. Historically, individuals in both programs have received the same services. TennCare Standard enrollees with family incomes at or above poverty are required to pay premiums and copays, however.

The only way to get on TNCare now is basically be completely inpoverished and in the Hospital racking up some serious charges if one is now not on it. The State is preparing its way into our next new and better program called Cover TN, yet another feable attempt or so it seems.

[Michael Haislip]

Last Thursday, I was in a car wreck. No surgery required, but I was still kept overnight. I'll have a bill of $20,000 in a few days.

With a policy like UA's FlexGuard ($100K lifetime limit), for example, I would be responsible for a $500 deductible and 80/20 coinsurance. My bill would have been $4500 instead of $20000.

Even with the limits on surgery and lifetime benefits, I'd rather have this policy than nothing at all.

[STIBROKER@AUSTIN.RR.COM]

Originally Posted by Michael Haislip

Last Thursday, I was in a car wreck. No surgery required, but I was still kept overnight. I'll have a bill of $20,000 in a few days.

With a policy like UA's FlexGuard ($100K lifetime limit), for example, I would be responsible for a $500 deductible and 80/20 coinsurance. My bill would have been $4500 instead of $20000.

Even with the limits on surgery and lifetime benefits, I'd rather have this policy than nothing at all.

how healthy were you BEFORE the car wreck.........

[Michael Haislip]

Originally Posted by STIBROKER@AUSTIN.RR.COM

how healthy were you BEFORE the car wreck.........

I was uninsurable before.