Free Policy Comparison Tool

Alston · 03-10-2008, 07:34 PM

Is there a tool out there that will help a client or an agent compare policies with different deductibles?

I've found it hard to get prospective clients who are used to low deductible co-pay plans to consider HSAs and other high deductible plans. I got sick of hand calculating various scenarios.

I'm almost finished writing a web-based program that will show how much a policy will cost them when you add up the premium and the cost-shares.

If you want to link to a version of my program (for free) - that has my logo removed - PM me.

Basically the program asks for the premium and the cost-shares of the plans a client is considering and then asks for their predictions regarding costs in the doctors' office, pharmacy and hospital. Then the program will tell them how much they will spend when you add the premium, the deductibles the co-insurance and the co-pays.

Please let me know if you are aware of another site that has something similar. before I finish coding the pages, I want to see if somebody else has a feature I've missed.

Mr. Bill · 03-10-2008, 07:42 PM

Isn't this what Quotit does?

*STIBROKER@AUSTIN.RR.COM* · 03-10-2008, 08:12 PM

Isn't this what EHEALTHINSURANCE does?

Alston · 03-10-2008, 08:15 PM

My understanding is that eHealth and Quotit give quotes for various policies. That is not what I'm doing; this tool won't give quotes.

I'm creating a better way for people to compare dissimilar policies.

I want to answer the question "Is it better for me to buy this high deductible policy that costs $100 a month or that low deductible policy policy that costs $200 a month?"

I want my clients to see the combined costs (premiums plus deductibles and other cost shares) for a given policy based on different scenarios.

MHart · 03-10-2008, 09:43 PM

Alston,

Think this what you mean: HSAcenter - Health Savings Accounts - Health Care and Savings for You and Your Family

somarco · 03-10-2008, 10:07 PM

Where have you been (Alston)? Haven't seen you posting in quite some time. You have been missed.

Thought I would see you at the HTQ agent advisory board last month.

myinsurebiz · 03-10-2008, 10:15 PM

Thanks for the link - I learned from it and see it's usefulness.

???

To me HSA's make great sense. If I were to write them - what would the top 4 products / companies be? Just curious.

Thanks,

Tom

MHart · 03-10-2008, 10:30 PM

Depends on where you write business. Some states local Blue Cross/Blue Shield has the best HSA.

I would say all HSA's are about the same except for preventative care some companies offered it for first dollar coverage deductible waived for the whole bill or give you a dollar amount each year.

For example Humana offers free prevantative Golden Rule does not. Though Humana may have a smaller network then Golden Rule in your state you need to just need to look up all the HSA plans in your state to determine that answer.

Soaringagent · 03-11-2008, 01:53 AM

Health Net Farm Bureau and Blue Cross of CA have both great HSA plans.

Alston · 03-11-2008, 02:24 AM

Quote:

Originally Posted by MHart

Alston,

Think this what you mean: HSAcenter - Health Savings Accounts - Health Care and Savings for You and Your Family

Thanks Matt,

That is what I was looking for.

Thanks again.

Alston · 03-17-2008, 01:37 AM

Here is the URL for the web page I alluded to earlier:

https://1800insurancect.com/health-i...tool/index.htm

By next week I should have a version of the page - without my logo - that you can link to.

When your visitors click on your link they will see a link to your website where the link to my Connecticut site is. There will be no charge for this.

PM me if interested.

somarco · 03-17-2008, 09:03 AM

Thx Alston. Email sent.

thankful1 · 03-29-2008, 01:45 AM

[quote=Alston;56391]

If you want to link to a version of my program (for free) - that has my logo removed - PM me.

Quote]

Boo hoo.. I can't PM you since I have only four posts, I guess being softspoken is not an asset in this forum

salpro22 · 03-29-2008, 02:14 AM

Quote:

Originally Posted by Alston

Here is the URL for the web page I alluded to earlier:

https://1800insurancect.com/health-i...tool/index.htm

By next week I should have a version of the page - without my logo - that you can link to.

When your visitors click on your link they will see a link to your website where the link to my Connecticut site is. There will be no charge for this.

PM me if interested.

[quote=thankful1;59347]

Quote:

Originally Posted by Alston

If you want to link to a version of my program (for free) - that has my logo removed - PM me.

Quote]

Boo hoo.. I can't PM you since I have only four posts, I guess being softspoken is not an asset in this forum

Look above and ponder your inability to PM.