Looking for Health Insurance Companies
- Thread starter spoofrice11
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- #12
said a cancer patient...... never........and here are the particulars......
https://www.mikecollie.com/pdf/SD16A-6040-Plan.pdf
try getting a mri for $1000
Outpatient Services Benefits
Pays necessary Outpatient treatment other than Physician’s Office visits charges. After a $100 deductible we pay 60%
of the U&C Physicians charges. Outpatient services under this benefit include, but are not limited to: laboratory tests,
x-rays, casts, splints, MRIs, testing, remediation and Emergency Ambulance Expenses. Outpatient aggregate $1,000 per
person per policy year.
for pace makers......
Prosthetic Devices /Orthotic Devices Benefits
We pay for prosthetic devices and orthotic devices and professional services related to the fitting and use of those devices,
coverage equals the coverage provided under particular provisions of the Social Security Act: subject to annual Inpatient
and Outpatient deductibles, copayments and coinsurance, No Annual dollar limit. $10,000.00 Lifetime Aggregate per insured.
and you are screwed if you get cancer.......
THE FOLLOWING ARE ADDITIONAL BENEFITS FOR CANCER
Lifetime Aggregate
$10,000 per person
1
Outpatient Chemotherapy
and Radiation Benefits
$50 Co-pay per treatment.
60% of U&C Physician charges.
Orally Administered Anticancer
Medications
No less favorably than intravenously administered or injected cancer medications that are
covered, and
Inpatient Mastectomy or Lymph Node
Dissection due to Breast Cancer
Inpatient care for minimum of 48 hours following mastectomy and 24 hours following
lymph node dissection, and
Reconstructive Surgery
after Mastectomy
We pay Category A and Category B benefits, in a manner determined to be appropriate in
consultation with your Attending Physician, and Medically Necessary Outpatient care, and
Annual screening for HPV
and Cervical Cancer
Pap smear: Each female Insured Person age 18 years or older is covered for an
annual medically recognized diagnostic examination for the early detection of human
papillomavirus (HPV) and cervical cancer, and
Annual Screening for Breast Cancer
For each female Insured Person who is 35 years of age or older, We will pay for an annual
screening by low-dose mammography for the presence of occult breast cancer, and
Annual Screening for Prostate Cancer
For each male Insured Person, We will pay for an annual medically recognized diagnostic
examination for the detection of prostate cancer.
2
One Family-Member Lodging Benefit
$60/day up to 60 days. One per Policy Year.
3
Insured Person Transportation Benefit
(One round trip per Policy Year): If by common carrier: We pay the usual charge.
But if common carrier is not available: We pay $.60/mile.
Malignant Cancers.
Maximum benefit of
$250,000.
DEFINITION
:
Malignant
Neoplasms; abnormal growths
or growth, such as tumors or
a tumor, characterized by the
uncontrolled spread of malignant
cells to adjacent tissue. Such
Malignant Cancers must be
positively diagnosed while
this Policy is in force, by a duly
licensed Physician operating
within the scope of his/her
licensure, and either during the
Insured Person’s lifetime or post-
mortem. The following Specified
Malignant Cancers are covered:
✓
Malignant Neoplasms of lip,
oral cavity, and pharynx
✓
Malignant Neoplasms of
digestive organs
✓
Malignant Neoplasms of
respiratory and intrathoracic
organs
✓
Malignant Neoplasms of bone
and articular cartilage
✓
Melanoma and other malignant
neoplasms of skin
✓
Malignant neoplasms of
mesothelial and soft tissue
✓
Malignant neoplasms of
breast (Additional Hospital
confinement benefit)
✓
Malignant neoplasms of female
genital organs
✓
Malignant neoplasms of male
genital organs
✓
Malignant neoplasms of
prostate (Additional Hospital
confinement benefit)
✓
Malignant neoplasms of urinary
tract
✓
Malignant neoplasms of eye,
brain, and other parts of
central nervous system
✓
Malignant neoplasms of thyroid
and other endocrine glands
✓
Malignant neuroendocrine
tumors
✓
Secondary neuroendocrine
tumors
✓
Malignant neoplasms of ill-
defined, other secondary and
unspecified sites
✓
Malignant neoplasms of
lymphoid, hematopoietic and
related tissue
THE FOLLOWING SPECIFIED DISEASES
ARE EXCLUDED
:
(a)
EXCLUDED CANCERS:
a.a) Benign Neoplasms;
a.b) Carcinoma-In-Situ;
a.c) Neoplasms of Uncertain Behavior;
a.d) Neoplasms of Unspecified Nature;
a.e) Hyperkeratosis, basal cell and
squamous skin cancers, and melanomas
of less than 1.5 mm Breslow thickness,
or less than Clark Level 3, unless there is
evidence of metastases;
a.f) All Neoplasms in the presence of HIV
infection.
(b)
EXCLUDED MUSCULOSKELETAL
SYSTEM DISEASES:
Diseases or
symptomatic complaints of the feet/foot
or toe(s) that are specific to the feet/foot
or toe(s).
(c) Excluded Endocrine System diseases:
c.a) Congenital hypothyroidism;
c.b) Overweight, obesity and other
hyperalimentation.
(d)
EXCLUDED DIGESTIVE SYSTEM
DISEASES:
Diseases of the oral cavity,
salivary glands, and jaws.
(e)
EXCLUDED GENITOURINARY SYSTEM
DISEASES:
Diseases or disorders of male
or female infertility, sterility, or impotence.
.
Last edited:
Just what I'm looking for!
This is not insurance. Its accident/critical illness. And isn't MEC. Hope you are telling everyone they still get the penalty
- 546
With all the exclusions, it doesn't seem like a very good accident/cancer policy.
In Singapore, I think that AXA Insurance is among the best for several reasons.
You can take a look Health Insurance Singapore | Medical Insurance | Private Healthcare Insurance | AXA Singapore
You can take a look Health Insurance Singapore | Medical Insurance | Private Healthcare Insurance | AXA Singapore
Last edited:
InsurancePimp_
Super Genius
- 124
The ACA penalty is 0% now, unless you live in California or Massachusetts where they have their own state penalty to force you to get Obamacare
- 2,055
InsurancePimp_ said:
The ACA penalty is 0% now, unless you live in California or Massachusetts where they have their own state penalty to force you to get Obamacare.
There are more States now than just CA and MA that have the penalty:
https://www.ehealthinsurance.com/re...ur-state-require-you-to-have-health-insurance
The ACA penalty is 0% now, unless you live in California or Massachusetts where they have their own state penalty to force you to get Obamacare.
There are more States now than just CA and MA that have the penalty:
https://www.ehealthinsurance.com/re...ur-state-require-you-to-have-health-insurance
InsurancePimp_
Super Genius
- 124
- 2,055
InsurancePimp said:
Good to know, and good thing I don’t sell in those states.
I've heard that when you're filing taxes, MA requires you to provide the name and policy number of the health insurance carrier, while NJ only asks if you had health insurance.
Maybe NJ audits people randomly, though.
Good to know, and good thing I don’t sell in those states.
I've heard that when you're filing taxes, MA requires you to provide the name and policy number of the health insurance carrier, while NJ only asks if you had health insurance.
Maybe NJ audits people randomly, though.
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