Horror story #1
I was real sad last week to meet a local couple who are staring at $14,000 in bills for one accident the husband had with a saw while rehabbing their house.
Even worse, they had asked their agent if there was a better plan than the old indemnity-style Blue Shield of Califonria individual plan they had been on for 10 years or so, and the agent said no, they should stay with it.
That was real lousy advice. Everybody on a high deductible plan should look at the newer HSA-type plans. They are probably a way better deal--better coverage at a better price.
They should also look closely at signing up as individuals, not as a couple or a family. The couple that had the accident had heard their plan had a $2,000 deductible. Problem is, several years ago, Blue Shield added fine print to the older plans, and the deductible doubles if you're signed up as a couple or family.
Even worse, after they pay the first $4,000 of bills, they keep paying 30% of the medical costs until they have paid another $10,000. A surgery or injury totalling about $37,000 ends up costing the customer $14,000 in this situation.
So...if you're in California and you want to talk about better high-deductible plans from solid insurance companies, contact your own agent, or me: dance7@gmail.com
http://www.bestpolicyhealth.com/
800-521-2527 or 530-272-4650
David Unterman, Calif insurance license 696335
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