Number One Hottest Selling Plan:
How about PPO plans
with no Deductible! Health Net has a series of plans with copays from $30 to $50 for doctor visits and you pay just
$10 for a generic drug. The plan costs even less if you choose not to
cover brand name drugs. See the Simple Value Plans below.
Number Two Hottest Selling Plan:
For the most coverage
for the money, HMO plans excel.
There’s one in particular that really is worth a look if you can deal
with the limited choice of doctors. It features just a
$25 copay to the doctor which includes the
labs and xrays too. And it’s a full plan
with great hospital and prescription coverage too. See the Select HMO
details below.
Number Three Hottest Selling Plan:
Here’s another plan that fits a certain kind of person. It’s a “no-nonsense” high deductible plan, but if you really get in a big health problem, your worst out-of-pocket exposure isn’t too bad, if fact the best of the PPO Plans. Many people buy this plan because you are only paying for big problems and saving your money by not insuring runny noses etc. Also its what is called an HSA plan which will allow you to get a Health Savings Account at a bank and have some tax advantages as well. See the HSA Plans below.
So here they are…..
Plan One - "Simple Value Plans"
Enjoy the savings of a plan with just the
benefits people wish the most
- Widest choice of doctors and hospitals
- Lifetime maximum of up to $6 million
- Low Prescription Drug Co-pays or pick the plan with just generic prrescriptions
- Out-of-pocket maximums protect you from catastrophic expenses
- Toll-free dedicated customer service numbers, or call us your agent
at 1-800-497-4010
- No claim forms with network providers
HIGHLIGHTS OF THE SIMPLE VALUE PLANS
This plan is designed especially for:
- Young, active healthy adults
- Self-employed singles
- Empty nesters
- Early retirees
WHAT IS COVERED (these are highlights
only for in-network providers):
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DOCTOR VISITS: You pay just a $30,40,
or 50 copay for a visit to a doctor. There are 3 to
choose from
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HOSPITAL VISITS: You pay a $400 copay
(the 1st 4 days only) for an admission to the hospital then the
plan pays 50/60/70% for inpatient services and physician services (choice of
3)
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PRESCRIPTION DRUGS: You pay just $10 for a generic
type drug and $35 for a brand name
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Brand name drugs subject to a $750 deductible per
year (these are formulary drugs). You have a choice of having just generic
prescriptions covered if you wish to save more
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THESE KINDS OF SERVICE ARE COVERED AT THE 50/60/70%
LEVEL (choice of 3):
- Lab/X-rays
- Surgery (hospital outpatient surgery has a $400
copay as well)
- Radiation
- Anesthesia
- Physical Therapy / Chiropractic / Occupational
Therapy / Speech Therapy (have some limits on number of visits)
- Ambulance
- LIFETIME MAXIMUM: $6,000,000
- OUT OF POCKET MAXIMUM: $7500
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WHAT IS NOT COVERED:
- Maternity
- The key here is no deductible and a lot of
coverage for the money. Be sure to go to the quoting section to get the
rates for this plan. You will see 2 prescription drug options for this
plan. One little quirk, there is no dependent coverage here, so each
person in your family can get their own.
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Questions? call
us at 1-800-497-4010
IS
YOUR DOCTOR AN IN-NETWORK DOCTOR?
Click
here for the doctor
network
(click
on "Individuals and Families" on the top left. Then click on
"Provider Finder" on the left, and again one more time near the left
...now you will be able to access all the doctors.)
These have only been highlights. Click here
and receive the full details for every category of coverage. I've only tried to
highlight broadly what the policy is about, but you need the company's
literature to get the full picture
Ready for rates? Click
here to go to the rates.
Wish to apply right now, online? Click here to apply.
Lastly, give us a call and we would be happy
to speak to you about any or all ideas that you may wish to consider. We are
not the way you might think insurance people might be. Our goal is to help you
get what you want and will refer you to any place that will be best for you.
Questions? call
us at 1-800-497-4010
· Plan Two - The Blue Cross
Select HMO
Some people will give you all sorts of
horror stories about HMO's. But for all the horror, there are lots of people
who have them and like them. The key thing here is coverage,
you won't get this kind of coverage with a PPO type plan. And you may already
be going to a doctor who takes an HMO anyway, so for you it will not seem any
different.
WHAT IS COVERED (these are highlights only for
in-network providers):
· DOCTOR VISITS: There is just a $25 copay for a visit to your primary doctor. But more than
this, it covers the lab work and x-rays prescribed by the doctor as well with
the $25 copay. You won't get that with a PPO plan!
· HOSPITAL VISITS: Just a $250 per day copayment for the first 4 days, 100% covered after that.
·
PRESCRIPTION DRUGS: $10 for generic / $30 for brand name ($250 deductible for brand
name)
·
MATERNITY
CARE, TESTS, and PROCEDURES: $25 copay per visit
· CHECKUPS: $25 per visit
· THESE KINDS OF SERVICE ARE COVERED AT THE
100% LEVEL
· Lab/X-rays
· Surgery (if outpatient then $250 copay and 20% for services)
·
Radiation
·
Anesthesia
· LIFETIME MAXIMUM: Unlimited
The key here is great coverage. You will
pay more for these policies but very well may save over the long haul if you
require lots of health care.
Again, these have only been highlights. Click here and receive the
full details for every category of coverage. I've only tried to highlight
broadly what the policy is about, but you need the company's literature to get
the full picture
IS YOUR DOCTOR AN IN-NETWORK DOCTOR?
Click here
for the doctor network. Beware, this network is quite small so its highly possible you won’t find your doctor in this
plan. Some areas of the state there are no doctors at all for this one, then you need to try a different plan.
Wish to apply right now to Blue Cross,
online? Click here to apply.
Ready for rates? Click
here to go to the rates.
Questions? call
us at 1-800-497-4010
Plan Three –
Health Savings Account Plans
either Blue Cross or Blue Shield work well here
WHAT IS COVERED (these are highlights
only for in-network providers):
·
DEDUCTIBLE:
$3500 or $4000 (for a one person contract)
· ANNUAL OUT OF POCKET MAXIMUM: these plans
pay 100% after your deductible for covered services - so you
don’t pay after you reach the deductible
·
PREVENTIVE
CARE: the main exception to the deductible is that you can get a
routine physical for just a copay on these plans (no
deductible to meet!)
- THESE KINDS OF SERVICE ARE COVERED AT THE 100%
LEVEL (after the deductible):
- Hospital Services
- Professional Services (Office visits etc)
- Prescriptions
- Lab/X-rays
- Surgery
- Radiation
- Anesthesia
- Durable Medical Equipment and Prosthetics
- Private Duty Nursing
- Ambulance
- LIFETIME MAXIMUM: $5,000,000 or $6,000,000 (depending
on the plan)
The key here is safety
from the big things that may occur as you have a low out of pocket maximum. And
you don't lose having your annual physical covered with just a
copay!
Again, these have only
been highlights. Click here
and receive the full details for every category of coverage. I've only tried to
highlight broadly what the policy is about, but you need the company's
literature to get the full picture
Ready
for rates?
Click
here to go to the rates.
Wish to apply right now,
online? Click here to apply.
Questions? call us at 1-800-497-4010
Hottest Selling