Comments on: IF YOU BUY HEALTH INSURANCE–READ THIS!

By: dustin

dustin — Sat, 25 Jul 2009 16:05:35 +0000

According to my policy, after we are covered for two years without interruption the insurer cannot end coverage except for certain reasons: we stop paying, commit fraud, move outside the service area, or they cease to offer that policy.

Somehow that doesn’t make me feel any safer…but I suspect that would be true whether we had a top-shelf policy or the economy package.

By: bmcbride

bmcbride — Thu, 23 Jul 2009 02:19:16 +0000

I’ve got a follow up question in light of recent legislative efforts to address health care…

Is your insurance guaranteed renewable? That is, could you be dropped when you need it most?

I know life insurance fairly well, but know very little about health insurance, so I really am curious.

By: dustin

dustin — Fri, 01 May 2009 14:27:46 +0000

Thanks Brian! As an insurance insider, it’s good to know you approve.

By: Brian

Brian — Thu, 30 Apr 2009 02:25:02 +0000

Preach on bro! Somehow many people think the best health insurance is the kind where you never even see a doctor bill.

Most of what passes as health insurance these days is pre-paid health care through an insurance company–with a their profit margin on top.

Perhaps consumers not seeing what they are truly paying because 1) their companies pay all or most of their premiums and 2) their out-of-pocket is rather small have contributed to the rapid increase in health care costs.

By: dustin

dustin — Wed, 15 Apr 2009 14:36:55 +0000

the only trick is having cash on hand if you need it. my experience is that hospitals are generally willing to work with folks that need payment plans to cover what the insurance company doesn’t.

By: Mo

Mo — Wed, 15 Apr 2009 14:25:37 +0000

Great point! Most of us are over insured in other areas as well. If you can save the deductible then there are cheaper solutions out there.