A 28 year old woman, HMOcp member, went through 3 months of diagnostic testing…. She wants a second opinion and the HMO will only send her to another HMO provider …. This is a quality of care and control issue that should be though through before a plan is selected.

….involved in an auto accident.  He had a PPO plan with what he thought was a $2500 annual Deductible, 70/30% co-Insurance and a Maximum Out-of-Pocket of $5000…..The PPO plan carrier actually only paid $40,000 of the total bill leaving his owing $102,000.  How can this happen? ….maximum Out-of-Pocket amount for both PPO and non-PPO Network providers.

A woman on a limited budget purchased an indemnity plan with limited coverage for outpatient care and had a maximum daily hospital and surgery benefits in order to save $100.00 per month. One year into the plan…. The plan she choose fit her budget very nicely, but the consequences are that her and her husband are saddled with in excess of $100,000 in bills…..

….frustrated with his Health Insurance carrier (PPO) due to slow payment of claims….. You should check with your states Insurance commission or department for the history of complaints or check with a Licensed Certified Field Broker/Agent ( Click Here).

....currently on her COBRA…. recently received a letter from their carrier informing them that because the company she worked for had gone bankrupt their COBRA coverage will stop in two months.....HIPAA is available to him….

….Family sought Health Care Coverage because the employer did not provide and they could not afford the COBRA Premium from the previous employer. They had never shopped for health care coverage. They went on the Internet looking…. They were told “it is better than Insurance” and the premium for a family of five was $229.00 per month…..this was not an insurance plan, but rather what amounts to little more that a discount card with a small per diem hospital reimbursement of between $500 and $1,000 per day.

man…. did not want to pay for his share of the COBRA coverage he had because he felt it was too expensive and “he didn’t need Health Insurance”. A few weeks later.... a bill of over $25,000 with no coverage....If you are unsure what your rights are or how the process works you should check with your state Insurance department or a Licensed Certified Field Broker/Agent ( Click Here).   

….had an HMO plan she had been satisfied with for many years. The premiums kept increasing so she decided to shop around for a better price....She was told that the “plan was better than Insurance and no preexisting conditions applied”. She thought it was too good to be true, but she trusted did not trust her instincts....She immediately tried to get reinstated with her original HMO plan and was denied due to her Diabetes.….

….diagnosed with diabetes since he was 8 years old knew that he was not eligible for Health Insurance.... he was told that he was not insurable. …. State subsidized plans for high risk persons are available, but typically offer limited coverage and the premiums are quite expensive.

….decided to get Health Care Coverage after having their first child. They selected a PPO plan with no maternity… to save about $150.00 per month. ….The Out-of-Pocket child care costs and maternity related expenses cost them in excess of $15,000. ….plans often provide for more comprehensive child and wellness coverage and typically offer the best value for maternity. …. important to understand the three C’s of health care ….. It is also wise….

….enrolled with husband’s COBRA option when he left his company. After five months ….husband went on-line, selected a plan, and submitted the application without consulting with his wife or a professional….the problem was that he cancelled his COBRA without waiting to review his new plan. The new plan turned out to be nothing more than a Discount Health Plan with a small $1,000 per day hospital indemnity plan. …. He then decided to contact a local licensed field Agent. The agent was able to ….

….traditional HMOcp for over four years. She was diagnosed by her primary care provider as a pre-Diabetic mid way through her fifth year on the pre-paid medical plan….. She was sent a notification indicating that her plan was about to discontinue….. Be sure to have a Broker/Agent specifically review your contractual and state law rights as it pertains to future increases in premiums and under what situations a company may cancel you.

The owner of a Small Business ….was cancelled for non-payment…..the wife was diagnosed with cancer….he overlooked a couple of Health Insurance payments which caused them to loose their coverage. ….because he owned a small business, he was able to apply for a small employer group plan which now also covers his wife….. The best payment options are automatic withdrawal (checking or savings) or automatic credit card. If he didn’t have a business, his wife would otherwise be uninsured….