GOLDEN RULE...UNITEDHEALTHCARE...CONFUSED???

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PostPosted: Sat Feb 16, 2008 3:32 am   Post subject: GOLDEN RULE...UNITEDHEALTHCARE...CONFUSED???  

Rather confusing, isn't it? Actually, Golden Rule is part of the UnitedHealthCare family. And they market individual health insurance here in Ohio.







Here's a brief synopsis of some of their more popular policies:







Saver 80 A high deductible plan that offers catastrophic coverage at reduced premiums.







Copay Select The most comprehensive policy in the Golden Rule portfolio. Copays of office visits and prescriptions along with strong preventive coverage.







Copay Saver Much lower in cost than the “Copay Select” plan. Limit of two office visits and generic prescription coverage.







HSA 100 An HSA plan that combines higher deductibles and a low cost along with a tax-favored savings account. This type of coverage is relatively new, but often is the most economical choice.







Obviously, UnitedHealthCare is just one of many companies we use. Standard discounts apply for non-smokers and applicants in good health.





Warning and disclaimer:I deeply apologize for my juvenile attempt (below) to seek additional business.





For a free individual quote, please visit Ohioquotes.com or email service[at]ohioquotes.com.



Email deactivated - Evan

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PostPosted: Sat Feb 16, 2008 7:58 am   Post subject: explain it to me please..  

hi, would you care to explain to me the following statement !



Quote:
Saver 80 A high deductible plan that offers catastrophic coverage at reduced premiums.




I feel, in this plan I'd need to pay a higher amount as deductible on the verge of a claim, while my premiums are designed to remain lower & flat throughout.. am I right at that ?

Quest30

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PostPosted: Sat Feb 16, 2008 9:07 am   Post subject: Why do I opt for a fee-for-service ?  

hey, I'd been through your site & found out some information about the Fee-For-Service plans which states that the insured has to pay an amount as 'deductible' prior to the commencement of the insurance benefits. I'd just like to know the justification of paying it before (& that too each year)..when I'm not even sure whether such an event would ever occur in my life or not.

Stageworker


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PostPosted: Sat Feb 16, 2008 9:12 am   Post subject:   

You said that you give discounts for non-smokers..can you illustrate with an example that would help us understand the comparison of the amount.



Regards,

Thomas_hopkins


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PostPosted: Sun Feb 17, 2008 5:06 pm   Post subject:   

Quote:
Copay Select The most comprehensive policy in the Golden Rule portfolio. Copays of office visits and prescriptions along with strong preventive coverage.




What do you consider "strong" to mean regarding preventative coverage?





Quote:
HSA 100 An HSA plan that combines higher deductibles and a low cost along with a tax-favored savings account. This type of coverage is relatively new, but often is the most economical choice.




Agreed, one of the good plans.
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PostPosted: Sun Feb 17, 2008 6:30 pm   Post subject:   

Quest-The higher the deductible on any plan, the lower your premium. This is a result of the insurance company paying fewer claims and incurring less expenses. The "Saver 80" will have additional reduced premiums because it has virtually no office visit or RX coverage.



Stageworker- In fairness, "Fee For Service" plans are rarely used in Ohio...and I assume in most other states. The deductible you pay is essentially your premium. It is quite different from other plans, and as mentioned...rarely used.



Thomas-Most companies charge higher premiums if you are smoker. Aetna, does not, if you meet certain criteria. Generally, the non-smoking discount will be approximately 15%-25%.



Sal-The "strong" inference was in reference to the other UHC policies. When you compare it to other companies, that description might have to be knocked down to "typical" or "fair."

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