Community Discussions
Explore the latest discussions and community conversations related to this domain.
Are the DJI Care Refresh plans worth it?
Main Post: Are the DJI Care Refresh plans worth it?
UK shared care plans? : ADHD
Main Post: UK shared care plans? : ADHD
Or med cards, concept maps, care plans...
Main Post: Or med cards, concept maps, care plans...
Top Comment:
Was just talking about this with friends. We have to put together portfolios in our last semester and we have to put all of our clinical paperwork in it. I’m sure my future employers really want to see my shitty SBAR and my respiratory care plan.
Accessing Public Service Health Care and Dental Plans as ...
Main Post: Accessing Public Service Health Care and Dental Plans as ...
Any experience here with non-ACA-compliant plans?
Main Post:
I want to stop paying too much for stuff I don't need. Since the penalty for not having ACA-compliant insurance is now $0, has anyone found good plans, like the old ones, which have high deductibles and low monthly payments? I don't need pre-existing condition coverage, and I don't want the kitchen sink, the beachfront land in Florida, or the bridge in Brooklyn.
Lest anyone think about starting a shaming chorus, save it. The Boomers have already bankrupted my generation starting before I was born. Ya'll can cover yourselves.
Edit: don't bother messaging me privately to tell me about how you want to sell me insurance under the table. These kinds of plans I'm describing are legal, and if you aren't willing to post your answer in the comments section I'll report you to a mod.
Top Comment: In my work, I have encountered several of these non compliant plans. They are usually a waste of money. I’m sure someone will refute my post and give an example of a non-compliant plan and how wonderful it was. I’m sure there are exceptions, but they are just that. Because they aren’t regulated, the can do things like deny claims because your lifestyle is unchristian or immoral. Or refuse to pay for preventive care and then deny a sick claim because you didn’t follow preventive care recommendations. The criteria they use to determine if a claim should be paid isn’t evidence based at all; it could be a pastor in Kansas, not a licensed physician, deciding if your cancer treatment should be approved. They are also not required to have any reserve to pay claims, so if they run out of money, you are out of luck. In addition, they tend to have very little negotiating power, so the uninsured cash price you pay may actually be lower than what you pay as an “insured” patient. Their networks are usually very limited. Even though you say you have no pre-existing conditions, it’s not as easy as that. I assume you are looking for coverage for catastrophic events. Car accident: do you have speeding tickets? Have you missed any scheduled maintenance on your vehicle? Could be pre-existing. Stroke: was your blood pressure ever elevated, even once? Could be pre-existing. Cancer: do your job, home or hobbies put you in contact with anything that could be considered carcinogenic? Could be pre-existing. I know the ACA didn’t make healthcare perfect, but it does offer some protection against predatory “insurers”. If you have a family, I think it is worth the difference in price to protect them.
For those with CRITICAL ILLNESS insurance; what is your face amount/coverage?
Main Post:
What was your decision process in choosing the face amount/coverage for your critical illness insurance?
I can’t decide between Php 1M or Php 2M. I can comfortably cover the annual premium of the Php 2 million coverage, I just wanted to know what was everyone else’s decision process.
EDIT: additional questions
- is it true as my FA says that 1M is no longer enough?
- any anecdotes to share from experience or those of people you know on their coverage
Currently I'm deciding between Philam AIA Critical Protect 100, Sunlife Fit and Well, Sunlife Life Assure, AXA Healthmax and AXA Global Health Access. If anyone has additional tips, please share haha
Top Comment: Chose 1M, since I opted to go for a lower premium and invest the difference. But it's true as your FA pointed out that 1M is no longer enough for a true critical illness. Just a day or two in the ICU of a private hospital could wipe out that 1M face amount. And with the current state of government hospitals during this pandemic, you cannot rely on government services to make up the difference (I'm not dissing on public health, I'm an HCW in a government hospital and have seen enough of our broken system limping along trying our best to serve everyone).