Merhabalar,
Bu sene gelirimiz arttigi icin marketplaceden cok fazla indirim alamadik ve disardan yaptirmaya yoneldik. Normalde hic doktora giden insanlar degiliz. Amac sadece acil durumda ER a gitmek durumunda kalirsak vs icin istiyoruz. Su an elimde 2 fiyat var. Indirimli marketplace ve ozel sigorta. Ikisininde premium u ayni tutarda. Marketplace bronze sigortalardan. Ise yaramasi icin benim baslarda 6 7k odeme yapmam gerekiyor. Diger sigortada sigortacinin bahsettigine gore deductable var ama deductable baska bir klozla karsilaniyor vs derken benim hic odeme yapmam gerekmiyormus. ve cok daha genic bir doktor agi var.
Soruma gelince sizlerin tecrubeleri nasil? Ozel sigortalar dahami hesapli oluyor veya nelere dikkat etmeli? Su su durumda marketplace, su su durumda ozel diye ayirabilirmiyiz ?
Daha detay bilgi icin, Ozel sigorta bilgileri asagidaki gibi.
Normal kapsam Secure Advantage dedikleri. Ama kritik bir durumda Medguard devreye girip normal kapsamin deductabliini karsiliyormus. Normal basit muaynelerdede %50 odeme varmis. Bu dediklerimin cogunuda burda yazili goremiyoruz oda ayri bir soru isareti yaratiyor.
SecureAdvantage
The SecureAdvantage Specified Disease/Sickness and Accident PPO Plans ensure you secure the right level of protection for you
and your family to prepare for life’s unpredictable moments. These plans use the nationwide UnitedHealthcare Choice Plus
Network and provide flexible options that allow you to choose the most appropriate deductible and coinsurance combination
that meets your needs and budget for sickness and accident coverage.
Coverage Selected:
Primary Insured
Spouse
Child 1
Child 2
Coinsurance: PPO 60%/40%
Specified Disease/Sickness Deductible: $10,000.00
Accident Deductible: $5,000.00
Calendar Year Maximum: Unlimited with an Unlimited Lifetime | Organ Trans Max Per Insured
MedGuard - Lump Sum Benefit Critical Illness Insurance
The MedGuard Plan provides lump sum benefit payments to the insured to help offset any out of pocket healthcare expenses or
other household expenses if a covered critical health incident occurs in the future. Additionally, even if a covered critical health
incident does not occur, 100% of the Plan’s benefit amount is paid to the named beneficiary upon the insured’s death. This
unique and valuable MedGuard coverage is achieved by combining the Plan’s 5-year renewable term life benefit payable to the
named beneficiary with a stated percentage of the Plan’s life benefit paid in lump sum to the insured for covered critical illnesses,
injuries and surgeries. Thelife benefit is reduced by theamount of lump sum benefits paid.
Primary's Benefit: $16,535.00
Spouse's Benefit: $16,535.00
Child 1's Benefit: $5,000.00
Child 2's Benefit: $5,000.00
SecureAdvantage Health & Wellness
The SecureAdvantage Health & Wellness PPO Plans providefirst dollar fixed indemnity benefit payments for wellness and
health screening services without having to satisfy a calendar year deductible. These plans utilize the
nationwide UnitedHealthcare Choice Plus Network.
Coverage Selected:
Primary Insured: Plan 1
Spouse: Plan 1
Child 1: Plan 1
Child 2: Plan 1