Originally Posted by emma1325
These are the EXACT things we've discussed. Our plan is so-so...and we're not convinced it's the most reliable in the event that we'd need coverage for something serious/expensive. There are many, many exclusions and specifications involved in the coverage.
AND, the agent who sold us the plan lied to us about several things regarding the coverage. She assured me that pregnancy would be covered (it's not), that we had a $50 co-pay for ANY doctor visits, and the remainder would be covered (not true) and she also said the first payment would be X amount and it ended up being X amount + $75 dollars...an amount which was very important to our monthly budget.
This agent sat face-to-face with us in Starbucks, and we very carefully listened before agreeing to buy the plan. I was shocked that pregnancy would be covered, since it was a high deductible-high co-pay plan.
Now we're wondering what else we were lied to about. Would we really be ok if one of us were injured and had to seek expensive emergency room care? Or would we be inadvertently taken to a hospital which is out-of-network and be on our own anyway?
Bottom line is, we're not confident in this insurance company AT ALL, and think we'd rather go without than continue giving them monthly payments.
But we're going to check into some other companies before making our decision.
Thank you everyone for your advice.
Do you have Golden Rule, by any chance? I am self insured with them...and they are the worst insurance
I have ever had. I specifically wanted something with maternity coverage, and that's what the agent told me I was getting. Turns out it caps at 2,000. That's NOTHING. I am actually going in as a self-pay at the hospital because if they even try to use the insurance, it will end up costing me more (they use different rates). I've also had to pay the OB pretty much out of pocket. Furthermore, NOTHING for the newborn is covered. So, if he ends up in the NICU, I can't even imagine what it will cost - I assume we would go bankrupt. And this is not cheap insurance, either.