Scan Medical Insurance

Health Insurance... Is this a good one since NASE isn't?

I recenlty asked a question regarding our health insurance and was adviced against who were currently using... which I had already figured it wasn't a good one, and appreciated the confirmation. I spoke with a rep over the phone, seems so easy and fast, and he represented different places, I think it was ehealthinsurance.com and filled out their survey. A rep called me and he recommended the following. Is this one a good one? $299.00 per month (one time enrollment fee of $120.00) Rate guarentteed for 3 years. Month to month plan - no long-term contract. US LIFE and AETNA $35.00 doctor visit Perscription $10 copay for generic and $50 for name brand No deductable for prescriptions Lab and diagnostic imaging... 80% covered, no deductable. Requires a health check and physical paid for 100% Hospital and ER $100 deductable, cover up to $3 million Dental, vision and chiropractic care with AETNA... Covers orthodentic at 70% - no waiting period. (specific drs for

Public Comments

1. The one time enrollment fee is a red flag. Legitimate health insurance companies do not charge $120 for an enrollment fee in any state which I'm aware. Some will charge an application fee of up to $20 in my state. I don't know about US Life but most companies don't require a health check and physical except in cases where you haven't had recent previous insurance and are over a certain age, or have medical conditions which have no recent medical records. The dental with Aetna sounds like the Aetna Dental Access fee for service discount which is a decent plan but are not insurance. The premium with these plans are annual.
2. Yes, you definitely do not want to choose a NASE plan (they are associated with MEGA life who has a long history of high consumer complaints). Choose a comprehensive major medical plan from a well known company like Aetna, United Healthcare, Blue Cross, Humana, etc. Here is some more information on choosing the best health insurance company: