Is United American Insurance in truth right vigour insurance. It seem a short time too polite to be true?
I'm overweight and desperately need insurance. They're just roughly the only ones who have be willing to help me.
Answers:
hi,
i have found this site one. hope will be useful. check it out :
http://looking-insurance.blogspot.com
The hospital system I work for see a fair share of United American patients.
Most of the patients end up owing tons of money on their bills. Their United American policies clear only a set amount per day (or per incident, doesn`t matter what the case may be), and the patient is liable for the rest of the charges.
I suppose one positive for the forgiving is that they get the benefit of the discounted pricing, so it does reduce their liability more than not have any insurance at all.
(Example - Billed charges for a service $10K. United American might negotiate the total bill down to $7K. United will still only discharge their maximum, but the patient is only liable for the difference up to $7K vs. up to $10K.)
That human being said, a patient could probably negotiate a comparable discount themselves directly with the hospital, as anti paying a premium to United American.
I'd probably have some reservations about purchasing one of their policies for myself, knowing that I could still capture hit with a huge hospital bill anyhow.
P.S. From a hospital employee's perspective, I will say that they are strictly reliable about paying the portion of the bill that they are supposed to pay. (Its lately that their portion is a fairly small chunk of the overall bill.) Source(s): 15 years working for health insurance companies and medical providers
RUN from UAI. (Just my personal view...I'm an insurance broker). I have seen too oodles people hurt by lack of information and/or misguided agent.
Without knowing your age and depending on your substance and the reason you "desperately need insurance", an indemnity (not crucial coverage) type policy may be the only thing available to you. These policies are not designed to cover bills, but only assist with each day payments to help you pay for deductibles, day by day living expenses, or however you chose, in the event of hospitalization. However if you just want a basic policy that will cover some doctor visits and pharmacy benefits in attendance are some insurance policies that are "Guaranteed Issue." Assurant Health is coming out with a plan in Mid August. It will not cover hospital stays or main surgery. It is only meant to extend assistance with general doctor visit. You will be able to find information about the policy on their website (Time Insurance division). I don't know what nouns you live in, so I can't direct you to a specific broker, but if you decide to give the name a local agent, make sure they represent more than just one company -ideally 4 or 5.
As a side file, some companies offer full benefits after 30 days or less. Citigroup phone call centers, for example, offer benefits FIRST day! Something resembling that may be an option to look into.
I wish I could be more conscientious, but without being competent to sit down with you and go over specifics, to be exact the best I can offer. Source(s): Hope it helps!
They are a hospital qualification; they are not major medical and they have plentiful limitations, such as they'll only pay $400 per hours of daylight if you go into the hospital. The average hospital stay in my nouns is around $3000 per day so guess who pays the rest - you do. They have like mad of complaints against them, but to be fair it's usually because people don't construe the strict limits to the policy. Most agents that sell the policy don't really explain these limitations.
Visit a local agent that works near all the major companies surrounded by your area. Some companies will write a major medical plan for citizens with a BMI up to 40. They may cost more but you'll be more satisfied beside the plan. There is no extra charge using an agent. Source(s): Independent Agent
You may be overweight, but i.e. not a reason for a company to decline your coverage. You will be rated, and if you are obese, they can decline your coverage. Assurant Health offer a Key Med plan that will cover your weight problem. You didn't specify any other health problems, but that plan is designed for ethnic group with major problems. The weight/height factor again depend on your age. See... www.assuranthealthsales.com
As a broker, I would recommend that you avoid United American. They do pay some, but nothing resembling what you would expect and too many doctors and hospitals won't take their insurance. Source(s): www.ripoffreport.com
Related Questions:
Answers:
hi,
i have found this site one. hope will be useful. check it out :
http://looking-insurance.blogspot.com
The hospital system I work for see a fair share of United American patients.
Most of the patients end up owing tons of money on their bills. Their United American policies clear only a set amount per day (or per incident, doesn`t matter what the case may be), and the patient is liable for the rest of the charges.
I suppose one positive for the forgiving is that they get the benefit of the discounted pricing, so it does reduce their liability more than not have any insurance at all.
(Example - Billed charges for a service $10K. United American might negotiate the total bill down to $7K. United will still only discharge their maximum, but the patient is only liable for the difference up to $7K vs. up to $10K.)
That human being said, a patient could probably negotiate a comparable discount themselves directly with the hospital, as anti paying a premium to United American.
I'd probably have some reservations about purchasing one of their policies for myself, knowing that I could still capture hit with a huge hospital bill anyhow.
P.S. From a hospital employee's perspective, I will say that they are strictly reliable about paying the portion of the bill that they are supposed to pay. (Its lately that their portion is a fairly small chunk of the overall bill.) Source(s): 15 years working for health insurance companies and medical providers
RUN from UAI. (Just my personal view...I'm an insurance broker). I have seen too oodles people hurt by lack of information and/or misguided agent.
Without knowing your age and depending on your substance and the reason you "desperately need insurance", an indemnity (not crucial coverage) type policy may be the only thing available to you. These policies are not designed to cover bills, but only assist with each day payments to help you pay for deductibles, day by day living expenses, or however you chose, in the event of hospitalization. However if you just want a basic policy that will cover some doctor visits and pharmacy benefits in attendance are some insurance policies that are "Guaranteed Issue." Assurant Health is coming out with a plan in Mid August. It will not cover hospital stays or main surgery. It is only meant to extend assistance with general doctor visit. You will be able to find information about the policy on their website (Time Insurance division). I don't know what nouns you live in, so I can't direct you to a specific broker, but if you decide to give the name a local agent, make sure they represent more than just one company -ideally 4 or 5.
As a side file, some companies offer full benefits after 30 days or less. Citigroup phone call centers, for example, offer benefits FIRST day! Something resembling that may be an option to look into.
I wish I could be more conscientious, but without being competent to sit down with you and go over specifics, to be exact the best I can offer. Source(s): Hope it helps!
They are a hospital qualification; they are not major medical and they have plentiful limitations, such as they'll only pay $400 per hours of daylight if you go into the hospital. The average hospital stay in my nouns is around $3000 per day so guess who pays the rest - you do. They have like mad of complaints against them, but to be fair it's usually because people don't construe the strict limits to the policy. Most agents that sell the policy don't really explain these limitations.
Visit a local agent that works near all the major companies surrounded by your area. Some companies will write a major medical plan for citizens with a BMI up to 40. They may cost more but you'll be more satisfied beside the plan. There is no extra charge using an agent. Source(s): Independent Agent
You may be overweight, but i.e. not a reason for a company to decline your coverage. You will be rated, and if you are obese, they can decline your coverage. Assurant Health offer a Key Med plan that will cover your weight problem. You didn't specify any other health problems, but that plan is designed for ethnic group with major problems. The weight/height factor again depend on your age. See... www.assuranthealthsales.com
As a broker, I would recommend that you avoid United American. They do pay some, but nothing resembling what you would expect and too many doctors and hospitals won't take their insurance. Source(s): www.ripoffreport.com
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