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:	post by JayTUS at 2004-08-24 12:58:59

The way our insurance plan works is you pay deductables that are set at however high or low you choose. That choice affects your monthly premium, which 19 times out of 20 is much lower then what you're going to pay with Blue Cross.

What you are doing with Blue Cross is prepaying for services you may or may not use. That makes the montly premium higher. If you're the type of person that goes to the doctor once a year, that doesn't make sense for you to prepay all this extra money for a $100 doctor's visit.

With our plan, you pay for the smaller stuff and once you reach the max point you can pay, that's it, you don't pay anything else. If you get into a motorcycle accident and you go over your limit with Blue Cross, you're in some serious trouble. Especially if you have a plan that only covers you on the job. You'd be in really big trouble if you got in an accident in MA and they had to bring you into Boston or the surrounding area in an ambulance or helecoptor, because BC/BS only pays the national average for all procedures, which means the cost of an xray in Mississippi drives that cost down and Boston has some of the highest health care costs in the country. Guess who get's stuck with the difference? Yup. You.

Our plan works anywhere in the world at any time of the day. You can go to any doctor you want. We also pay for everything based on what the hospital charges, not the national average (usual and customary). I could go on and on about a lot of the varying differences between us and the HMO's, a lot of it wouldn't make sense, but to break it all down simply, you get the idea...

I don't know how everything is set up for you in RI because MA works differently. In MA, we're a guarenteed written state, which means you can't be turned down for health insurance, if we sign you up that's it, you're in. In RI there is a lot of underwriting that could effect the cost, but I am pretty sure in the long run you'd pay much more with BC/BS.

Hope even half of this made sense haha... it's good practice for me to talk about it though. I am just getting started and I am pretty nervous.

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