Raven

We had a sales person come by the house and drop off the literature and quote us a price.

On the surface, it seemed like a good deal, especially since we have no health insurance at the moment.

Upon further review, there were many bells and whistles...but, the substance was lacking.

For instance, even though they are not an HMO, you really don't get anything paid for doctor office visits. You can choose any doctor you want, which is nice.

If you do want a discount, you have to use their preferred list, in which case, you'll receive a certain percentage off the bill, after you pay the doctor in full.

They quoted us a price of over 400. per month, which isn't bad at all.

But, the hospitalisation coverage had a thousand dollar deductible and only paid ..damn, I can't remember what it paid...but, certainly far less than what a hospital room cost.

I am going to look into Blue Cross/ Blue Shield. Marsha, from XBiz, said she got coverage for less than 200. a month, which included prescriptions, etc.

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