Comments on: Lifetime maximum only one of many major dangers when buying health insurance http://www.besthealthinsurancebook.com/blog/2008/01/27/lifetime-maximum-only-one-of-many-major-dangers-when-buying-health-insurance/ Health Insurance Book Author on Buying Health Insurance and Health Insurance Ripoffs Sun, 14 Feb 2010 14:40:25 -0500 http://wordpress.org/?v=2.8.4 hourly 1 By: robin Feld http://www.besthealthinsurancebook.com/blog/2008/01/27/lifetime-maximum-only-one-of-many-major-dangers-when-buying-health-insurance/comment-page-1/#comment-629 robin Feld Sat, 13 Feb 2010 18:04:43 +0000 http://www.besthealthinsurancebook.com/blog/2008/01/27/lifetime-maximum-only-one-of-many-major-dangers-when-buying-health-insurance/#comment-629 can you tell me what a reasonable annual maximum benefit would be? we are being offered coverage with no lifetime maximum but an annual benefit max of $250,000. is this too risky? it is Magnacare thanks!! can you tell me what a reasonable annual maximum benefit would be? we are being offered coverage with no lifetime maximum but an annual benefit max of $250,000.

is this too risky? it is Magnacare

thanks!!

]]> By: J. Stolzenberg MD http://www.besthealthinsurancebook.com/blog/2008/01/27/lifetime-maximum-only-one-of-many-major-dangers-when-buying-health-insurance/comment-page-1/#comment-332 J. Stolzenberg MD Tue, 13 Jan 2009 14:45:50 +0000 http://www.besthealthinsurancebook.com/blog/2008/01/27/lifetime-maximum-only-one-of-many-major-dangers-when-buying-health-insurance/#comment-332 When calculating lifetime benefits do all insurance companies use the charged amount from the hospital or the negotiated amount which is considerably less. If the latter then the consumer is not getting what he is paying for and the insurance company has no incentive to check on the reasonableness of the hospital charges. When calculating lifetime benefits do all insurance companies use the charged amount from the hospital or the negotiated amount which is considerably less. If the latter then the consumer is not getting what he is paying for and the insurance company has no incentive to check on the reasonableness of the hospital charges.

]]> By: Joan Thomas http://www.besthealthinsurancebook.com/blog/2008/01/27/lifetime-maximum-only-one-of-many-major-dangers-when-buying-health-insurance/comment-page-1/#comment-263 Joan Thomas Wed, 06 Aug 2008 20:17:14 +0000 http://www.besthealthinsurancebook.com/blog/2008/01/27/lifetime-maximum-only-one-of-many-major-dangers-when-buying-health-insurance/#comment-263 My brother in California has Kaiser Permanente, and there is no lifetime max on his. My brother in California has Kaiser Permanente, and there is no lifetime max on his.

]]> By: Jonathan Pletzke http://www.besthealthinsurancebook.com/blog/2008/01/27/lifetime-maximum-only-one-of-many-major-dangers-when-buying-health-insurance/comment-page-1/#comment-130 Jonathan Pletzke Sun, 27 Jan 2008 14:52:59 +0000 http://www.besthealthinsurancebook.com/blog/2008/01/27/lifetime-maximum-only-one-of-many-major-dangers-when-buying-health-insurance/#comment-130 Since health insurance is regulated and sold at the state level, what is available in each state varies. It is also possible that unless you get information from each company, and focus on specific details, that this would be an elusive goal. My family has an unlimited health insurance in North Carolina, and we have an excellent rate. I found that there are good products in all price ranges, and that there is not a strong correlation between high price and high quality. In fact, our unlimited lifetime with no annual limit policy is from a top quality insurer and is at the lower end of available premiums. I found this to be a pleasant surprise. Since health insurance is regulated and sold at the state level, what is available in each state varies. It is also possible that unless you get information from each company, and focus on specific details, that this would be an elusive goal. My family has an unlimited health insurance in North Carolina, and we have an excellent rate. I found that there are good products in all price ranges, and that there is not a strong correlation between high price and high quality. In fact, our unlimited lifetime with no annual limit policy is from a top quality insurer and is at the lower end of available premiums. I found this to be a pleasant surprise.

]]> By: forHealth http://www.besthealthinsurancebook.com/blog/2008/01/27/lifetime-maximum-only-one-of-many-major-dangers-when-buying-health-insurance/comment-page-1/#comment-129 forHealth Sun, 27 Jan 2008 14:09:12 +0000 http://www.besthealthinsurancebook.com/blog/2008/01/27/lifetime-maximum-only-one-of-many-major-dangers-when-buying-health-insurance/#comment-129 I have never seen a health insurance policy with unlimited lifetime benefits. I am sure they would cost a fortune, if one truly existed. I have never seen a health insurance policy with unlimited lifetime benefits. I am sure they would cost a fortune, if one truly existed.

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