Me and family have had ins with us health for 2 yrs now.in october son had inflamed appendix. After all said and done owed hospital close to 10k. Well it only paid $445.00 that threw up a red flag according to policy paperwork I had and what was covered. I started going back looking over the last 2 yrs and here's what I found. There had been 19k in claims filled. The provider (dr) gave 5k in discounts, ins paid only $1, 609 all together toward the 19k in claims. This ins was costing 1, 120 a month with all the perks they say.in all reality ins was costing 1, 620 a month when you break down claims. Wife called and discussed with ins company. They told here all these claims fall in a dark area thats not covered. Funny how that happens darn the luck. So I called and was given the run around for 3 weeks about cross referencing claims. I performed my own cross referencing and sent to them and was still given the run around. So as of today my policy was canceled. Im posting what I was sold so everyone can see its all great until you need it. Read this before you buy ins from this company. Please dont get in to the same mess I did with this company. Expensive lesson learn on my part.
The premier choice — premier med. The premier choice is a sickness and accident policy that has a zero deductible then pays 100% up to the benefit amount. It will pay for 6 doctor visits per person per year and whatever that person does not use will rollover to the next year. It will also pay for 2 visits per person to a urgent care clinic and 3 visits per person to a chiropractor. The drug card has a zero deductible then is $10 for generic and $30 for brand. It will also pay for lab, testing, xrays, etc.. With a zero deductible. If anybody is admitted into a hospital or needs to have surgery the claim can be filed on the premier med major medical which has a $4000 deductible then it will pay 100% unlimited! However there are some supplements included that will pay your $4000 deductible for you.. The executive diamond association has a $500 deductible then will pay 100% on any accident up to $10, 000 and if the accident claim were to go over the $10, 000 benefit they will apply $4000 to the $4000 major med deductible meaning on any kind of accident you will have a $500 deductible then it will pay 100% unlimited. It will also pay $800 per day of hospital income if anybody is ever hospitalized. The premier choice will also pay $1400 per day which totals $2200 per day. So, on a 2 day hospital stay the $2200 benefit times 2 equals a benefit of $4400 which is used to cover the deductible on the major med. This means on a 2 day hospital stay your out of pocket would zero with no maximum on company pay out. Also, if you are in the hospital more than 2 days it will continue to pay you $2200 per day and you can use this money to help offset loss of income, business expenses, personal bills, etc.. The medguard critical illness will pay you a lump sum of money on diagnosis if anybody is ever diagnosed with 15 major illnesses such as cancer, heart attack, stroke, etc.. So lets assume someone is diagnosed with cancer or had a heart attack the $4000 major medical deductible is deducted from that benefit and you will get a check made out to you for the balance and you can use that money to pay business expenses, loss of income, personal bills, etc.. Or you can use it anyway they want to. There is also a small life insurance benefit on you and wife for $150, 000 each and $15, 000 on each child. Us health group is rated a+ by the bbb and the la state insurance dept and the underwriter freedom life has the same ratings. Also, us health was given the award of top insurance company for 2016. With this policy you can go to any doctor and any hospital you choose, including specialty hospitals out of state. However, it is a ppo plan and uses the cigna network which you can find at the bottom of my website to view doctors and hospitals! I have been in insurance since 1986 and this is by far the best coverage you can get. Please let me know if you have any questions.