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HOME REVENUE INC.

TALE OF THE TAPE

HEALTH INSURANCE

HEALTH DISCOUNT PLAN

VS

PROS

CONS

PROS

CONS

  • All medical costs are covered after the deductible and out of pocket minimums are met.

  • Monthly Premiums are expensive $150 - $700+

  • Deductibles can be high $1000-$5000(approx.)

  • Monthly Premiums are affordable $19.95 - $39.95, fixed.

  • Doctor visits are not covered or discounted.

  • There are NO deductibles 

  • out of pocket expenses are on-going but with a discount.

  • You may only have to pay a small copay per visit, usually $20-$75(approx.) when visiting doctors and specialists.

  • There's a wide array of plans available that allow you to lower/adjust your deductibles , out of pocket costs, and premiums so you can customize your coverage based on your budget.

  • Out of pocket expenses can be high $5000 - $10,000(approx.)

  • There are NO out of pocket expenses 

  • Monthly Premiums dictate your out of pocket and deductible expenses.                                       Example: lower premiums equal to higher out of pocket and deductible expenses.

  • if you don't use often you'll never meet the minimum deductibles and out of pocket expenses, so the insurance never "kicks in" to cover expenses. 

  • Can be used to supplement anything you currently have.

  • since there are no upfront costs, this plan will always "kick in" from the start which will save you money.

  • There is NO  co-insurance 

  • Its not Insurance.

  • Your plan may have co-insurance indefinitely, which means higher added costs.

  • Your plan doesn't really cover your costs upfront, You have to cover them first before it does what it was meant for.

  • The more family members added to the plan the more expensive the plan gets.

  • Your plan will cover your costs upfront in the form of a discount, also known as cost sharing. 

  • You can add your whole household at no additional cost.

  • You can can talk to a doctor over the phone and save money on doctor's visits.

CONCLUSION:
Deductible=upfront costs
OutOfPocket=upfront costs
Co-Insurance(20%-30%)=on-going costs
Premiums = on-going costs                    Upfront costs + On-going costs = ALOT OF MONEY

CONCLUSION:
Deductible = NONE                          Out Of Pocket =  Upfront Cost      Co-Insurance = NONE                    Premiums  = on-going costs        Upfront costs + On-going costs = SAVINGS

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