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Monica Said:

Medical Insurance. I'm paying $550 for a family of 3! Is that good - or are there better options?

We Answered:

NASE, Mega, Mid-West, this plan is known by many names around the country. It is NOT a comprehensive health insurance policy, but is instead a hospital certificate. You can most certainly get a better policy for around the same price or less. Visit a local agent that works with all the major companies in your area to find the best plan for your situation and budget. There is no extra charge using an agent.

Here is a website for more information about the scams and lawsuits surrounding the plans and the parent company: http://attorneypages.com/hot/toc_683.htm

Mega (NASE) deductible is per confinement, which means if you go into the hospital 3 times in one year you have 3 deductibles to meet. Most plans’ deductible is per year.

Lifetime maximum for Mega is $1 Million. Major medical plans are $2 to $8 Million.
Mega has an annual maximum per illness of $500,000. Most Major medical have NO annual maximums.

Depending upon the policy, Mega will only pay UP to $500 per day if you are admitted to the hospital. Average daily hospital cost - $3000, Average stay – Three days. For the average hospital stay MEGA will pay up to $1500, you will pay $7500.

Depending upon the policy, Mega will only pay UP to $1500 per day if you are in ICU. Average cost - $8000, Average stay – Two days. For the average ICU stay MEGA will pay up to $3000, you will pay $13,000. Since most people (unless they’re dead) have a hospital stay after the ICU stay you can add in the figures from the previous paragraph.

Doctor visits while you are in the hospital is limited to $50 per visit and limited to ONE visit per day. Average cost - $120, Average number of daily visits – TWO. For the average 3 day hospital stay MEGA will pay $150, you will pay $570.

Ambulance transport is limited to $250 per trip and payable only if you are admitted to the hospital. If you are transported to the ER and not admitted - no benefits. The average cost for ambulance - $1000. For the ambulance (if you are admitted to the hospital) MEGA will pay $250, you will pay $750. For the ambulance (if you are NOT admitted to the hospital) MEGA will pay $0, you will pay $1000.


Air ambulance is not covered unless additional rider purchased. Maximum benefits with Mega are $3500. Average cost - $12,000. Your bill - $8500.

Many other limitations for: miscellaneous hospital inpatient charges, inpatient and outpatient surgery, routine physicals, anesthesiologist and more. Plus you have to pay the expensive yearly dues.

Here is some information about Mega: http://law.freeadvice.com/insurance_law/…

Shane Said:

Does anyone know of a Medical Price List in the USA?

We Answered:

Most insurance companies now how 'cost comparisons' on their web sites for frequently performed procedures.

Esther Said:

has anyone compared good and bad with an aarp medical advantage plan vs major medical insurance?

We Answered:

The AARP plans are underwriten by United Health, which is a very good company. However, The AARP plans are stripped of many of the benefits that people require, such as doctor visit and urgent care copays. The premium is comparable to the "budget" plans available with other companies. Make sure you compare all companies to get the best plan for your situation and budget. A local independent agent can help, and the plans and premiums are exactly the same whether you use an agent or buy directly from the company.

Philip Said:

How does Obamacare compare to other world health care plans?

We Answered:

We have the NHS in england and tax payers fund abortion under the guises of "health care" that's what state sponsored health care turns into, disgusting.

http://www.nhs.uk/Conditions/Abortion/Pa…

Also a lady on the news today with cancer couldn't get a drug to save her life as it was "too expensive" for the NHS.

http://www.dailymail.co.uk/health/articl…

Dentistry isn't FREE as you would think and its a nightmare finding 1 to take you on his books.

http://www.nhs.uk/chq/pages/1781.aspx?ca…

Did i mention waiting lists and waiting times in hospital? Well they are crazy.

http://www.telegraph.co.uk/health/health…

Superbugs are rampant in state sponsored hospitals here.

http://www.telegraph.co.uk/news/uknews/1…

End of the day the government throws money at it like crazy and at best its a sticking plaster, can use peoples money for insane reasons and tell others to go off and die as their treatment isn't economically viable.

I imagine you will get something pretty similar.
Source(s):
The NHS has over 50 years more experience at this than america does as well.

Marion Said:

HMO or standard medical plan?

We Answered:

With an HMO you are limited to what you can do as far as your own choices for care. Meaning that you have to get a referal from your doctor to see any other doctor or specialist should I say. With a PPO you can still choose a primary care provider and go to any specialist you like with no referal. I have a PPO plan and would not trade it for anything in the world I can see any specialst I want when I want and I am covered everywhere I travel. This also comes in especially hand if you have children as well. The cost of the PPO is more than the HMO but worth every penny. You call the shots in your heath care not you primary care provider who loves people with Hmo's so they can send you with the refaral and still have you followup with them so they can continue to make money on you.

Clinton Said:

How does Regents MedAdvantage medical insurance compare with other insurances?

We Answered:

They are just as good as anyone.