[PLUG-TALK] Medical insurance resources

[Denis Heidtmann]

John Jason Jordan wrote:
> On Wed, 14 Jan 2009 16:58:12 -0800
> Denis Heidtmann <denish at dslnorthwest.net> dijo:
> 
>> What I would like is a high-deductible plan which does not tie him to in-plan 
>> providers.  The purpose of the plan is to protect against major losses.  The 
>> routine stuff he/we can handle.
> 
> I can't offer any leads for companies other than to check the State of
> Oregon. They list all insurance companies authorized to do business in
> Oregon. Last I checked they were categorized by type of insurance. At
> least then you will have a complete list of options.
> 
> The only other advice I have is to point out (just in case you were not
> aware) that insurance agents almost always represent the insurance
> company, not the insured. While they have certain statutory obligations
> to consumers, their primary duty is to protect the interests of the
> company. That includes passing along any information they have which
> would impact the interests of the company. In other words, lead the
> agent to believe that the kid will be sitting at a desk all day long,
> is afraid of heights, never engages in sexual activity, and asks for
> assistance from a police officer to cross the street. Under no
> circumstances mention "bicycling across the United States."
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Thanks, John.  I will keep it in mind.  Does a broker have the same relationship 
to the company?

One of the issues is that he will be traveling (by train, of course) so all 
services are likely to be through out-of-network providers.

-Denis