Dodged a Bullet: A Close Call Non-Client Story
Since we’re out of Open Enrollment season, and he didn’t appear to qualify for a Special Open Enrollment exemption, I turned to Short Term Medical plan options. One of my primary STM vendors recently got rid of their (obnoxious, but apparently industry-standard) application fee, and offers a $2 million lifetime maximum on their plan (unlike pretty much everyone else’s $1 million max). I found several alternatives priced competitively with his (actual junk) plan, albeit with slightly higher deductibles.
I had also asked him if he was, perhaps, self-employed, and when he told me that he was, I began researching whether he might be eligible for one of those new-fangled Chamber Plans.
So, I called him back with my good news.
And, surprise, he told me that since my STM offerings weren’t going to save him any premium dollars, his current deductible was so much lower, he wasn’t interested. Okay, but…
And he further informed me that, after speaking with a local hospital admin, and his current carrier, he’d been assured that if he was hospitalized the facility would *have* to treat him and the insurance would have to cover that.
Of course, that’s NOT how EMTALA works.
Source: http://insureblog.blogspot.com/2020/07/dodged-bullet-close-call-non-client.html
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