When You Can’t Make Affordable Group Health Insurance Payments

when our company switched to Destiny Health as our health protection indemnity provider a couple of years ago away, it was bumped into with a mixed remanner enjoys the body of workers. Some people thought it was an upgrading over what we spare matured before. Others have done nothing on the other hand complain almost about the high premiums we are now forced to pay.

I personally think its a acute company.

Let me start out by axiom its not cheap. I pay nearly $300 a month out of my paychecks and thats with the company paying 80 percent. And, they increase their rates annually. The last increase was roughly 40 percent.

While this is the reason many of my co-workers despise Destiny Health I experienced a long time ago to look at value, not just prize.

Taking into consideration most of my co-workers smoke or have some sort of chronic illness and realizing every other insurance company would increase our rates too I have learned to look at the benefits Im getting from Destiny Health that you just wont draw elsewhere.

For case in point, Destiny Health offers a program for members who must take medication for a chronic complication. My better half is one of these people. Her medication costs $1,300 a month. We pay $35. So, just on that, by paying $3,600 a year, I save nearly $15,000.

The Destiny Health time table in addition includes a “bank” program which pays the first $1,000 of your medical expenses (minus treatment co-pays). Assuming you only go to your normal yearly check ups, thats more than enough to make guaranteed you dont pay a penny out of pocket.

In fact, my only real complaint is, after the $1,000, we have to meet a $5,000 deductible before they pay for any other expenses. But, again, to hit that show, you would have to be at the health workers almost monthly.

You arent required to use the doctors listed as preferred Destiny Health members. But, if you do, you acquire added discounts for their services. And, at least here in Wisconsin, very few doctors arent preferred. This is very stimulating accepting with two of the insurance firms our company looked at last year would have required us to have a different clan doctor.

The thing that really sold me on Destiny Health is its incentive program called Vitality. This program encourages people to take action and stay healthy by rewarding them for everyday activities like going to a gym or giving blood. The points you earn can be traded in for a large selection of items. This year, Ive earned enough to receive a leaf blower, a existing microwave tandoor and a wagon for my daughter. Ive also gotten at no cost movie tickets and free music downloads.

Destiny Healths cyber web site also has a vast library of medical terms and conditions. Its one of the first places I visit when I have questions. If I cant find it there, their customer service is also a nice resource.

Again, Destiny Health isnt cheap and I dont see it coming down in price any time soon. But, if you like shopping on value, not just price, its definitely an insurance company you should consider.

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Filed under: Health Insurance

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