Kat
Joshua,#2UPDATE Employee
Wed, June 17, 2009
My name is Katherine and i work for a company whom calls on behalf of RBA(Real Benefit's Association), One thing i will tell i would not work for a company like that much less a discount plan company. I always tell them up front, Where I am Calling From, What Plan they are Approved for and How it Works. And I always ask if they have pre-existing and how long ago was the last treatment for that. I will tell you that if you had any kind of treatment over the last 12mos for that particular pre-existing-YES YOU WILL HAVE A 12 MONTH WAITING PERIOD, to receive benefits. Now if you have to have any kind of hospitalization for that pre-existing then you will receive the contracted reduced rates, which is 40-60 percent. Any other thing that may pop up, like -ie, if your appendix erupted yes you will receive the full benefits or if you had to go to the er because you had the flu or broke your leg or was in a car accident or even had a heart attack ;you will be covered at the full benefits. Your Dr's visit are covered, the reason you see maybe25Dollars/5 visits is telling for the first five visits they will pay the additional benefit plus the contracted reduced rate, after the fifth visit yes you receive the contracted reduced rate. If you people would take the time to actually listen to what any one of us are saying you would know this. If you also realize any insurance company you go with,no matter whom they are you alway's receive the contracted reduced rate. We are not a bad company, you are receiving month to month health insurance and if you look at some coverage is better than none, and the reason get you paper work is because no other company will cover you because of your PRE-EXISTING or because your looking for an AFFORDABLE RATE PLAN