What a nightmare

I just got a fantastic referal - lady owns a horse farm about 2 hours from me - wouldn't matter since the 1st words out of her mouth, even though I was referred, was "I don't want anyone coming over."

Ok, she's 55, husband 55 and son 23 but a college student. Wife w/HBP, husband w/HBP, daughter with allergies. Not really a biggie and they want to be under $1,000 a month. Wow, nice dealing with people who have money.

What do they have now? You guessed it - Mega Life. Obviously we don't need to talk about what happened there. Then she says "And absolutely no Golden Rule!" What happened there? An agent sold her a plan, everything was ridered and she claims she knew nothing about it. Meds for her, her husband and daughter, doctor visits, testing - denied. She fliped out saying agent never said anything about riders. GR told her to look in her policy - there they were.

Before that? Aetna nightmare. She had them for a few months - same story - no coverage for anything pre-ex and Aetna said she didn't have prior coverage that qualied since they had a break in previous coverage. This lady can't win - and can't find an agent to simply tell her the truth; GR rates are great - no pre-ex will be covered, Mega sucks, Aetna is horribly expensive and no pre-ex covered for 12 months.

And you guessed it - off to an Assurant HSA. Well under their price range and all meds, doctor visits and treatment of any pre-ex condition will count towards the deductible and more importantly, be re-priced. Nice deal.

For what it's worth we covered the rate difference between GR and Assurant's HSAs. What you'll find it people who aren't dead broke don't care - they want coverage for pre-ex conditons. GR was coming in over $200 a month cheaper. Her words, verbatim "I couldn't care less. I want everything covered."