A 3 tier plan charges the lowest copay (usually $10 - $15) for generic meds; a higher copay in the $25 - $40 range for “established” brand name meds and the highest copay ($50+) for the newest meds.

Of course I also indicated that plans such as Tonik are available for about the same price and with much broader coverage.

Thank you for your comments.

If I interpret your remarks correctly, you are assuming the one posing the question is me.

That is not the case.

Nor is this a repeat offender . . . someone who has posed another question and now a second.

The questions are those posed by real people who are clients or may one day become clients.

The individual who complained about the delays & issues with carriers requesting doctor notes had stirred the pot before I got involved. This makes it much more difficult for him to find coverage for his wife at any price. His insistence on submitting multiple applications via multiple agents virtually killed the deal.

The matter was already complicated by the fact that his wife was over-medicated as the title & content of the post indicates. In other words, she was taking medication that may not have been necessary for what is usually a benign condition that, in most people, requires no treatment.

In this case, there are no carriers who are willing to take his wife because of the numerous medications which leads the underwriter to believe the condition(s) are more serious than they actually are.

“No one seems to complain when poor credit risks are charged more for loans than those with good credit ratings. So why do people get up in arms when someone who is in less than perfect health have to pay more for insurance? Guess it depends whose ox is being gored.”

Ouch. It hurts when your own remarks come back to bite you. I never get angry at people when the become judgemental of other’s situations - it always comes back to haunt them.

In Texas individual health insurance is guaranteed renewable and can not be canceled due to sickness so I advise my client to purchase an major medical plan rather than a short term plan because the cost is not that different but the risk for loss is much greater with the STM

Health insurance in parcitular is very complex and, sad to say, most agents don’t even know what they are offering.

I give prospective clients a great deal of information for free, and even tell them where to find answers & do their own research. Less than 5% actually follow through and take even 10 minutes to do a few things that are absolutely necessary before making a decision.

Well you are absolutely right about an agent, who knows more information about policies because he has to be updated with all new policies and suggest a right policy for the person after understanding clients need. Good question and answer…