Im try to find out how good or not good the mega life and health insurance company is?

Question

Im try to find out how good or not good the mega life and health insurance company is?

Answer 1

It's not. Their plans are not major medical plans.  They are hospital surgical plans and catastrophic plans.  And for the amount of coverage you're getting the plan should cost a fraction of what it does.  You can likely get a much more comprehensive plan for less money (and when I say likely I have never come across a situation when their plan was cheaper than something better).

Do a search for Mega Health Insurance Complaints and this is the first link....

http://attorneypages.com/hot/toc_683.htm...

Answer 2

Under your circumstance,I suggest here for you to have a visit.http://health-insurance.expert-tip.info/...

Answer 3

Use the link below and judge for yourself.

Don

http://mtnhealthinsurance.com

Answer 4

Mega deductible is per confinement, which means if you go into the hospital 3 times in one year you have 3 deductibles to meet. Most plans’ deductible is per year.

Lifetime maximum for Mega is $1 Million unless you purchase an option for more. Major medical plans are $2 to $8 Million.

Mega has an annual maximum per illness of $500,000. Most Major medical have NO annual maximums.

Depending upon the policy, Mega will only pay UP to $500 per day if you are admitted to the hospital. Average daily hospital cost - $3000, Average stay – Three days. For the average hospital stay MEGA will pay up to $1500, you will pay $7500.

Depending upon the policy, Mega will only pay UP to $1500 per day if you are in ICU. Average cost - $8000, Average stay – Two days. For the average ICU stay MEGA will pay up to $3000, you will pay $13,000. Since most people (unless they’re dead) have a hospital stay after the ICU stay you can add in the figures from the previous paragraph.

Doctor visits while you are in the hospital is limited to $50 per visit and limited to ONE visit per day. Average cost - $120, Average number of daily visits – TWO. For the average 3 day hospital stay MEGA will pay $150, you will pay $570.

Ambulance transport is limited to $250 per trip and payable only if you are admitted to the hospital for over 24 hours. If you are transported to the ER and not admitted - no benefits. The average cost for ambulance - $1000. For the ambulance (if you are admitted to the hospital) MEGA will pay $250, you will pay $750. For the ambulance (if you are NOT admitted to the hospital) MEGA will pay $0, you will pay $1000.

Air ambulance is not covered unless additional rider purchased. Maximum benefits with Mega are $3500. Average cost - $12,000. Your bill - $8500.

Many other limitations for: miscellaneous hospital inpatient charges, inpatient and outpatient surgery, routine physicals, anesthesiologist and more. Plus you have to pay the expensive yearly dues.



Here is some information about Mega: http://law.freeadvice.com/insurance_law/...