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XSI health insurance.

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Shadows
Posts: 8068 - Karma: 43
im pretty happy something came out like this. im paying 150 a month for blue cross blue shield which is ridic
the biggest issue im thinkin about is pre-existing conditions and such. i have health insurance now but they dont cover some pre-existing shit which is the main reason i want health insurance.

in the explanation of benefits it seems like they really did their research on what things are going to cost, they dont give you a cent more for some things.

does anyone know what sister companies they are under?
Dec 10 2009 3:58PM
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DAPSKI
Posts: 414 - Karma: 141
they def. are under a sister company but I dont remember the name.
Dec 10 2009 4:04PM
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[~_~]
Posts: 20239 - Karma: 1,273
I may have missed something, but how is having $1,200 coverage really going to help? Getting a knee replaced costs about ten times that...
Dec 10 2009 4:13PM
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Brenone
Posts: 4944 - Karma: 296
its a joint venture with Conseco Insurance. and its really only available for people who work in the industry. i.e.....at/for resorts, pros etc....
Dec 10 2009 4:16PM
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pghjibber
Posts: 1298 - Karma: 329
^ actually any normal ns kid could buy it my friend

most kids on here wouldn't because they're young enough to be on their parent's policy, or god forbide they're Canadian with free health insurance lol
Dec 10 2009 4:21PM
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Brenone
Posts: 4944 - Karma: 296
my bad. one of the articles i just read while googling it mentioned that it was for people who "work in the industry. but i just realzied that article was about 6 months old.
Dec 10 2009 4:25PM
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jpmoneyshot
Posts: 81 - Karma: 11
Not sure how much good this does you.  If you don't have health insurance all this is going to do is pay for the basically little stuff.  $2,400 might sound like a lot for a broken arm but try fracturing a femur or something and see how far that gets you.  I can't really see anyway buying this makes a ton of sense throw that $20 a month in a savings account and in the long run you are going to end up better off.
Dec 10 2009 5:21PM
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titsLOL
Posts: 7485 - Karma: 396
I would never get that insurance. It's dope how cheap it is, but I looked over the benefits and for the first two levels (the other two aren't listed on their site) the money they give you for staying in a hospital is no where near enough. When I stayed in ICU it was just shy of 3k for a day and with level 2 they give you $1000. Not only that, but you have the make claims to get this money meaning you have to front it. Ambulance benefit of $250? hope you get hurt within 10 miles of the hospital, my last ambulance ride cost $900. Everything else I don't really know what exactly it would actually cost, but judging by what I do know this doesn't seem worth it.

Better than skiing without any insurance I guess, but that isn't saying much.
Dec 10 2009 5:47PM
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Twinjibber77
Posts: 6239 - Karma: 2,354
If this extends to motocross and quad racing i will have some super happy friends but i' not to sure about that.
Dec 10 2009 5:55PM
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KevinK.
Posts: 564 - Karma: 209
i think xsi is a pretty good idea bc health insurance is ridiculously expensive
Dec 10 2009 6:27PM
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dylhole
Posts: 2926 - Karma: 983

THIS ISN'T HEALTH INSURANCE.   This is a supplimental insurance dedicated to accident related incidents.  This will only cover accidents, things that aren't supposed to happen. 

Just think about it for two seconds.  Anyone insured by a private company, a company that is hundreds of times bigger than this one, is paying what? $100 a month.  How could a tiny company dedicated to accident-prone sports give such a great rate unless if has some limitations?  It's a good idea, but to be honest, my supplimental insurance tied into Humana is cheaper than this, and offers better coverage.  Do some research before you jump on the bandwagon.

Dec 10 2009 10:02PM
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jpmoneyshot
Posts: 81 - Karma: 11
That is the problem either way this policy isn't going to cover a massive doctor bill either.  I audit hospital credit balance reports for a living and trust me these payouts are right around what you would expect to may for a lot of these injuries if you have high deductible health insurance.  Personal example I got three stitches above my eye and it cost me $212.00.  Imagine if you had to get like 100 stitches it would be way more than what this plan is paying out.

The problem with this plan is that you are still liable for anything above what they pay out and they won't even have a discount rate with the provider.  With normal health insurance you are going to pay your deductible, coinsurance or copay based on the discount rate your insurer gets with the provider then they pay the rest.

This plan doesn't have an out of pocket maximum for you meaning you can still get boned.
Dec 10 2009 10:31PM
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smuggs
Posts: 6561 - Karma: 1,375
i agree with dylhole. while the whole system is corrupt you need something.

i just lost my accident insurance well most of it. i was on a 30k accident policy for 33 a month. now i have to go dylholes route and get humma to suppliment the accident insurance, but now my accident insurance will pay for my deductable which is 5,000 dollars. and its like 64 a month.
Dec 10 2009 10:46PM
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Sewardo
Posts: 1404 - Karma: 29
Hi I'm canadian! 

But props for XSI for steppin up
Dec 11 2009 2:13AM
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ShredUtPow
Posts: 1 - Karma: 10
StartFragment

Hey, I work for XSI .  Yes, Conseco is our underwriter.  They are one of the largest insurance companies out there and the XSI product is exclusive to us.  Our product is similar to AFLAC but ½ the price, better benefits and we don’t have all the exclusions that other insurance companies have. 

XSI is NOT meant to be a replacement to a major plan and works best in conjunction with one.   With XSI it help will cover the co pays and deductibles.

Say for instance you break your arm and cut your head open on a box.  You’d get $300 for the ER, $100 for Xray, $150 for sling, $1200 for broken arm and $300 for the cut.   Plus you’d get $30 towards each follow up visit.   That’s a minimum of $2050 paid directly to you to cover the co pays or the injury.   If you have a $500 deductable on your major plan, you’d actually pocket $1500 for that injury to make up for lost time at work , pain and suffering, etc.

Tons of people are not able to get covered because of past injuries or health reasons.  I pay nearly $200 a month and I’m healthy and I’ve had a few minor injuries.  Sure you can get Lloyds of London and pay over $500 a month if you’re ballin but for most that’s not an option.  But when the guy that’s making enough to pay rent, get a pass and rides 100 days a year having some coverage is better than none at all. 

We will soon be offering an "a la cart plan" that offers  more coverage depending on your needs that will cover major injuries and surgeries.  The plan won’t break the bank either.

Another thing about XSI is there is no maximum or rate increase if you get hurt.   You can use it as much as possible if you keep jacking yourself on a regular basis.

Also with XSI you are covered 24/7, if you slip on ice on street and hurt yourself, you are covered.

 Feel free to PM me or hit me w/any questions Jay(at) xsinow.com

EndFragment
Dec 11 2009 1:09PM
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Shadows
Posts: 8068 - Karma: 43
good info, makes more sense now with that aflac analogy. i really like the a la cart option youre (hes?) working on too. seems like that could be a little better and specialized plans. 1500 for a heli is legit thats about what all mine costed. i think the money they give you is substantial enough for the first part of the injury process but the physical therapy, lost work days, surgery at the time of the incident and any other sequential operations; that might end up biting you in the ass.
Dec 11 2009 2:55PM
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