Recommend a good health insurance policy

[shake d livin wake d dead]

Tried a search but did not see the topic.Looking at some options,let's hear what you all have...thanks in advance.
Feel free to post benefits of any particular plan you may currently be involved in.

[nervewrecker]

inside for this.

[skylinechild]

i have some sort of ad med card from maritime.
i dont exactly know what is /isnt covered...all i know is my payments always up to date.
had it for 2-3 yrs now..

will edit this response soon when i re read the ad med thingy they give me and see what exactly it is.

[FullStop]

check j.o.e on the forums...he's the man to explain this kinda thing

[brams112]

Got myself a life evolution rejuvenator increasing benefit option from guardian life.Dont have the policy in front of me now but it is supposed to cover most illness,at the time of inception,will pay most of the medical bills.

[shake d livin wake d dead]

keep the info coming

[shake d livin wake d dead]

Got myself a life evolution rejuvenator increasing benefit option from guardian life.Dont have the policy in front of me now but it is supposed to cover most illness,at the time of inception,will pay most of the medical bills.

monthly payments? covers basic dental,vision etc etc? amongst other major ailments?

[pioneer]

Anything for individual dental plan?

[matthewmazda]

in one at work Med acess you pay 20% of the fee at doctors/hospitals and there is a limit celing
coverage for surgeries

[FORDRACING]

As skyline child indicated the ADMED from maritime is a great major medical policy that covers 3 main benefits. 1 accident and emergency, 2 hospital and diagnostics and 3. Surgery benefits as well as a death benefit and critical illness/dread disease. It's truly a comprehensive plan that offers you living benefits on your policy. Send me a pm if u're interested in further info or call 781-8888.

[shake d livin wake d dead]

anyone has experience with the following companies with respect to health insurance:

ALGICO
SAGICOR
TATIL
BEACON
GUARDIAN LIFE

[Ganash Auto]

call 746-1624. agent will explain

[shake d livin wake d dead]

what company^? thanks doh

[Ganash Auto]

martime. I hav ad med/tri flex/life with dem. wrks for me. plus I get addition discount on car insurance because I hav those plans

[rabiesebola]

my advice to u is make sure u ina gear physically (as in physically fit), cuz like insurance companies have issues giving coverage to fat ppl as they view them as risky. and also make sure and lie about yur family medical history if u have family diseases like diabetes and hypertension cuz like dat also does turn off insurance companies. but all of the above wont matter if u working for 50k a month and up. i highly recommend guardian general. my premium is $2200 a month. i am most happy about being able to access any private institution (best part of my package), even for basic check ups to avoid dis failure public health system. hope this helps

[silver]

my advice to u is make sure u ina gear physically (as in physically fit), cuz like insurance companies have issues giving coverage to fat ppl as they view them as risky. and also make sure and lie about yur family medical history if u have family diseases like diabetes and hypertension cuz like dat also does turn off insurance companies. but all of the above wont matter if u working for 50k a month and up. i highly recommend guardian general. my premium is $2200 a month. i am most happy about being able to access any private institution (best part of my package), even for basic check ups to avoid dis failure public health system. hope this helps

I highly recommend you don't lie about your health issues or family medical history.
If you do become seriously ill with a related illness, the insurance has grounds to deny your claim. at which point all of your premiums would have been for nothing.

But obviously being fit and eating healthy is the best way to prevent most illnesses. Health insurance should be used for some preventative check ups and to assist in expenses for serious illness.

[originalbling]

Guardian has Lifecare Provisor. Currently on it thru work - our premium is $175/month.

it has a range of benefits - simply show your card to any listed provider and you pay only 20% up to certain limits. Anyone not listed you can pay full amount and claim reimbursement after.

Emergency benefit is balls though - ie if u go to a nursing home ER for treatment they only cover $500

http://trinidad.myguardiangroup.com/gua ... /provisor/

[dougla_boy]

ALGICO is now Pan American Life.....they are good and Mega Insurance has some good ones to look at, check them out....but my advice....get a good agent.....some agents sell u a policy and when time to collect is a setta headache.....the good ones would go out their way to make sure u covered....

[DFC]

i have sagicor, through my company.

it covers eyecare, dental, rectal and general medical bills.

my friend bought a glasses recently.
Cost $3800 , but got 20% off because of sagicor, a further 10 % off cuz he with venture credit union and got back $1500 from the insurance company.

i dont know the details, because i never had to go doctor or dental , rectal or change my glasses since i here.

I will get more info.

For now, all this is "talk nah info" dont take it seriously until i get some more info.

[shake d livin wake d dead]

thanks for the info thus far..

@DFC that cost if for the year? I assume so..I got some feedback from an agent and they have some nice benefits. $3875 for the year though.

[pioneer]

Any dental alone?

Think I will call Maritime

[racedriverpro]

Met with a Sagicor agent today. Really would appreciate info that will assist in making a good choice wrt company I choose a policy with.

[X_Factor]

i understand that most medical companies provide medical until 60-65yrs, after that you are on your own....
was hearing pan american has a policy where they cover after that age

you could give them a call for further info

[LalChun]

Good thread OP. I myself was confused after speaking to numerous agents, all they concern with is selling you the biggest package. I was looking for critical illness coverage and all they talk about is a million dollar life insurance :/

[mitsutt]

Got myself a life evolution rejuvenator increasing benefit option from guardian life.Dont have the policy in front of me now but it is supposed to cover most illness,at the time of inception,will pay most of the medical bills.

^^Totally wrong info there, understand your policy properly bro. The guy is looking for health insurance as the topic states not critical illness which is different.

Pios no individual dental plan, you will have to take the entire individual health plan.

LalChun how much critical illness you looking for ?

[LalChun]

500k

[acesinghit]

seems like this maritime admed thing real popular. Most ppl I know have one and very very few ever used its benefits so I don't really have any feedback to tell except I had an emergency for an injury some time ago and the admed card was flashed at the A&E personnel. I was allowed entry and discharged the next day with just a signature. great stuff.

[j.o.e]

This:
http://trinidad.myguardiangroup.com/gua ... /provisor/

no hassle full of win..flash card keep it moving

[lionofzion]

Guardian & Sagicor definitely

[mitsutt]

500k

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