These plans have higher premiums than other kinds of plan designs. The advantage is you have fewer restrictions and red tape to follow to maximize your benefits.
Keep in mind that health insurance is like parachuting; before you get into the plane for your jump you need to make sure you have your chute is packed properly and on your back. Health insurance is a commodity which needs to be purchased before you have health conditions or symptoms.
We represent most all of the insurance companies who have been in business for years and have a good track record of taking care of claims while providing acceptable levels of service.