Healthcare Cost Comparison, Affordable Rates, Medical Plan Options

      Healthcare Premium Rate Comparison
                                 (Male/Female)   Preferred, as of 12/31/05

  Basic Hosp./Surg. a           Traditional b     Major Medical c       High Deductible d
      (w/ Options)                Major Medical           w/ HSA                  Major Medical
   $50,000 Benefit                    $500 Ded.           $3000 Ded.                $50,000 Ded.
Age 0-18        $ 47                       $136                       $ 33                              $ 22
Age 20      $ 66/$ 84              $190/$199              $ 60/$ 60                   $ 17/$ 16
Age 30      $ 75/$105              $195/$237              $ 62/$ 71                   $ 26/$ 24
Age 35      $ 81/$119              $208/$270              $ 71/$ 87                   $ 32/$ 30
Age 40      $ 95/$126              $242/$311              $ 87/$107                   $ 49/$ 37
Age 45      $110/$142              $287/$348              $105/$124                   $ 49/$ 64
Age 50      $135/$149              $347/$383              $135/$149                   $ 69/$ 64
Age 55      $152/$152              $441/$420              $161/$173                   $ 98/$ 90
Age 60      $203/$208              $542/$460              $186/$193                   $172/$158

Deductible a. NO DEDUCTIBLE          b. $250/$500/1000            c. $1,500-$5,000                    d. $10,000 - $50,000
Hosp./Surg. - $15k -100k Per Cause                               Major Medical - $1,000,000 Lifetime Maximum
     GUARANTEED RENEWABLE                                RENEWABLE AT OPTION OF INSURER

Is your Health Insurance policy
"FAIL-SAFE"?
Too many Insureds tend to take
their medical insurance coverage
for granted.
In Fact, 6 of every 10 policies in
force can be cancelled by the
issuer at any time.
In most cases, a 30-day written
notice is all that is required and
afforded to the loyal policyholder
or insured.
Timely premium payments and low
claims history will do nothing to
overcome the "Opt Out" provision
that exists in virtually every Major
Medical, albeit be an Individual or
Employer-sponsored medical plan.
The "Renewability Clause" in your
Contract or Group Certificate is
where you will find it.

Today, only two companies still
issue Guaranteed Renewable
policies.
Just two short years ago, there
were five.

For most people,
maintaining control of their health
coverage is important and this can
only be accomplished by
purchasing this type of plan, but
the few years or months that
remain for the purchase of these
plans will too soon be passed.

T&T Marketing
is licensed and proud to represent
one of them.










			Are you Paying More for Excess Coverage? Although healthcare costs continue to spiral, some Healthcare marketers have exploited the consumer's Peace of Mind by promoting mega-million Lifetime Maximums. Most of todays Medical plans offer $3-8 million, and consumers are seldom aware their premiums are heavily loaded for these higher and often unnecessary options. Published results of a 2003 actuarial study on Healthcare Claim Amounts & Annual Frequency revealed the following: 80.9% were Under $5,000 17.1% were between $5,001-30,000 .9% were between $30,001-50,000 1.1% were Greater than $50,000 It's not just what your insurance company will pay that is important. The "cost methodology" defines the insured's out-of-pocket liability. That's why the services of a Professional Healthcare Advocate should be part of any Affordable & Comprehensive Medical Plan.