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Destiny Health And Personal Medical Fund

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cgrexer

New User, Becoming EHEALTHy
Joined: 12 Dec 2005
Posts: 1
Location: Chicago
Destiny Health And Personal Medical Fund
Posted: 12-12-05 12:53pm

Destiny health care has the newest scam going utilizing a personal medical fund or pmf account. Do not let your company choose destiny health or a personal medical fund plan. Basically, you might as well be self-insured. This type of plan takes you and your comapnies money and pays bills from the account. Everything is ok until you have go beyond the pmf account and try to access the benefits of the insurance plan. You will end up paying so many of your bills as being part of your deductible, out-of-network, etc. You will never get to your 100% insured benefits.
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Rachael9

New User, Becoming EHEALTHy
Joined: 02 Mar 2006
Posts: 1
Location: Naperville

Posted: 03-02-06 23:12pm

Please consult your hr department or your insurance broker rather than a disgruntled poster on a message board.

There are many health insurance plans available where once you meet your deductible you are still responsible for a specific amount of coinsurance prior to getting 100% coverage.

Refer to your benefits handbook.
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