A Personal Success Story

It is with great pleasure that I share a personal success story as it relates to health insurance for my dependent son. He is currently a sophomore attending University of Delaware. Last year, at this time, I was anxiously anticipating the renewal rates for my company’s health insurance. Like most, due to our busy lifestyles, I tend to address situations as they arise; but last year I was a bit more proactive. I decided to shop individual plans for my son knowing that a young, single male is the lowest risk when it comes to underwriters and their pricing of a new plan. At IFS, one of the plan offerings as a full time employee is a high deductible health plan. My company is very generous in their contributions toward premium and deductible costs; however, I still had significant dollars to contribute on my own. My thought: what do I have to lose by shopping around?

My son was approved for an individual PPO plan through Aetna with a monthly premium of $102. As you can imagine, I was ecstatic because my personal health care expenses were drastically reduced without sacrificing benefits. Furthermore, I received news today that his premium is remaining the same for the next plan year. Yes, you read that correctly – NO INCREASE!! One last personal note: my son is considering transferring to an out-of-state school; and I’m very happy to report with this particular Aetna PPO plan, it is portable and coverage issues will not be a problem. Win-Win for all.

Lastly, as consumers, we shop for new cars, clothes, shoes, etc…I urge you to please take time and review your current situation. The IFS Benefits team is always ready to assist; therefore, if it makes sense for you to explore you current health care status, please give us a call – what do you have to lose?

Yours in good health,
Lori DiBattista

Lori DiBattista, Senior Account Manager Lori is licensed in Life and Health in Delaware, Pennsylvania, Maryland, New Jersey, and Florida. Lori is actively involved in the National Association of Insurance and Financial Advisors and serves on United’s Advisory Council. Lori is also a long-time volunteer with the Special Olympics of Delaware and Making Strides Against Breast Cancer.