Destiny Health Offers Great Value

When our company switched to Destiny Health as our health insurance provider a couple of years ago, it was met with a mixed reaction from the staff. Some people thought it was an upgrade over what we had before. Others have done nothing but complain about the high premiums we are now forced to pay.

I personally think it's a great company.

Let me start out by saying it's not cheap. I pay nearly $300 a month out of my paychecks and that's with the company paying 80 percent. And, they increase their rates annually. The last increase was roughly 40 percent.

While this is the reason many of my co-workers despise Destiny Health I learned a long time ago to look at value, not just price.

Taking into consideration most of my co-workers smoke or have some sort of chronic illness and realizing every other insurance company would increase our rates too I have learned to look at the benefits I'm getting from Destiny Health that you just won't find elsewhere.

For example, Destiny Health offers a program for members who must take medication for a chronic condition. My wife is one of these people. Her medication costs $1,300 a month. We pay $35. So, just on that, by paying $3,600 a year, I save nearly $15,000.

The Destiny Health plan also includes a "bank" program which pays the first $1,000 of your medical expenses (minus prescription co-pays). Assuming you only go to your normal yearly check ups, that's more than enough to make sure you don't pay a penny out of pocket.

In fact, my only real complaint is, after the $1,000, we have to meet a $5,000 deductible before they pay for any other expenses. But, again, to hit that point, you would have to be at the doctors almost monthly.

You aren't required to use the doctors listed as preferred Destiny Health members. But, if you do, you receive additional discounts for their services. And, at least here in Wisconsin, very few doctors aren't preferred. This is very refreshing considering two of the insurance companies our company looked at last year would have required us to have a different family doctor.