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That $18 is the “wellness” coverage isn’t it? It covers anything “annual” and not emergency.
Several companies offer wellness but not all. It’s definitely not mandatory, they’re upselling you.
I agree. It’s the wellness plan and different/separate from the health accidental plan. You’ll have to do the math for yourself based on your area.
I have lemonade and when I did the math for wellness plan it wasn’t worth it. It is approx equal to what I would pay directly
Bowl Leader
You’re describing the wellness rider. Doesn’t save you a lot overall.