Integrated Shield Plan + Rider - What are the benefits of rider?

My 2 cents:

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1. Capped co pay means you only need to save 3k. Means you can pursue other goals more aggressively.
2. Cancer is a cited weakness, but it only accoutns for 5.3% of discharges. Your rider is still powerful, just not god mode.
3. Even as premiums get more expensive, I rather eat it than take a serious medical bill. Can you honestly predict that you will not get ill over the next few decades? Is it worth saving 3 to 4 digits per year?

Hi Anonymous, the 2 main benefits of rider is having the 1) copayment cap that you mentioned. 2) Cancer Drug List and Non Cancer Drug List Coverage.

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Not sure why this CDL coverage is not mentioned in the other comments, when it is undoubtedly one of the most important considerations. Especially with the news and discussion about this. Without a good rider, you will not be covered for non CDL drugs and services AT ALL.

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Other factors to consider, are the claims adjusted pricing model, number of panel specialists, benefits, premiums etc.

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As for premiums, all hospital plans will increase as we age! So important to choose one with a good coverage and sustainable premiums while we are still healthy :) Hope this helps! Happy to do a comparison/ review.

Rider helps to cap your payment often without it you will still have to pay a lot from other medical fees during your stay. It is crucial when you need it.

Rider basically limits your own out of pocket expenses