Which is the best health insurance provider for me.....?

Question

isit bluecross,blueshield or humana or something else

Answer 1

If you go to an insurance company without doing your homework, they will sell you something that is profitable for them not you. You need to understand what you want it for. there is going to be a financial balance between 3 factors

1. monthly premium
2. copayment
3. deductiable

these factors will vary based on the type of insureance you buy.
you need to determine based on marital status, children, health, age, job dangers, family history and any other specific factors in your life.

you need to think about how often you will use the insurance.
if the answer is rarely then think about low premiums and high copay and deduct. If you will be a heavy user then the opposite will apply.

DON"T let an insurance company decide for you.

other considerations would be existing doctors. If you have ones that you like you need to choose a policy that includes them.

as was mentioned above, consult HR at work and do more research. What you've done here is an important first step

Answer 2

The answers I read for this questions are pretty good, but they only address what you want. If you are looking at individual health insurance plans you will have to go through medical underwriting. As long as you are healthy, standard height and weight, take no medications, and have no pre-existing conditions then underwriting won't be a problem.

On the other hand, if you are taking meds, or have a pre-existing condition underwriting is going to be a huge factor. Each company has different underwriting guidelines. This means that your final rate and level of coverage will vary. That is if you can even get in. Some companies are stricter than others and riders and rate-ups will be different.

A good independent agent can help you determine which plan will be best for you. As independent agents they can offer several different carriers and work for you not the insurance company.

Here are a couple of articles I wrote that should help you

How to Find Low Cost Health Insurance
http://www.getonlinequotes.com/low-cost-health-insurance-1.html

and

Tips for Choosing a Health Insurance Agent
http://www.getonlinequotes.com/choosing-a-health-insurance-agent.html

Answer 3

I strongly recommend BlueCross BlueShield. It's the oldest and the best out there.

Answer 4

The best place to start is by doing what you’re doing now – asking for personal recommendations. What kind of health insurance are you looking for? It might be a good idea to jot down a list of the different aspects of a health plan and then chart the differences between various plans you come across. Here’s an example:

·Monthly price (premium)
·Yearly deductible (amount you spend before the insurance company will start paying)
·Copay amount (amount you pay per service)
·Coinsurance amount (amount you split with the insurance company – usually a percentage; i.e., you pay 20 percent and the insurer pays 80 percent)
·Freedom of choice (can you visit whatever doctor you want?)
·Preventive medicine and routine doctor visits (does the plan include these?)
·Mental health (included in the plan; copay amounts; maximum number of annual visits).

I’d check out Consumer Reports (link below), America’s Health Plans (link below), and whatever other informational resources you can find. I’d also talk with locally licensed health insurance agents. I’ve also included a couple of articles about choosing a health plan that might be useful. They are government-authored, but they’re actually pretty good (all links below).

HMOs (health maintenance organizations) are popular right now, and they usually include mental health coverage in their plans. A typical example is that you would pay a monthly fee and then a copay when you visit your therapist (usually around $50 for a plan with low monthly payments). One potential problem, though, is access to physicians. An HMO might not have the kind of mental health specialist you’re looking for. Before you enroll in an HMO, I would strongly urge you to look at their mental health specialist roster. For more choices, you might opt for a PPO (preferred provider organization) or a traditional fee-for-service plan.

You should try visiting MostChoice.com. It’s a Web site that helps you shop for health insurance. They have free instant price quotes and policy information on health plans near you, but their specialty is getting you in touch with state-licensed agents. There’s no cost or obligation to buy insurance. You just fill out a short form and wait for the agents to contact you (within 48 hours). Have your questions ready and let them work until one of them delivers the plan that’s right for you. You might want to have a set amount you want to spend each month on insurance and tell the agents to work within those parameters.

You can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm

Hope this helps,

Barnes @ MostChoice

Answer 5

contact your HR dept sweety and see if they can give you a copy/book of what each insurance is offering you through your job--of course that is if it's through your job.

if your going out and finding insurance on your own; go in and sit down and talk to someone @ an insurance agency and they will do what I just told you to do. They will find out if it's you/family/any disablities w/anyone or you/your age/smoker/non-smoker/ etc etc. And it's not so much the Insurance Co your wanting to look at; you want to know if Indemities; PPO; HMO; POS; EPO's are the best plan for you!

Answer 6

Recommend you go to an insurance web site that has many plans to offer, like ehealthinsurance.com. They have an online interview that will ask you questions about what your needs are. After doing that and entering your personal and health information, they can supply quotes and policy options to you.

Answer 7

I reccomend Health Net. Blue's are a value sale...

Answer 8

contact an independent insurancebroker with quality assured symbol.