which health insurance is better?
2006-08-21 08:01:57 · 13 answers · asked by Anonymous in Health ➔ Women's Health
That depends on your area. One that has lots of doctors and hospitals in your local area, and does not have a bad name (in NJ that is Blue Cross in Cali it was Kaiser) and they are full coverage. I just got out of the hospital and was happy to have good insurance.
2006-08-21 08:07:46 · answer #1 · answered by admiralgill 4 · 0⤊ 0⤋
I liked my PPO Blue Cross. I was able to go to any doctor of my chosing. It cost more but it was well worth it. Now I have an HMO with Blue Coss because the PPO is $220 a month with my company. With the HMO I pick a plan and a primary in the plan. They are the only doctor I can pick and will need referrals and approvals to see a specialist. If the cost each month is do-able and you use the doctor a lot I would pick PPO. If they offer Kaiser, stay away!
That is just my opinion.
2006-08-21 08:11:53 · answer #2 · answered by foreverbean 2 · 0⤊ 0⤋
There are two main types of health insurance, HMO & PPO
PPO- you can go to any doctor you wish, you will pay either the in network price or the out of network price.
HMO- you can only go to certain facilities and certain doctors. If you do not go to them, you most likely will not be covered.
Also, the more you pay in monthly premiums the less you will pay when you need to use your medical insurance. Visa Versa, the less you pay per month, the more you will pay when you use your medical insurance.
2006-08-21 09:34:54 · answer #3 · answered by GoWhitey33 3 · 0⤊ 0⤋
I would recommend you to try this web site where you can get quotes from different companies: http://insuranceforcheap.info/index.html?src=3YAkedtuy7L6
RE :Health insurance?
which health insurance is better?
Follow 13 answers
2016-11-27 19:27:50 · answer #4 · answered by ? 6 · 0⤊ 0⤋
If you visit the doctor many times a year and get many lab work - choose PPO. Expensive monthly payments.
If you visit the doctor 2-3 times a year and get 2 labs a year - choose HMO. Less-expensive monthly payments.
Ask your HR person for additional information, cost, benefits payments for procedures, etc.
Good Luck, and if it doesn't work for you for the 1st year, you may change the plan the next open enrollment.
2006-08-23 15:21:29 · answer #5 · answered by tcnt 1 · 0⤊ 0⤋
You have either group or individual. Group is thru your employer. Individual is for just you and your family. Depends on your situation, medical conditions, age, tobacco use, and ht/wt. Best if you go talk to an agent that represents various companies. BCBS is a great place to start looking.
2006-08-21 08:09:06 · answer #6 · answered by Jasmine 5 · 0⤊ 0⤋
This fullmoon guy sells Ameriplan because he's pasting it all over the site in almost every forum.They sell their rip-off through independent brokers but what they don't tell you is virtually noone accepts the plan and you could have to drive 100 miles from home to find a provider. www.ripoffreport.com
2006-08-25 05:20:23 · answer #7 · answered by joecseko 6 · 0⤊ 0⤋
you have to be more specific...
what exactly are you looking for...
traditional plan, an hmo, a ppo, direct access...
do you want to have out of network benefits...
or is in network benefits good enough..
there are many variations to insurance...
you must be more specific if you want me to give you the correct answer
2006-08-21 08:16:45 · answer #8 · answered by ﺸÐïåMóñdÐôññåﺸ 5 · 0⤊ 0⤋
At - INSURECOMPARECAR.INFO- you can compare free quotes
RE Health insurance?
which health insurance is better?
2014-09-23 14:46:08 · answer #9 · answered by Anonymous · 0⤊ 0⤋
it depends what you can afford, and what diagnosis that you have...i would shop around first...
I do have to say...Blue Cross Blue Shield is NOT what they are cracked up to be..expensive and don't want to pay out..
I worked in a Doctor's office so I know about that one
2006-08-21 08:08:09 · answer #10 · answered by Anonymous · 0⤊ 0⤋