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I am looking for some to cover my family with, but don't want to pay a fortune. Any help would be appreciated.

2006-11-29 05:29:51 · 5 answers · asked by Anonymous in Business & Finance Insurance

5 answers

This is a plan that saves you up to 80% on healthcare. It includes pre-existing conditions, specialists, labs, hospital stays, x-rays, and a lot more. It also includes free Dental, and Prescription. It's $59.95 per month for your entire household. http://mybenefitsplus.com/40436527

2006-11-29 07:28:18 · answer #1 · answered by Shea32 2 · 0 0

First you will need an education on health Insurance, I teach a class called Healthcare 101. I will try to give you a crash course, and also recommend you go online or to your local book store and purchase Paul Zanes books regarding healthcare.

Terms:
PPO (Preferred Provider Organization) With this type of plan you can go see anyone who is a Preferred Provider, typically thousands of providers are available. These types of plans typically have Deductibles (some offer no deductibles), and co-insurance. With this type of plan you pay only if you go in for medical claims.

HMO (Health maintaince Organization) With this type of plan you can only go see one Doctor, which is known as your Primary Care physician. This is a pre-paid type of plan, meaning that your premiums are higher because every month a percentage is paid directly to the Doctor or the IPA you have chosen as your primary care physician.

HSA (Health Savings Accounts) These are the newest types of plans available in the USA, high deductible plans -also known as Consumer Driven Health Plans. Excellent for anyone who is self employed in America, these are fast becoming quite popular.

You asked about covering your family, but not wanting to pay a fortune. (Excellent Question)

First ask yourself a few questions?
Do you have certain doctors or hospitals you would like to stick with?
Find out if your Dr. is a PPO or HMO
What is your net worth? This is important because some policies only cover you up to 500,000. if your net worth is higher you should seek out higher life time maximums.
Do you live a healthy lifestyle? If you live a healthy lifestyle and have good genetics I would suggest a High Deductible plan, of course no one knows the future so take heed that if you pick a high deductible plan you will be paying thousands if something were to happen.

A few things to ask when buying a plan?
a. Max. out of pocket= this is the most you will pay in a calendar year if you stay within the network of providers.
b. Lifetime max. this is the most your health insurance co. will pay out in claims
c. Exclusions of plan "read the EOC prior to purchasing plan"

Learn more at www.HSAInside.com I am the President, Rudy Rivas

2006-11-29 14:31:22 · answer #2 · answered by Anonymous · 0 0

HIP is pretty cheap, but don't expect them to pay out in the event of a major medical emergency, such as requiring heart surgery.

2006-11-29 05:32:36 · answer #3 · answered by Anonymous · 0 0

What state are you in? As far as I know, Aetna has been giving the best rates around, but check it out where you live.

2006-11-29 07:40:23 · answer #4 · answered by zippythejessi 7 · 0 0

you can search on www.ehealthinsurance.com to compare health insurance plans and companies.

2006-11-29 05:39:50 · answer #5 · answered by Anonymous · 0 0

fedest.com, questions and answers