2007-03-07 02:41:23 · 3 answers · asked by Kortni K 1 in Health ➔ General Health Care ➔ Other - General Health Care
Theres some good information on health insurance, getting good deals and general info etc here http://geobay.com/c21307 hope it helps.
2007-03-09 12:41:42 · answer #1 · answered by gooner1212 3 · 0⤊ 0⤋
previous answerer sounds like a salesperson for Aetna. But in reality all insurance companies are a rip off. You're better off without any. Most hospitals are not allowed to turn you away and if you have Medicare or Medicaid you're home free. I am a healthcare worker and have been for 30 years. The people with insurance have to pay the most, when those without, such as our immigrant friends just dance in the door and don't have to worry about paying because there's no real address to send the bill.
But back to the original question, if you are buying an individiual policy on your own get ready to fork out some bucks. But if your employer offers it as a benefit that you can purchase, you can get a much better deal but your healthcare providers are preselected by the insurance company and they are not always the best MD's.
Aetna and Bluecross are probably some of the more reputable companies. Don't get anything that is advertised over the TV
2007-03-07 21:40:53 · answer #2 · answered by cpfirmin 2 · 0⤊ 0⤋
Are you asking best health insurance as in the best company to have health insurance from, or for you in general?
I believe that Aetna is the number 1 best health insurance company.
If it's for you, you should be basing the health insurance on how often you go to the doctor's, and if you have any children. That can lead to your choices of HMOs and PPOs and make your decisions easier. If you hardly get sick and only go for regular checkups, I would suggest a HMO. It's cheaper for you and you'll only be paying copays, but, you will have to stay within the IPA. With PPOs, if you go to the doctors a lot, I mean, more than usual, you should go with this product. It means that you'll meet your deductible fast, and the plan pays at 100%. Make sure you pay attention to whether or not the provider is within your network or not. With a PPO, you have an in-network deductible, and an out-of-network deductible.
2007-03-07 05:07:58 · answer #3 · answered by Cherry_Fire 3 · 0⤊ 0⤋