I work for myself now and have NO idea where to get good insurance. There are so many scams out there and I need insurance for me and my wife. Help please!
2007-05-20 19:32:54 · 7 answers · asked by Anonymous in Health ➔ General Health Care ➔ Other - General Health Care
Trust me on this one. Go to EHealth.com....they will ask you all the questions about your current situation and compare tons of policies and rate the companies. You just pick the best policy and sign up.
They are reliable, have been in business for many years and make no direct commission off the sale. For example if you sign with Humana directly you save no money over signing from this site. If you have questions about the policy, deductibles etc you can call them and answer them for you.
I looked at tons of options and this was the best.
Good luck.
2007-05-20 19:45:13 · answer #1 · answered by flafuncop 2 · 0⤊ 0⤋
Here are a few questions you need to consider
Local Agent vs National Sales Person - Does the person/company have an office in your city/state?
Hospital Deductible - This is the amount that you will need to pay in the event someone needs to be hospitalized. These range from $500-$5000
Dr. Office Co-Pay - This is the amount that you will need to pay the Dr. Office each time that you visit them. These range from $0-$50
Hospital Co-Insurance (usually listed as 80/20 or 70/30) - This is the amount of money that you and the insurance company pay base upon %. For example - if the policy says 80/20 then after you pay the initial deductible then you would pay 20% of the covered expenses and the insurance company would pay 80% of the covered expenses up to the Stop Loss. (usually $5,000 or $10,000)
OOP - Out of Pocket expenses - this means the total amount of covered expenses that you would be responsible to pay. This does not include non covered expenses..
Rx Coverage - What is the cost for generic, and others...
Conditions that might be excluded - All insurance companies consider risk when evaluating any conditions that you might have or prescriptions that you are currently taking. One company may exclude or decline coverage while another company might cover the condition.
Not all insurance companies price the same. They each have their own strengths and weaknesses. Some have good networks, some have dental included,
These are a few of the questions. The agent you choose must be licensed in the state you reside in. I hope this helps
2007-05-21 13:25:38 · answer #2 · answered by brent_t_tx 2 · 0⤊ 0⤋
It boils down to how much you have to spend and how much coverage you want. Blue Cross/Blue Shield has introductory health insurance programs that are cheap but do not offer a great deal of coverage. Likewise, I'm sure other companies offer different deals... you will need to do some homework to find the plan right for you.
If you want a reasonable amount of coverage, you will probably pay a lot of money for health insurance if you're self-employed; this is an unfortunate reality and is unavoidable. This is not because the companies are evil and trying to destroy your life, but because of the nature of the business.
Look in your newspaper for insurance agents, or perhaps do some homework online. Your state government may offer temporary health coverage (albeit very expensively); this is another alternative you may choose to investigate until you make a more permanent decision.
2007-05-21 02:39:36 · answer #3 · answered by Anonymous · 0⤊ 0⤋
self employed health insurance is very expensive. hell any health insurance is very expensive. unfortunately you are limited on where to go because the big companies will have the cheapest rates. i had unicare and blue cross,, they were reasonable even though they were hmo's. try calling some of the well known companies. try these two, they both have websites...
2007-05-21 02:38:40 · answer #4 · answered by yakitismak 3 · 0⤊ 0⤋
Contact Blue Cross. They have good health plans at reasonable rates. Remember health care is expensive to compare before you look at blue cross to find out what you are really getting your self into.
I am self employed and a former health benefits administrator.
2007-05-21 02:38:54 · answer #5 · answered by The Answer Guy 4 · 0⤊ 0⤋
look at Wahington Mutual which is good and also not too expensive. Blue Shield also.. There are a few more really popular names too but are a lot more expensive. If she is fairly young look around because you should be able to get a reasonable price. I am looking now also but I am still debuating on a few companies. My mom is with AARP for her drug costs and she gets really great deals.
2007-05-21 02:37:48 · answer #6 · answered by Brandy W 2 · 0⤊ 0⤋
Blue cross blue shield has individual plans- I'm sure there are others, too.
2007-05-21 02:35:54 · answer #7 · answered by Anonymous · 0⤊ 0⤋