I just recently became self employed. Can anyone suggest any good individual health plans that they might have some experience with??
2007-07-31 00:54:52 · 7 answers · asked by william e 2 in Health ➔ Other - Health
You'll want to visit a local independent agent. Plans and companies vary by state and the agent knows what is available in your area. They work with all the major companies and are able to compare all the plans available. The plans and premiums are the same whether you go through the agent or buy directly from the company.
Do not try to do this over the internet. It'll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy or cause you to be declined or if you are out of the height and weight guidelines you won't know until you've applied and gone through the underwriting process.
You may get answers here concerning medical discount plans. Be very wary of these plans. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards as well.
Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.
2007-07-31 05:46:34 · answer #1 · answered by Zarnev 7 · 0⤊ 0⤋
There’s a new company offering low cost individual health plans in Texas for young, reasonably healthy people, and is a great health insurance solution for the self-employed. You buy into a plan at a super low cost with fixed benefits that will cover the typical activities and preventative care of a healthy person. Then, if something catastrophic happens, you have the option to get additional levels of coverage, even AFTER the event. A healthy male 25-years-old (and under) would pay under $100 a month for basic coverage. Check them out at http://www.precedent.com - Even if you’re not in Texas, my understanding is that they’ll be offering plans in additional states soon. I hope you find what you need!
2007-08-03 06:59:57 · answer #2 · answered by Chloe 2 · 0⤊ 0⤋
Check out 'The Golden Rule' health insurance
Low monthly rates. $25 co pay for office visits
Cheap prescriptions
Low deductible rates...
Worth looking into!
2007-07-31 01:05:09 · answer #3 · answered by Mom 4 · 0⤊ 0⤋
You might want to try and bookmark this site for research information on health insurance. news, articles and more. It may have the resources to help you with your question.
http://www.healthinsurance-guide.net/
2007-08-03 01:45:55 · answer #4 · answered by Anonymous · 0⤊ 0⤋
AARP seems to have an outstanding plan. they seem to technique claims promptly and function good shopper help. the actual benefit is that's good all over the rustic, that's considerable in case you holiday.
2016-10-08 21:37:39 · answer #5 · answered by ? 4 · 0⤊ 0⤋
i have had an hmo for long time. it s great they are higher right now to belong but they do have some good points you have to find the right doctor and when you do that cares about you and your famly you have it made.
2007-08-03 16:36:38 · answer #6 · answered by Tsunami 7 · 0⤊ 0⤋