Anyone have any great health insurance policies?
Question:
Answer:
The idea of a "Great" plan will differ with every person you like, I can give you some ideas on what is available and I hope this helps. First let me start by sayiing the fact that you need prescriptions may or may not affect you qualifying for a plan, please consult with a qualified Health Insurance Agent in your area, or a Health Insurance Company in your state.
Plans and what is available in the USA:
PPO (Preferred Provider Organization) This type of plan is most popular, whereas you can visit physicians and medical professionals, hospitals ET that are within the network and receive services at pre-negotiated rates. This type of plan will offer Deductibles, Co-Insurance, Co-pays. You will only pay for services if needed, or as you go along. The advantage with a PPO is that they allow you to visit thousands of different doctors, the Disadvantage is that you must pay deductibles, co-insurance, copays- which can cost you thousands if you actually use the plan.
HMO (health maintence organization) with this type of plan you pre-pay for medical needs. You will pick one physician as your primary care physician and see her/him for all your medical needs. They include Co-pays, and some now include deductibles for hospitalization. Advantages, excellent for someone who wants to use lots of services -little or no out of pocket costs for medical services. Disadvantages, Primary care physicians can be very busy and you will be locked in, referrals must come from the primary care physician.
HSA (Health SAvings Accounts) these are the newest type of plans, called "Consumer Driven Healthcare" perfect for anyone self employed and healthy. They have High Deductibles, the consumer will pay for all medical needs up to deductible, and can open a HSA account at a financial institution in order to save money (fed. tax free)!! to pay toward his/her deductible. I personally have this type of plan, these are the fastest growing types of plans in USA. Advantages, Low premiums, Tax savings are wonderful, long term savings can benefit your retirement account. Disadvantages, with no HSA account funded the consumer could pay a high deductible for medical needs.
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I think I have a fantastic plan! I have Blue Cross and Blue shield the Blue Access Choice plan. I have it for just me, so my deductable is $5000, but I have the Blue Access Choice 100 plan, which if a major event happens, you pay up to $5,000 and then they cover the rest 100%.
I love it because you get $25 copay for Dr. visits, and you get a good reasonable Rx plan.its a $15/$30/$60 plan, which is Generic is $15, Tier 1 is $30 and Tier 2 is $60. They also have mail order Rx available, so you can get a 90 day supply for your copyment times 2.
Since you wouldnt want such a high deductable for a family, you may want to get a Blue Access Choice plan that only covers 80% after your deductable.
I would check it out. I was paying $112 per month with GHP and now with BCBS I pay $88. Granted with the Blue Access Choice plan you dont get copayment for emergency room visits or urgent care, but if you are on a budget and need Dr. visits and Rxs, I'd go with the Blue Access Choice.
There are other plans from BCBS that offer copays on emergency rooms and stuff also, but they probably are a higher premium.
Also, they have Dental coverage available too!
Try visiting www.HealthInsuranceAnywhere.ne... This service lets you instantly compare the benefits available from multiple providers in your state. You should be able to see if anyone here is offering a great plan for you in under 5 minutes.
Good luck!
The best way to find the right health insurance at an affordable price is to shop around. When you have people depending on you, it's important to make sure that you are fully covered. There are three main types of traditional health plans: PPOs, HMOs, and POSs.
You May Want a PPO If:
• You’d like the option of seeking out-of-network care.
• You don’t mind making a co-payment—usually about $20—at the time of each visit.
• You don’t mind paying a yearly out-of-pocket deductible before your insurer will begin coverage.
• You’d like to benefit from discounted prescriptions and a large network of doctors from which to choose.
You May Want an HMO If:
• You are a relatively healthy individual with no abnormal conditions that would require a specialist.
• You want to avoid filling out numerous insurance forms.
• You value preventative health care in the form of programs that encourage healthier life choices to achieve better health.
• You’d like to benefit from slightly reduced premiums.
• You don’t mind working with only one primary-care physician who must refer you to a specialist for any unusual medical needs.
You May Want a POS If:
• You can’t decide between a HMO and PPO—this one is like a hybrid of the two.
• You’d like to choose between the HMO or PPO option each time you need care.
• You’d like the flexibility of going out of network and don’t mind higher co-pays or coinsurance when you do.
• You’d like to decide whether or not to pick a primary-care physician.
Evaluate your health, financial situation and time constraints—even your personality type. If you are the type who prefers structure and organization, an HMO would suit you much better than a PPO. If you have a chronic health condition that requires frequent medical attention, a PPO or POS is your best bet.
Using a non-biased, third-party company, like InsureMe.com, to get free quotes from several, top companies will ensure you get a great health insurance policy at the right price.
Try them,
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