what is the best absolute posibble health insurance to have?
Tuesday, December 8th, 2009 at
6:49 am
poetgirl asked:
I wanted to know what is the best health insurance. Can I pay out of pocket for something like blue cross how much is it.
I wanted to know what is the best health insurance. Can I pay out of pocket for something like blue cross how much is it.
Filed under: Health Insurance
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No such thing as the absolute best health insurance – everyone’s needs are different, and what’s the best for me may not be for you, and vise versa.
You can pay out of pocket for plans, but figure you’re going to pay about $400 a month for just yourself. (That’s what my Blue Cross Blue Shield plan costs.)
The best one to have is the one our Congress and Senate have us pay for THEM. The next best, are the ones approved by the teacher unions – the NEA in MOST states, has full coverage with NO DEDUCTIBLES for anyone, not even family members, no co pays, no nothing.
Lovely being a government worker, isn’t it?
There is no “best” insurance. You can find plans that fit you the best, but if you want a low premium, a low deductible, and great benefits, you better plan on paying a lot of money every month or trying to find a group insurance and paying a lot of money for it. Blue Cross Blue Shield has a web site that you can rate the options you want, high, and the ones you don’t, low. By doing this, they evaluate what plans would suit you by your choices.
Sometimes it is best to go to a local independent agency that can find you a great plan at a reasonable price.
If you find that perfect plan or the “best” plan, let me know!!!
The best coverage is the one that has the lowest payment, the lowest deductible and yet the highest benefits. Your cost will depend on your sex, your age and your health. Health insurance for a man is less expensive than for a woman of the same age. Yet life insurance costs more for a man than a woman. If you have an employer who is not providing coverage, you may want to consider a temporary plan that you can get for around 6 months until you get, or can afford, a costlier permanent plan.
Please don’t even choose United Healthcare. They are rude and pay fraudulent claims.