What is a good health insurance?
I want tο gеt insurance fοr mе аnd mу husband. I need аn insurance thаt offer health dental аnd vision benefits. I hаνе seen alot οf insurances, bυt i want аn insurance thаt gives mе gοοd benefits, nοt јυѕt discounts. Cаn someone please give mе opinions аbουt уουr insurance аnd whаt benefits thеу provide уου?
For the most part you will want to make sure you purchase a major medical health insurance plan with comprehensive coverage for prescriptions and doctors visits.
The plan should not have any procedure limits or annual limits on care and it should have a lifetime maximum coverage limit of at least $3,000,000.
Choose a plan from a reputable company like United Healthcare, BCBS, Aetna, Humana, etc.
Steer clear of discount cards and other scams.
Here is some more information on finding the best health insurance plan:
check with your employers, I know Preferred Care is a good one.
If you are in college, you may want to check out health insurance programs that are written through your school. United Healthcare has a plan available at many US schools. These student injury and illness plans provide wide ranging coverage and are designed to be more affordable than an individual policy. To check if your school is participating, go to http://www.UHCSR.com and enter your school name at the prompt. Even if your school is not contracted with United Healthcare, you may become eligible be joining the ACSA (American College Student Association) for a minimal fee, and take advantage of the plan that covers college students across the US. If you don’t find your school listed, type in ACSA and view the benefits available to their members.
First, I would just warn you to be cautious about discount programs. Healthcare discount programs do not provide you with health insurance, just marginally lower costs for certain medical or dental services. Not that it isn’t helpful for some people, but if you want real health insurance designed to provide more substantial protection, look for an employer-sponsored group plan or an individual and family health insurance plan.
Assuming that you have no employer-sponsored options available now, you should talk with a licensed health insurance agent to help you get an idea of what’s available in your area. It doesn’t cost anything extra to work through an agent. You can also check out your options by visiting an online health insurance agency like eHealthInsurance.com, where I work. Through our website you can get free quotes from leading insurance companies in your area, compare plan rates and benefits, and apply for coverage online. Plus, we have customer reviews for many of the health insurance plans listed on our site.
We also have a Plan Advisor tool that might be helpful for you. After getting quotes on our site, look for the “Plan Advisor” tab near the top of the screen to help you narrow down your options. For personal help you can call one of our licensed agents at 1-800-977-8860.
One more thing – health, dental and vision insurance plans are usually sold separately. You can buy dental and vision benefits on your own, but you’ll want to work through an agent to help you find a good match for your needs.
Best,
Amir M, licensed agent