Jul
My family currently gets our health insurance thought my husbands job. His employer has changed there policy and the price is very high and doesn't even cover that much. We now spend $282 for a $10,000 deductible for family and we need to change this by next year. It is just terrible.
Answer:
There are many good health insurance plans available but it will require a lot of comparison shopping to find out which ones are available in your area.
I would advocate requesting free quotes from the following three quoting services by using these three you’ll get quotes from several of the top health insurance carriers such as: Humana, Anthem, Aetna, United Health Care, Golden Rule, PacifiCare, Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company.
These are just a handful of the top carriers between the three of these services there are about 150 to 200 companies available.
The three links are:
http://www.anrdoezrs.net/click-2952034-1…
http://click.linksynergy.com/fs-bin/clic…
http://www.anrdoezrs.net/click-3014621-1…
Once you settle on what two or three companies that you feel are offering the ideal quotes then check out their financial rating. You want to make sure that the one that you end up applying for coverage with has a good finaicial rating you can do this by going to http://www.InsuranceEasy.org on their homepage on the right hand side at the top they’ve a link to independent rating services that rate insurance companies based on their financial strength.
Answer:
As most have already answered…it depends on where you live, what your ages are and what (if any) pre-existing conditions you might have. These factors go into selecting an appropriate plan for your family.
Different carriers cater to different groups of individuals and price their plans accordingly.
Deductibles and premiums are like the supply and demand curve you studied in high school…when one goes up the other goes down and vice versa. Therefore, the plan that you’re on is very affordable because the deductible is so high. In my say (California) if you are a typical 30-35 yr old family the plan rates range from:
$1,000 deductible $800 to $975 a month
$3,000 deductible $600 to $725 a month
$5,000 deductible $385 to $500 a month
$10,000 deductible $236 to $350 a month.
Years gone past these high deductible plans were known as “Major Medical”. Meaning that it was expected that the consumer pay for their Dr visits and medications but the plan would cover you in the event you were in the hospital. Then the HMO entered the picture and, quite frankly, destroyed the consumer equlibrium in price. Now, we've come full circle only we were blinded for a few years so the cost is shocking.
Take care,
Blake
www.healthanddentalplans.net
Answer:
Depends on where you live. You’re right in wanting to change to private insurance mostly because you own the policy, not your employer. With individual insurance you can select a policy that best fits your needs, and as long as you continue to pay the premiums you can’t canceled or singled out for a rate increase.
Your best bet is to find a local agent. What takes you hours to sort through, takes him minutes.
god luck,
Don
http://mtnhealthinsurance.com
Answer:
Most independent health insurance agents have access to comparative rating systems that can provide you hundreds of quotes at once. The best thing I can suggest is to work with someone local and in person.
Answer:
Google “Assurant Health” and “Golden Rule Insurance Co.”
If these companies do business in your state, there will be local independent agents in your area. You can find local agents on the websites.
Answer:
Depends on where you live. You just need an insurance broker (like us) that does business where you live.
A broker can show you multiple (if not all) that are available to you.
Answer:
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