What is the best way to compare health insurance rates? Any tips for finding cheap insurance?
I could really use some insurance, but my job doesn’t offer benefits. I’m willing to pay what I have to…if I can…but I want to make sure I’m going with the best deal, too.
Thanks!
I just wrote a PPO policy through Aetna for a 47 year old male with a $30 co-pay for doctor visits (deductible exempt) and $15 generic prescription costs for $117 per month in Washington, DC. The policy did include an annual deductible of $7500 which applied to lab costs, hospitalizations, etc. There were several other plans that were under $150 per month with different options but for a healthy person in his age range and his budget this was the best. I was able to show this client over 16 different plans with several different companies, varying costs and benefits and answer his questions so that he could make an informed choice.
Depending on where you live a local independent agent should be able to obtain several quotes for you that will be reasonable and still provide you with the coverage you need and want and be able to answer your questions. You can go to this website to find a local independent agent: http://www.iiaba.net/agentlocator/findag…
By the way, I do not suggest that you obtain quotes from a website. Health insurance is extremely complicated and it is best to work with someone in person who will be able to sit down with you and will be able answer all your questions, show you multiple plans, deductible options, etc.
I hope this information helps. Good Luck!
Try http://www.ehealthinsurance.com but make sure to enter your location and date of birth correctly.
Common situation you met like many other people,be patient,and check the resource here
http://www.HealthInsuranceIdeas.info
i found useful.
You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. You decide what the right balance is between affordability and policy benefits.
If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low co-pays and optional vision and dental benefits your monthly premiums will be significant.
On the other hand if you are young, healthy and don’t often use the health care system you could consider a plan that covers only the major health catastrophe. If that is too scary consider a plan with a higher in hospital deductible, higher co-pays for doctor’s office visits and perhaps not cover prescription drugs.. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead.
Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health status. They can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network.
Some are going to suggest you go to their web site so that they earn a few pennies on a “click through”. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even “pitch” a discount plan that is not insurance at all. Use the Internet to educate yourself but use an agent to purchase the coverage.
You can find health insurance quotes online that are pretty inexpensive. http://healthinsuranceconnection.info/ has a short form you fill out and you can get rates from a bunch of different providers.
Everyone keeps asking this same question. Why don’t you contact a local insurance agent and ask for their help in writing up the best policy for you? If you know the names of the companies in your area, call them and get the info in the mail. Prices vary in different states and policy premiums depend on your age, your health status and what benefits you want.