Health Insurance

[smitty81]

Does anyone know of some reputable companies that offer health insurance other than Blue Cross?

looking to pick up some insurance for the family and wanting to look at a few more options to see whats out there.

[awsmith4]

I use Conventry, but what I did was find an insurance broker in my area and have them find the best plan for my family needs. They priced Coventry, Blue Cross, and several others against each other using the same criteria and Coventry was the best for us.

[mmblz]

good luck, esp if you need maternity coverage.
might as well start practicing bending over right now...

[smitty81]

Originally Posted by mmblz

good luck, esp if you need maternity coverage.
might as well start practicing bending over right now...

Good luck with what? Finding insurance?

[awsmith4]

Originally Posted by mmblz

good luck, esp if you need maternity coverage.
might as well start practicing bending over right now...

Very true. Its expensive to get maternity coverage before she's pregnant but dream on if she is already pregnant.

[mmblz]

Finding a rate that is even remotely reasonable.
Wasn't even thinking what Albert said but that is certainly true too.

[smitty81]

Shes not pregnant..........Also, I don't have to pay for it.

[mmblz]

ps I only brought up maternity coverage because it will roughly double your rate

[smitty81]

Originally Posted by mmblz

ps I only brought up maternity coverage because it will roughly double your rate

I got one quote and maternity was $100.00 more...........

[awsmith4]

Originally Posted by smitty81

I got one quote and maternity was $100.00 more...........

Which for me was double my wife's normal premium, Julian was just trying to help


Here is Coventry Nebraska page
http://chcnebraska.coventryhealthcare.com/

[mmblz]

Originally Posted by awsmith4

Which for me was double my wife's normal premium, Julian was just trying to help

And I will say I hate you for having such a low rate - I won't even get in to what we pay

[Da Klugs]

Three Letters.....

HSA

To go along with a high deductable plan.

It's the modern configuration that minimizes the premium (and the benfiit up to levels you could categorize as "care") by providing group pricing for services but only paying when you reach high deductables.

Health insurance in this country had/has morphed into health care. Health care is expensive. If you are only looking for "insurance" (say above $ 5000 a year for a family) you can get pretty resonable rates.

If you are looking for "Health care" with low copays and deductables - well there are no free rides.

Contact a local broker who reps multiple plans is a thought.

[smitty81]

thanks, I will check it out!

[kaisersozei]

This article provides a pretty good overview

http://www.forbes.com/sites/kerryhan...loyed-in-2012/

and you can find a number of companies offering individual policies here

http://www.ehealthinsurance.com/

[smitty81]

Originally Posted by kaisersozei

This article provides a pretty good overview

http://www.forbes.com/sites/kerryhan...loyed-in-2012/

and you can find a number of companies offering individual policies here

http://www.ehealthinsurance.com/

will look at it too

[poker]

Check out http://www.ehealthinsurance.com/

They list many different insurance plans and you can compare them. The wife & I used to have Kaiser but we opted to change to a Blue Cross ClearProtection Plus 1000 PPO

[smitty81]

Thanks guys!

[Sauer Grapes]

I was always "happy" with my BCBS ppo plan. I know it's apples to oranges, but my Aetna HMO is a constant headache if you ever need anything beyond a check up. I'll never do an HMO again, and if I can avoid Aetna, I will.

[fencefixer]

We have United Healthcare with an HSA. Incentives are quit smoking program, healthy back, maternity program (regular checkup during pregnancy) and they even reward you with money for joining the program. $250 for quitting smoking, $500 for maternity, etc. I pay about $270 monthly with $5000 deductible. Not quite sure about out of pocket, I'd have to look it up. Good luck... USA is horrible with healthcare..

[poker]

$270 monthly? Ack, Im close to 540/mo for me & the wife