Friday, August 28, 2009

What's the best health insurance company not tied to a single location

What's the best health insurance company not tied to a single location?
I'm a travelling sales person with multiple mailing addresses. What location in the United States has the best health insurance rates and best health care? I'm in my mid 30's, non-smoker, healthy.
Insurance - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
You can have a thousand mailing addresses, but a health insurance company is only allowed to sell you a policy if your one permanent, legal residence is in a state where they have a license. The best company is whichever one has a license there, because you are not allowed to use a mailing address in a state other than your state of residence to obtain insurance from a company that is not licensed where your legal residence is. If you do manage to get a policy this way, then you have given them a perfect excuse to cancel your policy whenever they want, usually right after they receive a large claim, and before they pay it. (If a policy is rescinded due to fraud, the decision is retroactive, and you are not covered for the outstanding bills, and you must repay whatever claims have already been paid.)
2 :
It depends on where you live. BlueCross in Maryland AND in California both allow you to move to other states and maintain your coverage. You only have to live in those states when you buy. With other companies you could use your coverage in other states, but if you continuallly changed your address you may either lose your coverage (if they don't sell there) OR te price of the plan could change. Just call an insurance broker that sells in multiple states that knows what they're talking about.
3 :
It doesn't matter how many "mailing addresses" you have. You can only have one legal residence.
4 :
You only have ONE legal residence, where you register to vote and file your taxes. That's the state where you buy your insurance from. You need to talk to a local broker, who can find a carrier in YOUR state, who will cover you out of state, also. You probably won't be able to do this yourself (without spending hundreds of hours researching), and you shouldn't buy online, anyway.

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