I am looking for health insurance without breaking the bank. What are good but inexpensive health insurance companies? I need good prescription coverage.
Other - General Health Care - 4 Answers
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1 :
bupa is supposed to be good. although they dont cover any ailments that you have had in the past only new ones. for eg if you had a sore back last year then bupa would never cover you for your back
2 :
Good, inexpensive health insurance that has good prescription coverage without breaking the bank.......hmmmm I don't believe this exists. If you need good prescription coverage you are probably taking prescribed meds for some medical condition which is pre-existing so they won't insure you without a rider which means they won't cover anything associated with that condition and you will pay an arm and leg for partial coverage. I seriously would go to an independent insurance agency and let them do the leg work. The other option is to find a job who provides insurance. Some hospitals will provide health insurance for persons working as little as 24 hours in a pay period. Update-Just found out working at Star Bucks provides insurance for working just 20hrs/wk and all the free Cappuccinos/Lattes you want.
3 :
Hi Mary, Here is some info that should help you avoid "breaking the bank". It's an affordable dental discount plan for your entire household with savings up to 80% for only $19.95/ month. The package includes dental, vision, prescription, and chiropractic services. There is also a plan that offers medical and dental for $39.95/month, which also covers your entire household. Here is the website. Check it out. http://www.Deliveringonthepromise.com/JRogers All the best with keep the bank in one piece :) ~Juanita~
4 :
Hi Mary. Please don't buy a discount plan. They are not worth the paper they are printed on. In fact, some have had class actions against them. They are a pyramid-scheme type of program, with people getting paid by signing people up under them to market the plan. Anything that requires a license, and those people don't HAVE a license, is trouble. Here is what to do: Find a good BROKER. Someone who only does health insurance and does not work for a specific company to research for you. They shouldn't charge you for that service. Find someone that's been in business for awhile (one that doesn't need to sell you a high commission plan to pay their mortgage that month). So many people want to shop online themselves. I've said it before in my answers, I'll say it again...A car repair manual doesn't make you a mechanic. Same thing with health insurance. Having said that, I always try to answer the question that is posed by the asker. As far as plans go, it will depend on your state, your age, your health, etc. But one plan here in Nevada that balances premium and has decent rx coverage is Aetna. Good chance they are in your state too as they are a national company. What makes them cheaper is they allow prescriptions while having a very high deductible (which you don't have to meet for prescriptions). Higher deductible = lower premium (monthly cost). Most companies won't allow copays on a very high deductible plan...they know people do that for a reason...to save money but to still get their small things covered. Don't be afraid of high deductibles...all PPO plans (you want to avoid HMO's) give 'negotiated' rates. some of which can exceed 90 % ! So, unless you have a pretty major incident, chances are you won't have to come up with that whole deductible. As an example, my $25,000 outpatient knee surgery's negotiated rate was $2,000 ! I saved $23 grand without the insurance company paying a dime ! Again, a good broker can direct you. THe number for Aetna is 1-800-54AETNA. There are so many other things that come into play, though. Good Luck
