Monday, December 24, 2012

How do i go about getting a health insurance plan


How do i go about getting a health insurance plan?
I want to purchase health insurance on my own.
What is a good place to start? How do I find out what kind of mental health coverage I can get? I am really inexperienced with this...any help will be much appreciated!
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
I work for an insurance company. Depending where you live, the insurance cost may very from state to state. If are employed with a company who offers health insureance, you may have no to some premium payments to make to have the benefits. If you are purchasing the benefits or getting them through an employer, you often have on to two choices of health coverage: 1) a PPO, which stands for Prefered Provider's Office (like blue cross or anthem). With this type of insurance you can usually fing a vast lits of providing doctors who will be contrated with the insurance company who you have contracted. This providers have to obey the regulated rates at which the company will pay for procedures and no more. The difference in what they charge and what the contrated rate is can not be balanced billed to the insured. You also may have somthing that is called a "deductable" and an "out of pocket expence" which is kind of like your share to pay for your medical expenses. There is no "head" doctor to see and you can choose your specialis without referal. 2) an HMO (like pacificare and ethna), is a group of physicians who are contracted under the HMO. Most of the time, you medical expenses will be paid for in full after you pay you office co-payment. MOst of the time there is no "deductable" and or "out of pocket." Most of the time you have to select a head doctor who will be your primary health care physician, he will be in charged of refering you to a specialist if he sees it fit, if he/she does not, you are out of luck. Mental health agencies like HMC/CAPS will be a group of contracted mental health physicians who will run, usually, as you health physician would. * in addition, find out if your plan includes dental coverage, Rx coverage, vision, death benefit, ortho, chiro, etc. Purchasing on your own most often will not be cheaper then 400-600 dollars per month. If you have an employer, it could range from 0-120 dollars a month. Hope this helps. Cheers!
2 :
online inssurance help from expert http://insuranceshelp.info/
3 :
The bets thing to do is make a full research first and start to compare all the prices and benefits. Or if you want the easy way you can simply get a consultancy from professionals. Here is my source: http://www.myhealth-forum.com/
4 :
you are supposed to collect as much as resource as you can by searching the relevant keyword in search engine,if you have good luck there,then your problem solved.however,if you could not find the fitful answer by doing that,here http://www.HealthInsuranceFreeTips.info is the resource i prefered.
5 :
You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. 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 suggest a discount plan which is not insurance at all. That adviser can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network. Check with the agent that writes your home or auto insurance he/she can generally provide you a health insurance proposal that takes into account your budget and health situation. 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. 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 and low copays your monthly premiums will be significant. On the other hand if you are young and healthy and rarely use the health care system you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead. Use the Internet to educate yourself but use an agent to purchase the coverage.
6 :
Try this one - http://healthplans.my-age.net - my family have their health insurance - it is affordable and has good coverage for dental issues.


Read more discussions :
Posted by Health Insurance at 8:23 PM