What is the best strength insurance for a 25 yr old-fashioned married couple?
My husband and I are looking for health insurance. I grew up on Blue Cross Blue Shield but I don't know if that is an A rate company or not. Also, what benefits should I look for, what kind of deductible and what kind of q's should I ask?
Answers:
bluecross blue sheild is the bomb
hi check this link its honourable
http://insurancess.notlong.com
.
shift to www.zanderins.com
I'm 29 and my wife and I just went through this process. This site have the best quotes available from multiple companies and it is a fairly simple process.
Blue Cross/Blue Shield
we have a 200.00 deductible per year per person.beside a 20 co pay, and we have medco for prescriptions
Usually it is up to the company that you work for, that offers the insurance..and who they go through or give (sometimes large companies/government agencies offer serveral to choose from). It also depends on where on earth you are from. Blue Cross Blue Shield is OK...I like CDPHP over BCBS--but they are peculiar to my area. Your employer should supply you near information (especially if you have the choice of more than one to choose from) that lists deductables, how much per month will be salaried out and what they will cover.
Yes, BCBS is A rated. You can always check near AM Best.
If you're getting it through your employer, you probably don't have many option. If you're buying a private policy, it's likely to cost you about $250 a month, respectively.
If you're relatively healthy, it's probably worth it to take a sophisticated deductible in exchange for a significantly lower monthly premium - RUN THE NUMBERS before you buy.
Make SURE you buy from a licensed agent IN YOUR AREA. A great price on strength insurance means NOTHING if you have to drive 200 miles to see an contained by network doctor.
And lastly, I'm sure you'll get lots of offer from this posting, for "health discount plans". They are a scam. Or rather, the incalculable majority of people you try to use them, hate them. Very few providers embezzle them, despite what the salesperson says. Plus, 60% off a $100,000 hospital bill STILL leaves you near $40,000 out of pocket. OUCH!! Source(s): agent, 21+ years
As a 25 year outdated married couple you need to ask yourself a few questions:
1) Are you planning on have children? If so, you want to make sure that the plan you select has parenthood coverage. Most straight PPO Indivdiual/Family plans do not offer Maternity Coverage that is justifiable. Depending on your area Blue Cross may offer an HMO base plan that does cover maternity. Be aware - most individual plans that cover maternity enjoy a wait period earlier the pregnancy will be a covered benefit.
2) You may also want to look at an Health Savings Account (HSA) Qualified plan. Being so young, they afford you a great way to stockpile (tax free) for future medical expenses. Also, because you are young, probability are you will not incur any huge medical expenses - so dont pay the huge premiums for a benefit rich co-pay plan - you will be able to free the premium difference between an HSA Plan and a traditional plan into you your HSA.
3) If you are self-employed - make sure you look for a plan that covers on the job accident - some plans exclude this coverage, so be sure to ask for a Sample Policy Cert before signing up for any policy
4) Use a local independent agent - they have the most acquaintance on the plans that are available in your area.
Hope this help and good luck! Source(s): http://www.SilverStateInsurance.com
the one that is afordable and your doctors accept
blue cross and blue shield, most doctors and hospitals help yourself to them
Related Questions:
Answers:
bluecross blue sheild is the bomb
hi check this link its honourable
http://insurancess.notlong.com
.
shift to www.zanderins.com
I'm 29 and my wife and I just went through this process. This site have the best quotes available from multiple companies and it is a fairly simple process.
Blue Cross/Blue Shield
we have a 200.00 deductible per year per person.beside a 20 co pay, and we have medco for prescriptions
Usually it is up to the company that you work for, that offers the insurance..and who they go through or give (sometimes large companies/government agencies offer serveral to choose from). It also depends on where on earth you are from. Blue Cross Blue Shield is OK...I like CDPHP over BCBS--but they are peculiar to my area. Your employer should supply you near information (especially if you have the choice of more than one to choose from) that lists deductables, how much per month will be salaried out and what they will cover.
Yes, BCBS is A rated. You can always check near AM Best.
If you're getting it through your employer, you probably don't have many option. If you're buying a private policy, it's likely to cost you about $250 a month, respectively.
If you're relatively healthy, it's probably worth it to take a sophisticated deductible in exchange for a significantly lower monthly premium - RUN THE NUMBERS before you buy.
Make SURE you buy from a licensed agent IN YOUR AREA. A great price on strength insurance means NOTHING if you have to drive 200 miles to see an contained by network doctor.
And lastly, I'm sure you'll get lots of offer from this posting, for "health discount plans". They are a scam. Or rather, the incalculable majority of people you try to use them, hate them. Very few providers embezzle them, despite what the salesperson says. Plus, 60% off a $100,000 hospital bill STILL leaves you near $40,000 out of pocket. OUCH!! Source(s): agent, 21+ years
As a 25 year outdated married couple you need to ask yourself a few questions:
1) Are you planning on have children? If so, you want to make sure that the plan you select has parenthood coverage. Most straight PPO Indivdiual/Family plans do not offer Maternity Coverage that is justifiable. Depending on your area Blue Cross may offer an HMO base plan that does cover maternity. Be aware - most individual plans that cover maternity enjoy a wait period earlier the pregnancy will be a covered benefit.
2) You may also want to look at an Health Savings Account (HSA) Qualified plan. Being so young, they afford you a great way to stockpile (tax free) for future medical expenses. Also, because you are young, probability are you will not incur any huge medical expenses - so dont pay the huge premiums for a benefit rich co-pay plan - you will be able to free the premium difference between an HSA Plan and a traditional plan into you your HSA.
3) If you are self-employed - make sure you look for a plan that covers on the job accident - some plans exclude this coverage, so be sure to ask for a Sample Policy Cert before signing up for any policy
4) Use a local independent agent - they have the most acquaintance on the plans that are available in your area.
Hope this help and good luck! Source(s): http://www.SilverStateInsurance.com
the one that is afordable and your doctors accept
blue cross and blue shield, most doctors and hospitals help yourself to them
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