A local agent that works with all the major companies in your area can help you find the best plan for your situation and budget. The agent can explain what you get and, more importantly, what you don't get with all the available plans. There is no extra charge using an agent.
Be aware that with health insurance you get what you pay for. If you select a basic budget plan to save premium you may not get the benefits you desire.Answer 2
You should start with reputable insurance company -- however there is no guarantee that they will not go out of business. Look at IndyMac :)
In purchasing an insurance policy it is true that you get what you pay for. Talk with an agent (not a shady one) and consider these three things to help you buy a policy:
1. Cost - how much can you afford. $150 will not take you very far for two adult.
2. Expenses - how much are you will to pay when you seek services. When you seek services you will have to pay for any or all of these: office co-pay, deductible and co-insurance.
-Office co-pay is either a flat-dollar (HMO plans) or a percentage (PPO plans) you pay when seeing a doctor.
-Deductible is the amount you pay before the insurance company pays anything (think auto-insurance deductible). Unlike auto insurance deductible where you pay per incident, health insurance deductible is paid in aggregate per year. The higher the deductible, the lower the monthly premium. I would recommend a deductible around $1000. A good insurance agent should explain this to you.
- Co-insurance: Usually with a PPO plan you'll pay for the deductible then you share the bill with the insurance company. It can be 30/70, 20/80, 10/90...where you pay the smaller percentage. The more the insurance company pays, the higher your monthly premium. Find the sweet spot where you can manage the monthly premium and still able to afford the expenses when you seek health care services.
3. The last and is the most important factor in finding a health policy is your NEEDS. Why do you need health insurance? Ask yourself do you have an illness, a health condition, need to see the doctor often, need to access hospital....??? Most people will say "I need insurance in case something happen". That's a good start. Review your past 5 years medical history and see how often you went to the doctor...When you know why you need health care insurance it will be easier to pick a plan.
Once you have a clue to the three things above, you can find an insurance plan that fits what you need. A good insurance policy is one that serves your needs and it doesn't have to be expensive. Again, a good agent will help you navigate through this process.Answer 3
You can go online, or call different insurances and get prices. What you want to look for though....and it may be a little bit more expensive...you want to stay away from plans with higher deductibles. You will have to pay more until you meet the required amount, and especially for hospital visits, if your deductible is like say...10,000 dollars...you can be paying over a thousand for that...or any tests, you may be stuck paying a portion. You figure that you may pay more a month....but it all adds up to one hospital visit, if you don't choose wisely. HMO insurance...if you have an OB doctor, or any type of specialist...your family doctor choses who you see.Answer 4
Do your employers not offer a health insurance benefit package? Many times this is the cheapest way to go, as they are getting a group discount...Answer 5
they give instant quotes through many providers in your area.