General Question

Steve_A's avatar

People who have health insurance, can you recommend one to me please?

Asked by Steve_A (5125points) May 4th, 2010

I need to get health insurance but never had it before, people who have experience with it can you tell me some good companies or what I should look out for?

Thank you.

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9 Answers

jazmina88's avatar

HMO limit the drs you can choose. Get RX coverage. Deductible is how much you pay out of pocket before insurance kicks in.

WestRiverrat's avatar

It varies from state to state. Call your doctor’s office and ask for a list of what they accept or recommend.

Then go down the list to find the one that fits you best.

WestRiverrat's avatar

I should add, if you don’t currently have a doctor, find a nearby clinic and ask them.

Vincentt's avatar

AnderZorg is OK, I think. I’m going to declare some costs next week and see if they make any trouble out of it…

Oh, US health insurers…

njnyjobs's avatar

Getting health insurance on your own is a very expensive proposition. Try getting it through a group such as a cooperative, a local business organization, a professional association or some other affiliations. Colleges and universities also make available health insurance coverege to their students.

You need to provide more information about yourself in order to get an appropriate response.

deni's avatar

Get a job at UPS. They have the best health insurance ever. Totally worth it. lol.

Seaofclouds's avatar

I’ve had Blue Cross Blue Shield of Delaware in the past. I got it through an employer. We had decent rates and good coverage. There are a few different options in the types of coverage you can get, so definitely read through each and see which one has the best fit for you.

We have TriCare right now (through the military). It actually has really good coverage, but sometimes you feel like you have to walk through fire to get them.

PandoraBoxx's avatar

Does your employer offer group health insurance as a benefit? That would be your first choice. Or, depending on what state you’re in, look at the individual plans for United, Blue Cross, Humana, and Cigna. They let you input information on the web site, and will give you back a rate.

Ron_C's avatar

Most people can’t afford a choice. You get what your employer is willing to pay.

When I had my own business in the 80’s I was in on the Chamber of Commerce’ insurance plan. It was 600/month for the family. I dread to think what it costs now. The main reason is because not everyone buys insurance so the pool is make up of people likely to be sick like families with children and older adults.

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