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lamonie22 | As far as health insurance is it best to get the highest or lowest deductible.? |
I trying to apply for health insurance but i can't find anybody that covers everything as far as dental and life insurance for a reasonable price.I also want to know if it's best to get the highes deuctible or the lowest ar far as health insurance.And does anybody know any good providers?
Additional Details
I'm in the richmond,virginia 23220 area code. |
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doreen k
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Apply for health care insurance separately from dental insurance to get the best deal. There is no such thing as a combination health insurance/life insurance to my knowledge.
If you are young and healthy, choose the high deductible plan because your premiums will be much less. Meanwhile, it's very important that you take the savings from the lower premiums and set these aside in a savings account just in case you need to pay the deductible.
Check into a Health Savings Account (HSA). This is a tax-advantated savings account that you can use to pay the deductible. You must have a tax-qualified high deductible health care plan in order to have the HSA. Your contributions to the Health Savings Account give you a tax deduction, and your earnings are tax-free.
You can also use the HSA to cover dental expenses, whether you eventually get dental insurance or not. If you are young and healthy and you take good care of your teeth, you may be better off just using the HSA to pay for your dental.
However, one benefit of having dental insurance is that the insurance company negotiates a lower price with the dentist, and that will save you money.
Regarding life insurance, apply with a highly rated company (you want them to be around for awhile) such as Metropolitan or New York Life. Choose "term" insurance for the lowest rates. The agent may try to convince you to choose whole life or universal life, which is just life insurance combined with an investment. If you have extra money to invest, keep that separate from your life insurance, and just choose term life insurance. Go for the longest term you can get - if you're young, that should be at least 20 or 30 years. Otherwise, you'll have to renew your term at a higher age, and your premiums will be rated to your age at that time. |
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car253
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A higher deductible will get your lower premiums but then you have to pay more out of pocket. Just get your dental and life insurance from different companies. You don't have to have them all in one place. One agent can write them all for you if that's easier. You don't say what state your in so I can not recommend any providers. |
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Don
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You will want to shop for 3 separate policies. Make that two - there is no such thing as good dental insurance.
When choosing a deductible everyones needs are different. For a healthy person I generally prefer a high deductible because the money saved, over a period of time, usually adds up to more than the difference between the deductibles. Some people choose a low deductible because they can afford it and they sleep better an night knowing they have good coverage and a low financial risk.
Don
http://mtnhealthinsurance.com |
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acermill
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Nothing is free. Always remember that the health insurer can and will design their plan offerings to insure that their chances of losing money are low.
It's a very complex situation. As an example, for dental you will end up paying in premium roughly what it costs for your annual dental care. HOWEVER, by taking coverage, you will most probably gain the benefits of negotiated service prices between the insurer and the provider.
Sad to say, in the United States, it's basically a crap shoot. You can only analyze your current medical requirements and then try to assess what MIGHT be the best plan for you.
Personally, we have excellent coverage, thanks to my spouse being a medical professional in a sizeable health care facility. We have quite low deductibles, but I was not comfortable with the potential of a very costly disease hitting one or the other of us (we are approaching sixty years of age). The lifetime maximum of coverage for each of us is $500,000.00
So we purchased a fairly inexpensive policy outside of the provided coverage which takes over at the maximum of our provided coverage, and protects us from the costs of a catastrophic illness. |
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Insurance Pickle.com
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(Thanks for including the state -- I can't stand it when they don't because the answers are different state to state) In Richmond Anthem can do all of the products for you if that's what you're looking for. And their dental is hard to beat when purchased with the health (which is the only way to get it). Also, if you're a 'she' then the policy also has top notch (FULL coverage, not prepayment for maternity which usually only adds about $70/month to the plan).
If you're a 'he' then Aetna or United might be better. I can help you if you want help. As a broker I represent all the carriers available to you and there is no charge for the service. The insurance company pays my company a fee for processing your application, but again this in no way affects what you pay. BUT, you'll also get much better service.
Either way if you want help I'm here, but feel free to use the tools available on my site to search through life, dental, and health policies. It'll quote them all.
http://insurancepickle.com/
Thanks,
Jeff
PS Sorry...forgot to answer your question. Look at the blog on my site as there's an entry entitled "What's the Total Monthly Cost...." There is no one answer there either. You just don't want to go to a $1,000 higher deductible and only save $100 in premium. If you can save $1000 to go $1000 higher then do it because if you don't get sick you won't pay the money out and if you do you're no worse off than the lower deductible (and therefore higher cost) plan. |
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Eka P
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hi,
i have found this site one. hope will be useful. check it out :
http://looking-insurance.blogspot.com |
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