I've been talking to insurance providers and I'm so confused. At first, before I realized that I was going to be getting calls from so many providers, I was providing the information in a yahoo question, but it seems that is not going to be a practical way to go about it. What I do need is some guidance. It's hard to know if and how to get an unbiased opinion... some say I should not have enrollment fees... there's been mention of "savings plans" some say they are both a savings plan and medical insurance, some say a PPO Savings Plan... How do I determine that I'm getting what I should? Is there a list of stuff I should be making sure I have covered, how much should be covered, a way to learn the legitamacy of the company once i've narrowed it down to their services, or someplace I could call for help with this? Please HELP!!!! Thanks.
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It is still really confusing... I've contacted BLBSIL and they are a PPO, don't cover vision or dental - braces or laser surgery, and their prices were around $400.00. But the online ones were ALSO PPO's with an added discount/savings plan, that DID cover braces and laser surgery. So, I'm not sure what's wrong with them. My concern would be if $300/day for hospitalization, $1000/day for ICU, $2000 for any surgical procedure, which would include the laser surgery is enough. I also like the idea with another plan that no waiting period for orthodontic and it's covered 70% and vision laser is 20% covered. So, one can see my confusion... I get warnings to stay away from the internet, but it seems their plans cover more for less, includes dental and vision.... What's a girl to do to decide one over the other?