 Colonial Penn (55 - 85 years old) life insurance? |
I have seen the TV comercials where $7.95 a month will buy life insurance with no health questions asked " waratied aceptance" does anyone know what the catch is?
Any feedback would be ... |
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 Home insurance for trailors? |
| i live in south carolina and reting the land where my trailor is going to be waht are the insurance company that will cover us and is less than or around 1000 dollars a ... |
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 What about THIS health insuror? |
| If you are a customer (or have been) of the Assurant Health Insurance Company, what was your experience with them? They appear to be very good at what they do. I am in the market for a health policy.... |
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| What would be a ball park figure in a civil claim where the defendant has admitted fault and there is permanent, irrreversible physical damage to the victim that prohibits him from using his body to ... |
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| im 24 and trying to buy insurance online can anyone recomed how i can do this and pay ... |
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| i am looking for a polocy which has high returns.please suggest me one good policy.... |
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| A thousand dollars worth of my husband's tools were stolen out of his company van, while on company time. His company said they aren't obligated to replace nor reimburse him for those tools.... |
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| buying an exsisting insurance ... |
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 Health Insurance for Small Business Owner? |
| Wanting to know how to find out two things: 1) the best health insurance coverage and 2) for the best and most affordable price. My husband is the sole proprietor of a small business he runs. He'... |
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 Beginning the search for health insurance, what to look for? |
My employer does not provide health insurance and I have to buy my own. What am I looking for? It's just my wife and I, no kids, no plans to have any.
What health insurance provider ... |
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 Insurance marketing ideas? Contests? Promotions? |
| I'm new to a major insurance company's marketing dept and was looking for new and creative ideas on incentives, promotions, contests, etc. to help drive and motivate our agents to increase ... |
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 New York Life Insurance question..? |
| My grandma purchased new york life insurance whenever I was young - once i turned 16 years old I took over and paid the amount. I am now 20 years old and the insurance policy agreement was only for 2... |
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 Help understanding medical insurance, please help? |
I just purchased this medical insurance a few minutes ago,
"Breakthru 80 Plan, $500 Deductible" with Regence Blueshield. I am a little concerned on what is going to happen. I see a A... |
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| Will my insurance cover this?!? |
| i was wondering, health insurance covers a lot of things, such as it will pay for half of your gym membership if you go a certain amount of times. i want to sign a martial arts center, could this be ... |
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MR | Medical Insurance? |
I'm planning to buy health insurance for my family( no serious health issues) , any suggestions which company can give me best deal? |
 |
 
Insurance Made Easy.biz
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Since you are a healthy family I would consider an high deductible plan with a Health Savings Account (HSA). You will save quite a bit on premiums and the HSA allows you to set tax free money aside to pay your deductible and other qualified medical expenses. (it's similar to an IRA)
With all the different health carriers and plans available most people really should use a health insurance broker. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state.
For example a typical broker can have access to 10 major carriers and 60 different plans just for one state.
You can try doing your own research on the Internet, but if you give a good broker 5 minuets they will be able to make suggestions on which carrier may fit you best. You can ask them why they choose the company they are recommending.
I suggest using yellowpages.com to search for health insurance brokers in your area.
Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance.
If you want to learn more about HSA's I would check out http://www.hsainsider.com/
Assurant health has the strongest HSA plan I have seen, lifetime max 25 million and an optional accident/critical illness rider that can cover your deductible |
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zippythejessi
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Nobody here can provide a complete answer for you. Your best bet is to go to a local agent (someone you already do business with is even better), tell them what you need in an insurance plan and let them shop deals for you. What works for me may not work for you - do you know what I'm saying? For instance, a young, single person - a plan with a higher deductible makes sense because it's lower premiums and if you don't use the insurance, you don't pay for the deductible. That won't work for someone with small children. Similarly, someone who travels a lot won't benefit from a plan that offers no out of area or out of network coverage. The agent can help you figure this all out and find you the best deal for you. |
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nurse ratchet
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That depends on where you are located. I am in Oklahoma, and Coventry has the best coverage at the best price. Blue Cross usually has a decent plan in most states, too.
Find an independent agent in your area that knows the market and can help you. |
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Kir S
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Shop around to the major companies. It'll really depend on where you live, and what kind of coverage you're looking for. I have to say, though, be really careful. Don't go with any companies that say they offer a "discount program." They appear to be insurance, but they really just negotiate discounts with certain providers. I went with one of those, and am still trying 2 years later to still get my money back from an ER visit that I had. Stick to the big names like Blue Cross, United Health Care, Aetna, etc. The premiums may be a bit more, but the coverage is generally much better, and overall you end up spending less money. |
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mbrcatz
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No. Not all companies write in all states, and no one here knows which company has the best deal in your area.
SO, you have to go to a local agent, to get that information. |
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