What health insurance company i should go with?

You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than Â½ after I did.

Go to: http://www.insureme.com/landing.aspx?Refby=616163&Type=health

Take care,
Casey

Theres some good information on health insurance, getting good deals and general info etc here http://geobay.com/c21307 hope it helps.

There is no "one company" that is best for everybody. Your best bet is to find a good independent agent that represents lots of companies and can find what is best for your needs. Ask your friends and family who they would suggest you contact. Good luck!

There are plenty of good companies. It depends on where you live.

Make sure it is a major medical plan with at least one or more million in coverage.

Never enroll if there is an application fee.

Blue Cross/ Blue Shield

It really depends on what your needs are. Each individual has different needs and affordability...Check out these websites for additional information

-- Carye
http://www.IBOPlus.com/40485726
http://www.EveryoneBenefits.com/40485726

There's really no way to answer that question without more information.

Some general guidelines:

You want to go with an insurance company that has a strong financial rating (check them out on AM Best at http://www.ambest.com)

Be certain you're dealing with an insurance company and not just a discount plan (if you want to be certain which, ask them for their AM Best ratings; only insurance companies will have one.)

Most plans are network-based and you want to be certain that you get a plan with a good local network. Even though most (not all) companies will pay if you go outside the network, your expenses could be significantly higher (usually double the in-network deductibles and out-of-pocket maximums, assuming that they will even agree to pay anything above the agreed-upon network charges. These are BIG issues; be sure you ask!)

It also depends on the details of your plan. Is it just for you? You and the kids? You and a spouse? The whole family? That could make a big difference from company to company, as some rate the adults and then just the number of childred, vs. others that charge the same rate for one child or 12. Some offer discounts for the second adult, others don't.

Also, it depends on whether anyone to be covered has any pre-existing conditions and what those conditions are. Some companies will offer to cover some of them, while others might decline it flat out, and still others might put a limitation rider on the policy for a specific condition. (These isues can make a HUGE difference in your out of pocket costs down the road.)

And in the end, it all comes down to geography. The BlueCross affiliates are always a good bet because they're the biggest game in town, so to speak. But there are other choices, depending on your location. In my end of Virginia, I typically recommend Anthem (BlueCross), HumanaOne, and Assurant Health. If you could list a location, someone might be able to suggest some good options for your area.

Depending on what state you are in, Nationwide Health Plans is the lowest cost insurance. Here in California anyways. If you want some help, Im a broker in CA. www.mcclerkinins.com The site will give you quotes from different carriers. But, like I said, NHP is the best. Next would be HealthNet or Aetna. It all depends on your location. Hope this helps.

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