What is the best health insurance company for the self employed?
Posted by Dolores
loma asked:
Searching this topic in Google only gives tons of applications but no info. I just want to know roughly how much it would cost a year for me to get my own health insurance. Are there big names to look for? I do not want a small insurance company.
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Searching this topic in Google only gives tons of applications but no info. I just want to know roughly how much it would cost a year for me to get my own health insurance. Are there big names to look for? I do not want a small insurance company.
Create a video blog…instantly.
October 19th, 2009 at 12:47 pm
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Based on your question I would suggest that you need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health status. He or she can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network.
Ultimately, you are the one who determines what is the best insurance because you decide what right balance is between affordability and policy benefits.
If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage, low deductibles, low co-pays as well as vision and dental benefits your monthly premiums will be significant.
On the other hand if you are young, healthy and use the health care system sparingly you could consider a plan that covers only the major health catastrophe. If that is too scary consider a plan with a higher in hospital deductible, higher co-pays for doctor’s office visits and perhaps not cover prescription drugs.. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead.
Check out this site, if you want to find the cheapest health insurance just in one minute,
Here you can get free quotes from different health insurance companies in your area, its the best way to find an afforable health insurance with a reliable company.
Best Wishes,
October 20th, 2009 at 9:46 am
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You want to combine a large insurer for high deductible catastrophic insurance with Mysimplecard for everyday services. That way your coverage is comprehensive without breaking the bank
October 22nd, 2009 at 2:45 pm
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Apparently KATTY is employed by “MySimpleCard.com” or an insurer as it is her “standard answer”. Her answer of good luck is just how the giant insurers that deny coverage of pre-existing conditions view your situation as well as others that simply don’t have the $$ for private insurance coverage. With the government option, these insurers will be scrambling for your business to stay alive and may lay-off KATTY, to save money and boost their profits, thereby putting her in the same situation that we are. Her assumption that everybody makes enough $$ in their job to even have any savings to afford any kind of insurance is very elitist and absurd. She suggests that everyone read 1984 by George Orwell, which was mandatory in my education. What she doesn’t realize is that we are already there, with cameras on every street corner, the ability of the govt. to track cell phones, HDTV that can be shut down or used by the govt at their whim to disable dissemination of knowledge. She doesn’t recognize these things, but she denies you should have the same benefits of insurance coverage that Congress and the President has, at the taxpayers expenses, by invoking the premise of 1984 and possibly for fear of losing her job. KATTY, if you REALLY believe 1984 hasn’t arrived yet, I suggest that you go back and re-read it because you have definitely forgotten the premise of it and choose only now to invoke it instead of when the govt was taking away your freedoms many years ago. Wake up KATTY and realize that there are MILLIONS that may not be as fortunate as you… But for the sake of God, there go I.