A good health insurance plan?!
Question:
A good health insurance plan?
I'm looking for a health insurance plan that would cover doctor visits, and possibly dental appointments. I am a 22 year old college student in school, but the school insurance doesn't cover things I need covered.
Answers:
You're best bet would be to visit a local independent agent. This person knows the plans in your area and can find the best plan for your situation. They don't charge you for the service and will be there to help with any questions. Don't try to do this on the internet unless you have 3 or 4 days to compare the hundreds of plans available.
Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. One state couldn’t find any doctors in that state that took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card. See this link http://www.insurancejournal.com/news/wes... for more information. Many other states are starting to ban these cards.
Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.
Dental is seldom included with the health plans. If it is it is usually not very good. I'm an insurance agent and I wouldn't waste my money on dental insurance. Instead, I've got the Aetna Dental Access fee for service discount plan. They're nation wide and you can get information here: http://www.dpbrokers.com/default.aspx?lo... You can also look at other plans to find the best one. I like them because there is no maximum, no deductible and no waiting period, plus there is a fee schedule so you know how much a procedure would be before going to the dentist. Before signing up with any plan be sure to find a dentist first that's taking new patients and is still taking the plan.