The best healt insurance,pls.???who,where,how?...?!
Question:
The best healt insurance,pls.???who,wher...
for 39 years old/healty w
Answers:
The plans available depend upon where you are located. The best policy for you may not be the best policy for your neighbor who is also 39 and healthy.
To find the best health insurance you'll want to visit a local independent agent. This person knows the market in your area and can find the best policy for your situation. Don't try to do this over the internet unless you have the time needed to compare 1000 plans.
Since you put this question under dental if you are looking for a dental plan here is some information.
If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam will cost you less without insurance.
However, if you need more you have three options with dental.
Insurance - Depending upon the policy: cost $30-$60 per month. $50 deductible, annual maximum of $750 - $1500, waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans.
Discount plans - Cost - $5-$10 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $829. With discount plans you pay around $746.
Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404.
I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo... specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.