I need Health insurance..?!
Question:
I need Health insurance..?
I recently started a new job and their health insurance plans are wayyyyyy too high. My plan for my wife and I would be at least $190.00/ check! I dont even make that much to be losing almost $200 a check. Now maybe I am being unrealistic because my last job paid for my insurance, but still, come on!
Does anyone know of any really good plans that I can get on? I really don't want to take too much more time without insurance in case something happens with my wife and I. Any webistes in the US or independent agencies would be very helpful
Answers:
You will not be able to get an insurance plan with the same benefits any cheaper on your own. However, you may not need all the benefits. With your group policy you are paying for the lower deductible and the maternity benefits as well as other benefits which may not be needed. Do you actually need the lower deductible and the maternity?
Vist a local independent agent. This person knows the plans available in your area and can find a plan that fits your needs. You may not be able to find anything you want for less but then again you might. The independent agent doesn't charge you anything for the service.
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.