My company offers it but its like $200/month and i cant afford that! Im a female, non smoker, and in good health. I just need basic health insurance that has dental and eye. What are some good options out there?
133357
Hello, if you live in California, Blue Cross has a plan called "Tonik". It covers medical, emergency visits, doctor visits, dental and vision. Rates are lower than most health plans because they only advertise this plan on the internet. You may want to check it out. Good luck.\n\nhttp://lamontinsurance.com/tonik/tonik.health.html\n\nhttp://lamontinsurance.com/tonik/tonik.chart.html
34996
You need to find a good agent to recommend the best carrier but in order of least expensive to most expensive\n\nHMO, POS, Direct Access, PPO\nYou may be able to get by with the HMO with a hospital copay rider and prescription card. It wont be the absolute cheapest but good coverage with low risk exposure. I'm not sure where you are from so its hard to say what company is best in your area.
538441
The Basic and Essential plan is alot cheaper then the Blue Cross HMO plan. The basic plan is just that. Very basic! $30 copay for doctors $500 copay for hospital inpatient. Alot of the major services are covered by either a high copay or a 70/30 coinsurance. The plan info. sheets on the site are pretty good. Most agents dont know much about the ind. plans because they are more hassel then they are worth commission wise. You may want to go on your mom's plan as an overage dependant. You may keep this coverage until your 30th birthday. Your premium would be about 60% of the single rate that your mom pays. Its a good deal and you will get better coverage then the individual plan can provide.
232008
I know, this is not something they cover in school (they should!).  The three month period is to prevent you from taking the job and the insurance with an unknown pre-existing condition.  They'll give you options (how many depends on your employer) of high-copay (what you pay up front at the doctor's office), low-deductable (what you pay every year before the insurance starts to kick in) or low-copay, high-deductable.  The premium is a separate, monthly fee you pay (usually taken out of your paycheck before you get it) for the privalege of having insurance.  The amount varies depending on the deductable and copay you want (if you have a low copay or deductable, the premium goes up because the insurance company assumes you anticipate going to the doctor more).  Some employers pay some or all of your premium, so ask how much they'll cover before you choose a plan.  Eye and Dental are usually additional options that you pay extra out of your paycheck each month.  According to your details, you probably want a low premium, high-copay, high-deductable plan with the optional eye plan.
128383
Try Standard and Poor's.  Call the health insurance company you are interested in and ask them to send you a Fact Sheet on their company.
392442
This is an excellent question! \n\n In America people are purchasing "Short Term" Policies are opening themselves up to a "world of problems".   You see in the United States we passed a law that enables employees be offered "Cobra" , Cobra is for your "protection".  Let me give you a couple of "What ifs"\na. I go work for ABC Corp. and call up a few "slick" agents who sell healthcare and they sell me a Short Term policy, sounds great!..11months into the policy the Doctor discovers a tumor in my body, and says it is Malignant- I have cancer.  So I call my short term company, and they say well your policy ends in 30days, I ask the company can I convert to a Permanente policy, and they say "NO", because of your medical conditions.\nb. Second Ex. I sign up with my employers plan, and I am diagnosed 11months into the plan with Cancer, and I decide to quite employment, I am offered Cobra!. So lets keep going, lets say I pay for Cobra for 18months (until it ends) and I am still having Chemotherapy, and thus un-insurable by health companies.  Here is the Good news!!!..I am eligible for HIPPA coverage !!!.."lifesaver"..any company offering health insurance will have to accept me into a HIPPA plan.  \n\nAs you can see the only way a person can take a risk with a short term policy if they can "See the future".. and if your crystal ball shows you not needing any health services over your lifetime, then just refuse coverage!..\n\nDo not trust any salesperson, read articles and do your research, Paul Zane's books are pretty good.
530993
try http://everyonebenefits.com/40436527 it's $49.95 per month for an individual. It covers all specialists, prescriptions, labs, x-rays, hospital stays, etc. Pre-existing conditions covered. No deductible, no claim forms, and no waiting period to use your benefits. Contact me with any questions you may have.
373250
ask in your local dentist as they usually recieve the monthly magazine, they might be able to save it for you. You could contact the BDA website and see what links they have got that could be useful
528695
Delta and almost all insurance companies have millions and millions of different plans.  Just because one Delta covers ortho does not mean your will.  The best thing to do is look on your insurance card to find the phone number.   Call them and ask the following questions:\n1.  Do you cover braces for adults?\n2.  If yes - at what percentage?\n3.  What is the deductible?\n4. Is there a maximum amount you will pay?\n5. DO you pay monthly or quarterly, or lump sum?\n6. Does the dental office need to file claims at every appointment, or only the first appointment?\n7.  Will i get a discount if i go to a dentist on your list of providers?\n\nThat will help you know how much they are Really going to pay.  Just because they say they cover braces doesn't mean they will pay 100%.  Be careful.  Also ask them if they will cover the Pre-ortho x-rays and impressions, and the retains after the ortho.
207106
You may want to try a local university or college in your area.  Many times they have dental students who do a lot of work and it is generaly a good thing because the instructors are on hand as well.  Sometimes you can get quality care.\nGood Luck Health Care Does Break Your Bank
532609
You have severely underestimated the cost to the dentist.  I am an orthodontist, and I certainly do not pocket 80-90% of my fee, as you have suggested (boy, that would be nice though.)\n\nThe words GOOD and CHEAP can go together for clothing sales, not healthcare.  You generally get what you pay for when it comes to things like this.  If it is less expensive, then the person providing the care probably is not as good as the guy down the block.  In your area, I would anticipate spening between 3900-5000+ to fix you child. Payment plans help with your budget. Sorry this is not the answer you are looking for, but it is probably what will get your child a good result.
352670
I understand your problem. My husband was put in the hospital last year and had emergency surgery and I had past hips surgeys and they won't even give us insurance. I started researching some stuff and found a great site that offers health benefits. It's not insurance but you can save up to 80% on dental and medical benefits and you get free prescription, Free chiropractic and free vision. Best of all it's no more than $60.00 dollars a month for the entire household. That site below will offer and show you have to obtain benefits. \n\nGood luck and I am sorry we all have to deal with the goverment doing this to our families.
655056
The best place to start is by doing what you’re doing now – asking for personal recommendations. What kind of health insurance are you looking for? It might be a good idea to jot down a list of the different aspects of a health plan and then chart the differences between various plans you come across. Here’s an example:\n\n·Monthly price (premium)\n·Yearly deductible (amount you spend before the insurance company will start paying)\n·Copay amount (amount you pay per service)\n·Coinsurance amount (amount you split with the insurance company – usually a percentage; i.e., you pay 20 percent and the insurer pays 80 percent)\n·Freedom of choice (can you visit whatever doctor you want?)\n·Preventive medicine and routine doctor visits (does the plan include these?)\n·Mental health (included in the plan; copay amounts; maximum number of annual visits).\n\nHMOs (health maintenance organizations) are popular right now, and they usually include mental health coverage in their plans. A typical example is that you would pay a monthly fee and then a copay when you visit your therapist (usually around $50 for a plan with low monthly payments). One potential problem, though, is access to physicians. An HMO might not have the kind of mental health specialist you’re looking for. Before you enroll in an HMO, I would strongly urge you to look at their mental health specialist roster. For more choices, you might opt for a PPO (preferred provider organization) or a traditional fee-for-service plan.\n\nOne helpful Web site is needymeds.com (see link below). It is a catalogue of Web sites devoted to discounted drugs and medical programs.\n\nThe best way to find answers to your questions, though, is by talking with local insurance agents. Just tell them what you’re looking for and how much you want to pay, and then wait until one of them brings back a policy that’s right for you. You won’t spend any more on a plan from an agent than if you bought the same plan online. MostChoice.com is a Web site with state-licensed agents throughout the country. When you visit the site, you fill out a short information request form. You’ll get free quotes and policy information on health plans near you, and within two days agents should contact you. There’s no cost and you’re not expected to buy a policy from the agents. Also, MostChoice will use your personal information only to help you find the health plan you’re looking for.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nGood luck. I hope this helps,\n\nBarnes @ MostChoice.
258714
May I suggest to you Ameri Plan's discount benefits program. They do not have any restrictions on ongoing conditions and you can start saving immediately. There is a hospital advocacy program that assigns you a personal advocate to negotiate with doctors on your medical bills.\n\nThe plan also includes savings on dental, vision, prescription and chiropractic care. I'd check them out. I'm so proud to be with them. I know I shouldn't advertise, but your need sounds great. Let me know if you have any questions. wlakin@ameriplan.net\n\nhttp://www.mybenefitsplus.com/40378118\n\nPlans are month to month with no contract.\n\nWe are currently running a promotion for just the dental, vision, prescription and chiropractic plan where you can try it out for 3 months for $23 total. This is a great service. You should check it out!
372133
a few questions for you one do you pay for your policy at work if you do then stop you do not want to pay for something now and then if you leave before you retire you are out of luck usually where that coverage would drop off so I would recommend instead just getting a term policy and using some of that money that you would have used for the premium at work and a little extra that you would already be paying \n2 how old are you I would get as long as a term that you can afford because the fact that you cannot guarantee how healthy you are going to be in 5 year let alone 30 years\n3rd I would tell you what I would do if I where you I would get a $100,000.00 UL policy plain and simple that rate would stay the same for the rest of your life, and then if I needed more then the $100,000.00 I would then get a term policy for the remainder in a term policy for the maximum amount of time that one the insurance company offers you and secondly that you can afford if you have questions and want to hear some rates IM me at rahnside and I can pull them up for you I or another Life Agent is Licensed in every state of the US and have over 20 AM Best A- or better companies \n   A Life Specialist \n            Rahn A. Sidebotham II
501126
You heard right, You have to make a certain amount of money to\nquailfy for it. I was declined by them for that.\nIf you make to much and you get declined I know a website where\nyou can get medical,dental vision all for less than $60.00 a month\ncheck out this website if you are interested\n\nwww.needdentalbenefits.com
617593
Look on the internet. there is good dental insurance out there...Good luck.