which is better insurance to get, Kaiser or Blue Cross?
362460
Go with Kaiser, their prescriptions are cheap as well as the co-pay. Blue Cross does not cover a lot of the drugs. I have Blue Cross and let me tell you I have to pay $30 for a co-pay and a lot of money for prescription drugs and I had to reach $1,000 before I could get a deduction. I would go with Kaiser. And I was contented with Kaiser a lot. U can contact me if you want Klm4k8@umkc.edu. Take care and good luck.:O)
673320
There is no such animal. However there are companies that are "cheaper" The thing you need to remember is cheaper in NOT nessisarily better. My advice to you is go to your local blue cross blushield agent and see what kind of deal they can work you.
986184
First off, ask yourself what needs do you have?  Lets take each case, first your father is over 65, and he may or may not qualify to Parts a & b & d of medicare, check into this first.  Then depending where your father lives, (presuming he has Medicare) he can purchase a Medicare Supplement plan, or the more popular HMO Medicare plans.  I would suggest you contact medicare to find out if your father qualifies for medicare, and also ask what is available in your state for his options.  I could go on for hours about the differences on HMO and Supplemental plans- if you have more questions contact me.  Next, mom is 64, so when she turns 65 she will also be eligible for Medicare "again check with medicare" so her needs will be different than yours- it will depend on her health needs, what dr. she sees as far as the policy type I would recommend.  Last you and your wife, both of you are in the Child bearing years- so if you are thinking of having children in the future please make sure the policy you pick will cover maternity, many new plans do not cover maternity.  When looking for a Health Insurance plan, lots to consider:\na. Is your a Dr. a provider "PPO or HMO" this will dictate the type of plan to pick from.\nb. Do you want to prepay for services and pay a Copay for Services? (HMO, which are normally higher premiums, because a portion of your premiums is paid directly to the Dr. you pick)\nc. Would you willing to pay more out of pocket with copays, and co-insurance (normally a percentage of the negotiated rate varies between 10-40%) in order to select a wider number of physicians (PPO), most PPO have thousands of Drs to pick from.\nd. Premiums, Premiums, Premiums, set your monthly or yearly budget for healthcare costs.\ne. Gaining popularity in the health scene is "Health Strategies", normally this means HRA or HSA plans, or what I call a Self Funded type of plan, coupled with a High Deductible.  With this type of strategy the consumer "YOU" act like a health insurance company- you see health insurance companies re-insure, this means they take out policies with Lloyds of london and others to limit liability.  With this type of plan, you take on a high deductible and pay out toward this deductible during the year, put money aside "ex. HSA non taxable in most states" to save for your deductilble, health insurance co's call this "reserves" most have billions in reserves, so it is not hard to figure that the odds are on your side that you will "accumulate money".. remember the health insurance corps are not into it to loose money.  Smart consumers throughout America are switching to Consumer driven type plans, as HSA eligible plans.  I would suggest going to my website www.HSAInside.com or calling me direct for any questions.\n\nRudy Rivas, President\nwww.HSAInside.com
117033
Hi samanthaandpooh\nTry http://www.southernhealthplans.com/?OVRAW=blue%20cross%20blue%20shield%20of%20tn&OVKEY=blue%20cross%20blue%20shield%20of%20tn&OVMTC=standard. Good Luck: Blueladybug
671938
my office (small business with 14 employees) has a group plan through blue cross blue shield.  it was actually easy to set up.  i called a few of the big players and asked for agents/reps to come to my office.  they all set up appointments.  i got quotes from everyone.  compared plans and viola....  insurance.
1011010
The Hartford is a company, not a broker.  \n\nWho is the best depends on what you're looking for, where you are located, how big of an account (how much premium dollars) it is, and whether or not it's a specialty type of insurance you need. \n\nNot enough info for your answer, sorry!
951757
How about a HMO, like Blue Cross.
512630
There is a lower costing health insurance called KChip that is just for children. I don't know if it is just available in my state of Kentucky but you could type it in the search engine and they might have something similiar in FL for you.
61585
Aetna or Pacificare seem best
703767
Since you have medicare you can get what is referred to as Medagap Insurance. Make sure that you have signed up for part B through Medicare. Most insurance companies offer Medigap   sometimes called Medicare Supplement. You also need to evaluate if you should get the prescription coverage. Getting B coverage is a must the presciption coverage may not be but if you don't get it during the open enrollment period the rates go up if you get it latter.
919516
There are 50 different BC/BS plans, one in each state, so it totally depends on what state you are talking about.\nIn my state, its a pretty good plan with decent prices, but in other states it is really not that good.\nSo, it completely depends.\nIf you are moving away from an employer sponsored health plan where the employer subsidizes your premiums and you are headed into an individual plan, be prepared for a very large price increase.\n\nAnd it is a very very good idea to get both ST and LT disability policies, if you can afford them.  They are relatively inexpensive compared to what you have to lose in income if you become disabled.
1187632
I'm sorry to say this when ur 18 yrs of age u will be cut off of medicare. I have a solution for get a Star-Bucks job and within two-hundred hours of work u will receive coverage of medical any time anywhere ...........p.s. blue-cross and blue-shield's is very affordable.
1129366
I have Blue Cross Blue Shield Care First.  And I pay $40.
572290
Since insurance is regulated on a per state basis, I would check you Insurance Commissioners website.\n\nMedicare Supplemental plans are regulated at the federal level so the plans are pretty much the same. The main difference is really the premium that each insurance company can offer. Supplemental plans will pay for what Medicare does not pay for so you should really only need one and that's it. The supplemental insurance will pay for the deductibles and the 20% of all your dr visits that medicare does not cover.\n\nIf you go to the dr often, I would check out Plan F with Bankers Life & Casualty. If you're pretty healthy, look into Plan J which is cheaper and it covers an annual physical. If you're on one of these two plans, you really should just have one Medicare Supplement plan
1155701
I guess you're not from around here (USA)  You get medical insurance from your job or medical insurance companies such as Blue cross/ blue shield, State farm and etc. look under medical insurance in the yellow pages of any phone book where you live.
470048
I had to go shopping for health insurance recently and got a lot of quotes with all kinds of options. Private pay - like what your asking. If your not over 40, healthy, don't smoke or have any special needs, then our situations are similar and I can tell you what I was impressed with. Out of 8 bids from various national company's; The two best were Mutual of Omaha and American Family. MofO was very impressive with coverage, additional free benefits and low cost riders like glasses and dental. American family was the same with an added benefit of a high yield health savings account that can be used as a tax deduction. Both had low deductables with free well care or low co pay well care, and were well under 200 a month not including riders. Good luck.
491600
I used to have GEICO, love the service and on-line convenience.\n\nI now have Wawanesa.  Beat GEICO by 1/2, but they have awful service.\n\nInsurance depends on your zip code, age, driving record, credit, type of vehicle and other factors as well.  Each company has its competative nitch.  Sometimes you will have to sacrifice coverage for price.  It depends on what you want to cover and what you are comfortable with.\n\nWhatever you do, have your agent explain the coverages to you so that you understand what you have and don't have.  I see too many people who pay cheap and get cheap and it bites them in the butt later.