Anybody know of a good health insurance? One that you pay on your own,,not group.?
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.
748749
IF YOU WANT TO PAY LESS GET HMO,  AND WAIT LONGER.\nIF YOU WANT BETTER SERVICE GET PPO,  AND WAIT MUCH LESS TIME TO SEE A DOCTOR.
1120751
myuhc.com\ni have that insurance...
92602
Depending on what state you are in, there may be a high risk pool administered by your state.  Contact your state's Department of Human Services or other organization.  A high risk pool is great for people who are going to have very high medical bills, but you will have to pay premiums which are likely going to be much higher than if you were healthy.\nYou might also shop around for "short-term" medical insurance.  Insurers are more willing to write people who may be sick under those short term policies because the insurers knows a date certain that they will no longer be responsible.
316389
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
218270
I would not say that they are the cheapest or the best.  You should always get a couple of quotes.  Also make sure you meet with someone that can review your situation and determine how much coverage is needed.  Here is a good directory: http://www.findlocalinsurance.com
882902
My boyfriend and i have looked into this very same problem. My boyfriend is an insulin dependant diabetic (type 1) It would cost a lot to get him insurance but if I just get insurance for myself, I can add him onto it. it would be about $200 more a month to add him on the plan. This was more or less off the record;)
1185310
You sound like you already know a bit about health insurance, but here’s a couple of general ideas, although it’s always best to talk with a qualified insurance agent who can help you get the right coverage. When you talk about $200-250, is that total costs for a month or for premiums and copays? It sounds like you might like a PPO over a HMO, although you might also be interested in a more traditional fee-for-service type of insurance. The PPOs will give you more freedom, but you’ll also have to fill out more paperwork. However, if you already have a doctor you like, you might want a PPO since your doctor might not be part of a HMO (PPOs usually don’t require you to have a primary care physician). \n\nLast year, Consumer Reports conducted a national reader survey of about 35,000 people and asked them about how they liked their health insurance and quality of health care (click here). Sixty-four percent said they were happy with their health plan. People were generally happier with HMOs than PPOs, but the Consumer Reports writers said that this was probably more a function of the lower prices. As a group, more PPO members felt they had adequate access to health care than HMO members. As I mentioned before, though, the rate of billing errors was three times higher among PPO members than HMO members.\n\nKaiser of course has a major presence in California, and Blue Cross Blue Shield is also a popular choice among Californians (they had by far the most PPO plans in the top 10 of the CR survey). You might want to write down all your concerns and then rank them in order of importance. It’s simple, I know, but I’ve always found it a useful way to make a tough choice.\n\nIf you’re still looking for answers, visit MostChoice.com. It’s a Web site that makes finding health insurance answers easy and makes shopping for health insurance quick and painless. You’ll be able to view online quotes from California health plans, and local area insurance agents will help you compare a range of competing health plans from companies like BCBS. There’s no cost or obligation to you, and your personal information is used only to match you with local health plans and insurance agents. You can find it here: http://www.mostchoice.com/health-insurance.cfm.\n\nBarnes@MostChoice.com
720285
Get in on an insurance plan. :)
1086248
I applied for Mega Life and Health Insurance. For starters it was expensive. I expected to pay about $300 a month. It took 3 months to get my policy. The monthly payments were to be automatic drafts from my checking account but they would not take a debit card. They wanted a credit card. I don't do credit cards. The payment went up $30. because my doctor said I had high blood pressure. I just took my blood pressure - 110/75. I don't have high blood pressure and told the dr. he caused my insurance to go up. So I cancelled them. Plus my doctor was not on their list. You have to call them everytime you got to a doctor to get their OK. Too much hassel.
777704
Well the best one is to have one before your diagnosed because alot of them don't cover pre-existing conditions for a year prior to the new policy.  You'd want one with good medical testing coverage, hospital stays, drug coverage, dr visits, alt med if possible.  Many of the Blue Cross higher up plans have that, they have some co-pays but cover the big stuff.  Independent Health which is NY based company has good coverage too.
291961
If you need an individual or family policy, you have a bunch of choices depending on where you live. Most PPO plans are going to part of large networks with a wide choice of doctors. You can do a check on ehealthinsurance.com, put in some info and see plans and pricing for your coverage needs. But just since I hate them, avoid Aetna.
88661
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.
801875
Did you get the plan from work? Well then ask this your HR manager. If you are buying on your own, I'd rather suggest\na plan with no elimination or waiting periods, like eHealthPlus.
213101
They don't offer it because it's so expensive. Call around and get prices. Start with Blue Cross and Blue Shield. Do you have auto or homeowner's insurance? If so, call them, maybe you can get a discount.
715456
Visit your state insurance department's Web site. You'll probably find a list of companies selling individual coverage in your state, including those that aren't handled by brokers. For example, many BlueCross/BlueShield plans -- often one of the few choices available in highly restrictive states -- prefer to deal directly with customers, or offer such low commissions that they aren't worth a broker's time. \n\nThe insurance department may provide shopping tips for your state, as well as insurance-company complaint records. \n\nIt is a good idea to check with a qualified insurance agent before purchasing a health insurance policy.  Health policies can get very complex and can hidden coverages/non-coverages.  Start by getting a quote at: http://www.insureme.com/landing.aspx?Refby=614499&Type=health.  This web site will allow you to compare prices and find the best price and coverage.  It is free of charge and they even give you the option to speak to local agents if you have questions.  \n\nI hope that helps!  \nRon @ InsureMe
953916
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.