health plan comparisons?
813684
I'm not sure what you're looking for ... If you mean comparisons of your company's plans, there won't be any.\n\nTry to remember that your employer, NOT the insurance carrier, determines what each plan will offer.  In almost every case, insurance companies are ASO (administrative services only) now.  This means that your company holds an account that all claims are paid from.  All the insurance company does is administer the plan your company specifies and then they pay claims out of your company's account.\n\nThus, your company's benefits will likely be different from every other company out there.  I'm sorry if this is disappointing news.  The best suggestion I can give you is to read through all your options and decide what's best for your level of health.
494900
Traditional Indemnity insurance usually covers any doctor with deductibles and coinsurance (like 20%).\n\nPPOs usually pay more, either no deductible or less coinsurance, BUT you have to use a doctor that is in the plan.\n\nHMOs usually cover 100%, or you have a small copayment, but you have to have one Primary Care Physician (PCP) that refers you for any specialty care.\n\nIf you are comparing plans, don't forget to look at the plan limitations and exclusions in addition to the costs of the plan and your share of the bills.  Some plans don't cover certain services (chiropractic, maternity, mental health, yearly exams, etc.) and others will.
306707
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.
939620
Ok..i compared them...now what?
276565
To my knowledge, there is NOT a cited comprison. One would have to go to each plan to determine FROM EACH what they offer.. copy out each and then individuially compare them. As you know... comparison depends on many many facets
322905
well since there is a new drug coverage,my husband also qualified for the financial subsidary.i guess it may differ,each state,and plan,but he only has to pay $2.oo for genericand $5.00 for name brand,no higher than $5.00.also he doesnt have to pay any deductables.i would check with medicare and see if you qualify for assistance.they can tell you more.good luck =)
1182423
There's some info on it here\nhttp://www.healthinsuranceofwashington.com/habout.htm
917904
Have you checked with any house painter organizations (if any exist)? Sometimes they can provide group health insurance. One word of caution, though. There is debate about the value of association health plans (those you might see with a professional organization). On one hand these plans are less expensive than individual coverage and people with pre-existing conditions are more likely to be accepted than if they tried to apply for insurance on their own. On the other hand, some critics say that association health plan benefits are so watered down that you are better off paying more for a private plan (if you can afford it).\n\nYou might also contact your state insurance department to see if you might be eligible for group health insurance as a “group of one.” Some states expand access to group health insurance to self-employed individuals with no employees. I’ve included links below to state insurance departments and to a listing of state health guides that should explain whether “groups of one” coverage exists in your state.\n\nIf you’d like to talk to local insurance agents and compare health plans online, try MostChoice.com. It’s a fast, no-obligation way to explore the local health insurance market; you might find that health insurance is more affordable than you think. If not, that will make you more confident in your pursuit of alternative options.\n\nYou can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
707438
It depends on what you mean by cheap. That is, cheap could mean low monthly payments. However, if it doesn’t provide the financial protection you need or the access to the kind of care you want, having the insurance really won’t justify the lower payments. The first step in finding affordable health insurance is finding out exactly what you want from a health plan.\n\nBasically, health plans differ in three basic ways:\n\n•monthly price/annual deductible\n•access to health care (the degree to which you can visit whom you like and undergo medical treatment a specialist thinks you need)\n•financial strength of the insurance company\n\nAlso, the price of a plan is not simply the premium you pay each month. You also have to consider the annual deductible, as well as any coinsurance amounts or copayments. Additionally, the savings you can achieve through an HMO, PPO, or other managed care plan can be erased if you have to go outside the network for expensive medical care. I’ve included links to two articles that do a good job of walking you through making the best possible choice in health insurance you can afford that still provides the coverage you need.\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\nYou might also want to check out Consumers Reports and US News&World Reports Rankings to get some opinions about high-quality health plans (link below). I’ve also linked to a couple of online articles that do a good job of explaining health insurance and what to look for in a new health plan. The last link in the Source section is to the California Department of Insurance page on Health Issues: it has some good information on the rate of customer complaints for insurance companies and has tools to help you find out which health plan might be right for you.\n\nTo get a lot of information quickly, try getting in touch with local insurance agents through MostChoice.com. There’s no cost or obligation, and you can also view instant free quotes on health plans available near you. All you have to do is have your questions ready and tell the agents how much you want to pay and what kind of coverage you expect to get in return.\n\nYou can find it here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
834491
I think you will find, that Google works wonders if you use it. Type in all of these and print them out. then compare. Good luck.
958013
Look into (Medicare) Capital Health Plan in FL. (capitalhealth.com) for the best coverage in FL. Also look into commercial plans...Harvard Pilgrim  Health Care, (harvardpilgrim.org) based in MA. They provide good HMO/POS healthcare. Consider mail order pharmacy with these or any other plan(s) that you might get for good Rx co-pays.
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.
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)
1132689
There are several good plans available in Florida.  Price is going to be a function of where you live and how old your daughter is.  Not all companies offer plans in all areas.\n\nThe best and most affordable health plan will be with Aetna, Blue Cross (BlueChoice), Humana, or United Healthcare (Golden Rule).  It depends where you live.  All are good companies ("A" rated by A.M. Best) with good coverage.\n\nPremiums are regulated by the Florida DOI (except UHC is regulated by the Illinois DOI and they do not regulate premiums).  Your best bet for a low premium is to look at deductibles of $1,000 to $2,500 with co-payments for Doctor visits and prescriptions.  These higher deductibles offer considerably lower premiums and can save you hundreds of dollars a year in premium.  \n\nIt is a question of managing your risk effectively.  Individual health insurance is medically underwritten.  This means that if you are not healthy and your are going to cost them money...you will be declined or the pre-existing conditions will be ridered (excluded) or rated up (price increase of 25-100%).\n\nOn the other hand, if  you are healthy you probably won't be using your health insurance for much more than preventative care.\n\nAetna, BCBS, and Humana all have good preventative care benefits that are NOT subject to the deductibles.  They also have co-pay options available or included in the product.\n\nI hope this helps.
863275
That’s a tough question because I guess it really depends on how you define “best.” Two health plans I’ve been under were valuable to me for different reasons. Some people want a company that gives you access to whomever you wish to see; some people want a health plan that has the happiest customers; other people want the least expensive; others just want a health insurance company that pays on time. The best way is to ask the people close to you how they like their health plan.\n\nWhat 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; what are the steps to getting referred to a specialist or for a medical procedure?)\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\nI’d check out Consumer Reports (link below), US News & World Reports Best Health Plans, and whatever other informational resources you can find. I’d also talk with locally licensed health insurance agents. I’ve also included a couple of articles about choosing a health plan that might be useful. They are government-authored, but they’re actually pretty good (all links below). \n\nAfter you decide what kind of plan you’re interested in, check out MostChoice.com. You can quickly compare plans and speak to state-licensed health insurance agents with no obligation.\n\nYou can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
119378
monster.com\nthey have a dedicated health care section
1047213
Anything BLUE!! the Blues association is nation wide, and the plans are really good. You will know that with your Blue plan, you will get reliable service and claims will always get paid. Each state has its own Blue plan (like Blue Cross or Blue Shield or both combined) If you are young and healthy, go with a higher deductable PPO, they are cheaper.