Health Insurance... Is this a good one since NASE isn't?

Question

I recenlty asked a question regarding our health insurance and was adviced against who were currently using... which I had already figured it wasn't a good one, and appreciated the confirmation.

I spoke with a rep over the phone, seems so easy and fast, and he represented different places, I think it was ehealthinsurance.com and filled out their survey. A rep called me and he recommended the following. Is this one a good one?

$299.00 per month (one time enrollment fee of $120.00) Rate guarentteed for 3 years. Month to month plan - no long-term contract.

US LIFE and AETNA

$35.00 doctor visit

Perscription $10 copay for generic and $50 for name brand

No deductable for prescriptions

Lab and diagnostic imaging... 80% covered, no deductable.

Requires a health check and physical paid for 100%

Hospital and ER $100 deductable, cover up to $3 million

Dental, vision and chiropractic care with AETNA... Covers orthodentic at 70% - no waiting period. (specific drs for

Answer 1

Yes, you definitely do not want to choose a NASE plan (they are associated with MEGA life who has a long history of high consumer complaints).

Choose a comprehensive major medical plan from a well known company like Aetna, United Healthcare, Blue Cross, Humana, etc.

Here is some more information on choosing the best health insurance company:

Answer 2

The one time enrollment fee is a red flag. Legitimate health insurance companies do not charge $120 for an enrollment fee in any state which I'm aware. Some will charge an application fee of up to $20 in my state. I don't know about US Life but most companies don't require a health check and physical except in cases where you haven't had recent previous insurance and are over a certain age, or have medical conditions which have no recent medical records.

The dental with Aetna sounds like the Aetna Dental Access fee for service discount which is a decent plan but are not insurance. The premium with these plans are annual.