How do I find the best "private paid" health ins. - live in AL - but travel 90% of the year?

Question

Does anyone have views or experience with United Health Ins/ Assurance???? Is Blue Cross Blue Shield worth considering as far as "private pay" policies are concerned???

Answer 1

You definitely need a PPO plan that has great out of area coverage like Blue Cross, Assurant, United Healthcare.

If you mean Assurant, they are a great company and in some states the lifetime benefit is 25 million most other carriers max at 5 million. You should look at their high deductible plans that are HSA compatible. It can save you tons of money. Assurant is the only one that offers a accident and critical illness rider that pays an indemnity benefit big enough to cover your deductible. I highly recommend it.

Answer 2

Check out Goldenrule.com.  I work in the auto industry and our health insurance sucks, so I did some research and found Golden rule to be more aggressive price wise over Blue Cross Blue Shield.  Good luck!

Answer 3

Go see a local broker in your area to shop for the best plan for you, don't buy on the Internet. BCBS and United both have a good plan for a fair price; however, it is not cheap it is Private health insurance and you will have to qualify.