What qualities should I look for in a health insurance company?

Question

im new at this

Answer 1

Blue Cross Blue Shield, Humana, or Cigna are all very good.

Answer 2

Questions often asked are -

Do the doctors I see now belong to the network of the insurance company?

How many hospitals are in the insurance companies' network?

Do I want to go with a PPO or an HMO?

What level of coverage do I want? Low deductibles? Low copays? Optional coverages desired? These decisions will determine the monthly premium.

Is an HSA plan right for me?

When purchasing health insurance you want a trusted adviser to work with you and show you proposals that take into account your health status and your budget. Call the agent that writes your home and auto.

Use the Internet to research but buy from an agent.

Answer 3

I would not call your auto home agent they specialise in property and causality insurance. Health insurance requires a separate license and usually P&C agents are far from experts in both fields. I would reccommend search yellowbook.com for health insurance broker and you can find an agent that specializes in health insurance and they can walk you through all the options available. It is important to get a broker since they represent more than one company they can help you compare plans in your state.