What to know and how to buy health insurance.?  

What to know and how to buy health insurance.?  
answers 0:Ok, so im 24 year old male lookin to buy health insurance. Where the problems start is when they start using strange jargon. Words such as PPO, deductable,etc. I know PPO is the best insurance. What basics should I know when buying health insurance. Also where to buy, how to buy, plan types, what to know when buying health insurence. Any helpful links or information would be helpful.I am looking at companies such as Blue Cross Blue Shield, Aetna and some others. I am in school and work part time so I just need the basics....Show more
answers 1:First PPO may not be 'the best.' If it were then they wouldn't offer other types of coverages. You need to find a health insurance broker (a person) that can help you. It's time to start developing a relationship with someone that you can turn to for financial/insurance information. Brokers can also help you at claim time and with billing issues - not something you'd get from a big firm AND the price is the same, so go boutique.
answers 2:check your parents policy you can remain on it until age 29 at no additional cost to them. Check to see what is available at school. otherwise depending on what state you are in you could pay $60-$1000 per month. Depending on the plan selected. Jargon HMO EPO in network only these providers have signed an agreement with the carrier to accept the payment offered based on a schedule of services provided. PPO POS I( out of network) f you select a provider who does not accept your carrieryou can use them However, you will be subject to an additional payment $1000=$2500 plus there is a dollar maximum on there services. So if the iron in your blood turns to lead and settles in your ***and the only Dr who can treat it Lives in the American Virgin Islands you can go to that DR...
answers 3:Forget any links that someone might post, since if you don't understand the strange jargon, then how do you know what you are buying? All the big companies like BCBS, Aetna have plans they sell that are worthless; ie; limited benefit plans (these are not health insurance)Many are pushing these and particularly to people like you who do not understand these policies, but may buy one based on price, but not on what they cover or not cover. You have only 1 choice and to talk to an agent that sells health insurance period. Make sure they can offer you choices in several companies, not just one, since there are a lot out there selling these crappy plans. I found out when I got my own individual policy and got all kinds of quotes, phone calls and since I have an insurance background realized they were selling these awful policies and went with a good insurance agent for a major comprehensive policy.An agent can discuss your current health status, treatment etc to suggest your best options. If there could be a problem, they will know and discuss with you. But please;;;;;;;;;;do not use websites, since if you don't understand, then when you get a policy and think something is covered and find out it isn't, then you will be back on Y/A and asking why they did not pay for something. Also with an agent, you can call them and ask questions if it is covered or not, since that is their job, to advise you. good luck...
answers 4:You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Understanding what you are buying is as important as the price. An agent can give you the knowledge you need so that you can decide what the right balance is between affordability and policy benefits. If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low co-pays and optional vision and dental benefits your monthly premiums will be significant.On the other hand because you are young, presumably healthy and probably don't often use the health care system you might consider a plan that covers only the major health catastrophe. In this type of plan the insurance company does not pay benefits until you first reach a significant out of pocket cost (this is a deductible). If that is too scary consider a plan with a higher in-hospital deductible, higher co-pays for doctor's office visits and perhaps not cover prescription drugs. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead.Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health status. They can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network. (Networks in PPO and HMO plans are very important considerations).Some are going to suggest you go to their web site so that they earn a few pennies on a "click through". Some may suggest going on line to get a quote but as you already know there is much more to health insurance than price. Use the Internet to educate yourself but use an agent to purchase the coverage....
answers 5:Sir, u must visit the site below which is surely going to provide u ample amount of info http://in.answers.yahoo.com/question/index?qid=201...
answers 6:I just bought my own too. I'm 23 and out of college. First I went to http://www.healthinsurance.com/hi/ to get quotes and price ranges. Then, after comparing a few, I called the company I liked directly and handled it through them instead of going through the website. I still had to fill out my name and email and stuff to get quotes, but it was worth it to compare. There are a lot of websites that do that if you don't like the one I gave you. Just google it.The deductible is how much you will pay if you go into the hospital. Most were $5,000 or $2,500. If you need surgery, the deductible comes out of your pocket before the insurance pays the rest. The deductible amount is for one year, and everything you pay out of pocket goes towards reaching the deductible. For example, you have an ER visit that was $100, you now will only pay $4,900 at the most until the end of the year when it starts over.The thing I looked at the most was how much it cost to go to my family doctor. Some are $15 per visit, some are $35, some are $50.Most plans for me were around $100 per month, which I didn't think was too bad. The prices you see on the quote website are not exactly accurate. Those are if you were in perfect health. If you smoke, take medication of any kind, have a disease, anything like that, the price goes up. The site quoted me about $75, but little things made it go up. For example, I take an antibiotic for acne, and that raised the price. (which sucks!!!) You have to be completely honest about all of it though, because if they see in medical records that you lied or left something out, they can revoke the contract and not pay. And we both know they would let you keep paying every month and not revoke it until you needed them to pay for something and then you'd be screwed.Good luck. It's not as hard to get or as expensive as everyone makes it out to be....
answers 7:I suggest you to try this web site where onel can get rates from different companies: http://INSUREQUOTE.US/index.html?src=5YAxnu68umH27...RE :What to know and how to buy health insurance.?Ok, so im 24 year old male lookin to buy health insurance. Where the problems start is when they start using strange jargon. Words such as PPO, deductable,etc. I know PPO is the best insurance. What basics should I know when buying health insurance. Also where to buy, how to buy, plan types, what to know when buying health insurence. Any helpful links or information would be helpful.I am looking at companies such as Blue Cross Blue Shield, Aetna and some others. I am in school and work part time so I just need the basics.Follow 9 answers...
answers 8:If you are in Singapore you might want to look into first getting a MediShield Plan Its very affordable, and uses your Medisave to pay for it.Else getting a private insurance, you want to look into your hospital coverage especially the option to stay in a private hospital vs a govt hospital.Talk to an adviser, in Singapore, you can find one here http://search.advisoryinc.com/
answers 9:You can check here for all the insuance insurance definition: http://www.healthi.com/index.php/live-healthy/lear... If you want to buy insurance, you will have to learn all that jargon. You can also get a quote on that site.Hope this helps! Good luck!