Whats the best company to get individual health insurance? What organizations offer group health plan?
The best place to start is by doing what you’re doing now – asking for personal recommendations. What 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: ·Monthly price (premium) ·Yearly deductible (amount you spend before the insurance company will start paying) ·Copay amount (amount you pay per service) ·Coinsurance amount (amount you split with the insurance company – usually a percentage; i.e., you pay 20 percent and the insurer pays 80 percent) ·Freedom of choice (can you visit whatever doctor you want?) ·Preventive medicine and routine doctor visits (does the plan include these?) ·Mental health (included in the plan; copay amounts; maximum number of annual visits). I’d check out Consumer Reports (link below), America’s Health Plans (link below), US News & World Reports Best Health Plans, and whatever other informat
