I am getting out of the navy and have 3 family members, who should I call for that will not be worthless?

 

  • MostChoice.com 1:11 am on February 6, 2010

    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 informational resources you can find. I’d also talk with locally licensed health insurance agents. I’ve also included a couple of articles about choosing a health plan that might be useful. They are government-authored, but they’re actually pretty good (all links below).

    HMOs (health maintenance organizations) are popular right now, and they usually include mental health coverage in their plans. A typical example is that you would pay a monthly fee and then a copay when you visit your therapist (usually around $50 for a plan with low monthly payments). One potential problem, though, is access to physicians. An HMO might not have the kind of mental health specialist you’re looking for. Before you enroll in an HMO, I would strongly urge you to look at their mental health specialist roster. For more choices, you might opt for a PPO (preferred provider organization) or a traditional fee-for-service plan.

    As for organizations that have group health plans, try asking your state insurance department (link below). Some trade associations have group health plans and so do some church organizations

    You should try visiting MostChoice.com. It’s a Web site that helps you shop for health insurance. They have free instant price quotes and policy information on health plans near you, but their specialty is getting you in touch with state-licensed agents. There’s no cost or obligation to buy insurance. You just fill out a short form and wait for the agents to contact you (within 48 hours). Have your questions ready and let them work until one of them delivers the plan that’s right for you. You might want to have a set amount you want to spend each month on insurance and tell the agents to work within those parameters.

    You can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm

    Hope this helps,
    Barnes@MostChoice

  • silverblack12345 1:11 am on February 6, 2010

    Cigna is great. I have it through my employer (FedEx) and it’s great! You know that paying for health insurance straight out is extremely expensive.

  • gifted2006 1:11 am on February 6, 2010

    I would recommend the Blue Cross/Blue Shield Association (they’re in all states, I believe). They are hands down the best. I’ve worked for many different companies and have had many different providers, BCBS has ALWAYS been the best. Innovative plans, the best networks of providers.

  • osunumberonefan 1:11 am on February 6, 2010

    Anthem Blue Cross has always paid everything they should for my health insurance policy