Anthem blue cross and blue shield vs united health care? - anthem blue cross california
My husband and I are in need of health insurance. Her work has United Healthcare and my job provides Anthem Blue Cross and Blue Shield. I wonder whether I am someone who is better or worth the price (and disadvantages) .. can say,
Thank you.
Saturday, January 9, 2010
Anthem Blue Cross California Anthem Blue Cross And Blue Shield Vs United Health Care?
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5 comments:
Good question.
Considerations for Health Insurance:
1. Your doctor: Some health plans require the use of its network physicians. If you currently have a doctor to continue to monitor, then check to see if your doctor is included in the health plan you are considering.
2. Experts: If you have a specific medical problem or think you may have specialists in the future you want to know can use, how to use a specialist. Make sure that you are always in contact with your doctor first.
3. Pre-existing Conditions: This may seem obvious, but sometimes in the confusion of choice for many health plans do not forget to confirm their already existing condition be covered or should be.
4. Emergency and hospital care: You want to know what emergency rooms and hospitals, which are covered by your plan. Also discover what is meant by "emergency".
5. Regular physical check-ups: If you want to receive regularphysical examinations and screening tests that you want to make sure they are covered. Most managed care plans to cover these annual reviews, but some insurance plans do not cover independent at all.
6. Prescription Drug Coverage: If you just use drugs regularly, or if you believe that you need in the future, you need a plan that has a good coverage of prescription drugs must be examined.
7. Cost: Now that you know what they want in their plan of care is the time to compare costs. Discover what you have passed a deductible before the health budget to pay, you also want to know if your deductible, before the services can be used to meet. Also, find out what percentage of health care will be paid after the deductible and what percentage is paid if you are a doctor, hospital or specialist who is required outside the network if there is a concern for you.
8. Exclusions: This last fact is the list of exceptions. They want to see the exclusions of the plan from the list of contributing to what is not coveredand to see if certain conditions which currently have or expect to have in the future, included in this list.
Hope this helps!
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Brad, Personal Finance Education
1. whether the doctors are listed in each.
2nd, to see what deductions / co-payments and coinsurance
3. What is the price of each of you for business and the cost of the two from each company.
4 º, turn the exclusions
5, or whether HMO, PPO
6, a copy of these plans, and if one of you has a personnel department to be able to break, you can see what fits best plan.
You can complete each of you in their own work schedule.
The main thing is probably cost more. For example, if a policy, a deductible of $ 2,500 and the other only a $ 500 deductible is a big difference in their expenses you pay each year can make. So, whether the policy covers them well cared for, or if you are deductible, as if she or he goes to the doctor several times per year, which could cost more.
Good luck
1. whether the doctors are listed in each.
2nd, to see what deductions / co-payments and coinsurance
3. What is the price of each of you for business and the cost of the two from each company.
4 º, turn the exclusions
5, or whether HMO, PPO
6, a copy of these plans, and if one of you has a personnel department to be able to break, you can see what fits best plan.
You can complete each of you in their own work schedule.
The main thing is probably cost more. For example, if a policy, a deductible of $ 2,500 and the other only a $ 500 deductible is a big difference in their expenses you pay each year can make. So, whether the policy covers them well cared for, or if you are deductible, as if she or he goes to the doctor several times per year, which could cost more.
Good luck
For more information about the plans for Medicare supplementary insurance, also known as Medigap insurance. You can find online offers and information from A rated insurance companies to obtain: Seniors of America www.americanseniors.com
American Seniors
http://www.americanseniors.com
Both are good. You choose the coverage that best suit your situation.
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