What is a good healthcare insurance that covers well AND not expensive?
454682
HMO's suck for doctors, but are cheap for you if you get a good one, you just have to be choosy about the doctor, the doctor has to be in network.  if you can afford it, go with PPO, POS, QPOS, etc.  because doctors get paid better, and you wont have to pay them as mucha as a result.  Talk to some doctors around that you like, and ask them, some doctors will not charge you much if you have an HMO, but some will, and other way around with PPO and such.
1103395
check with your insurance company they can tell you what is covered and what is not covered. If it's not check with your local health department, they usually offer them for less or sometimes, depending on you situation for free.
1185310
You sound like you already know a bit about health insurance, but here’s a couple of general ideas, although it’s always best to talk with a qualified insurance agent who can help you get the right coverage. When you talk about $200-250, is that total costs for a month or for premiums and copays? It sounds like you might like a PPO over a HMO, although you might also be interested in a more traditional fee-for-service type of insurance. The PPOs will give you more freedom, but you’ll also have to fill out more paperwork. However, if you already have a doctor you like, you might want a PPO since your doctor might not be part of a HMO (PPOs usually don’t require you to have a primary care physician). \n\nLast year, Consumer Reports conducted a national reader survey of about 35,000 people and asked them about how they liked their health insurance and quality of health care (click here). Sixty-four percent said they were happy with their health plan. People were generally happier with HMOs than PPOs, but the Consumer Reports writers said that this was probably more a function of the lower prices. As a group, more PPO members felt they had adequate access to health care than HMO members. As I mentioned before, though, the rate of billing errors was three times higher among PPO members than HMO members.\n\nKaiser of course has a major presence in California, and Blue Cross Blue Shield is also a popular choice among Californians (they had by far the most PPO plans in the top 10 of the CR survey). You might want to write down all your concerns and then rank them in order of importance. It’s simple, I know, but I’ve always found it a useful way to make a tough choice.\n\nIf you’re still looking for answers, visit MostChoice.com. It’s a Web site that makes finding health insurance answers easy and makes shopping for health insurance quick and painless. You’ll be able to view online quotes from California health plans, and local area insurance agents will help you compare a range of competing health plans from companies like BCBS. There’s no cost or obligation to you, and your personal information is used only to match you with local health plans and insurance agents. You can find it here: http://www.mostchoice.com/health-insurance.cfm.\n\nBarnes@MostChoice.com
213150
http://www.ehealthinsurance.com/\n\nGreat place to start.
973680
Low-cost insurance availability varies depending on your location.  In most places in the US, Blue Cross/Blue Shield is available with a variety of low-cost options.  Some states also have subsidized insurance programs.  \n\nHere's a link with good info:  http://www.familiesusa.org/resources/tools-for-advocates/other/web-sites-of-consumer-health-assistance-programs-that-help-with-general-health-insurance-problems.html
537019
I have medical health and dental insurance now but not always. I think that I get better treatment and have more options available to me by having insurance. I also think that it depends on how good your insurance is too. If you have crappy health insurance that doesn't cover much then you may as well not have insurance at all. It is a big game with the providers and they are all in it for the money. Some insurance companies bargain with health care facilities and will only pay a certain amount where as some insurance will cover at 100%. Which person do you think they'll kick out of the hospital faster? The one that either can't afford it or they are making little money OR the one that they are getting their whole costs paid?\nSad but true. Scandalous actually but this has been an issue for years. The cost of insurance keeps rising because people that don't have insurance usually don't pay their bills or can't pay them in a timely manner so the person who can afford insurance ends up paying for it with higher premiums or deductibles,etc...
985332
typically blue cross and blue shield is a decent company
512630
There is a lower costing health insurance called KChip that is just for children. I don't know if it is just available in my state of Kentucky but you could type it in the search engine and they might have something similiar in FL for you.
586471
There is no such thing as cheap healthcare.  There is free healthcare and really expensive healthcare.  Especially dermatologists.  The need of a derm is usually cosmetic.  So it is something people really want, not need usually. Your best bet is just get to whichever one you can find and make sure you have some insurance first.
958013
Look into (Medicare) Capital Health Plan in FL. (capitalhealth.com) for the best coverage in FL. Also look into commercial plans...Harvard Pilgrim  Health Care, (harvardpilgrim.org) based in MA. They provide good HMO/POS healthcare. Consider mail order pharmacy with these or any other plan(s) that you might get for good Rx co-pays.
966641
I signed up for my employer's HSA and high deductible plan for next year.  From the research I've done it seems that it's a good deal if you stay healthy.
934130
Check out health plans available through your college and see what students like you are doing about health insurance. If that doesn’t work, several major insurance companies have developed plans aimed at the so-called “young invincible” market – people in the 20’s. That’s a good thing since about a third of all recent college graduates don’t have health insurance. Two of the most prominent plans are from Blue Cross Blue Shield and UniCare. The BCBS plan is called the “Tonik Health Plan” and was originally developed in California, but is expected to expand rapidly. It features low premiums ($70-$135) and high deductibles ($1,500-$5,000). Another plan for men and women in your age group is from UniCare. Again, it started in Texas but is supposed to branch out to other parts of the country. It’s called “Sound” and has features similar to the BCBS plan.\n\nHealth plans differ in three basic ways:\n\n•monthly price/annual deductible\n•access to health care (the degree to which you can visit whom you like and undergo medical treatment a specialist thinks you need)\n•financial strength of the insurance company\n\nAlso, the price of a plan is not simply the premium you pay each month. You also have to consider the annual deductible, as well as any coinsurance amounts or copayments. Additionally, the savings you can achieve through an HMO, PPO, or other managed care plan can be erased if you have to go outside the network for expensive medical care. I’ve included links to two articles that do a good job of walking you through making the best possible choice in health insurance you can afford that still provides the coverage you need.\n\nYou might also want to look into short-term medical insurance. It doesn’t offer the same range of benefits as longer-term insurance, but many people get these kinds of plans when they’re in-between jobs. Typically, they last from a month to six months, although you can find short-term policies that last for a year. Short-term plans usually help pay for:\n\n•Hospital room and board\n•Ambulatory services\n•Intensive Care\n•Lab Exams\n•X-rays\n•Prescription medications\n\nThe Web has many different Web sites where you can compare and contrast local health plan prices and features. MostChoice.com is one such site, and you can also get in touch with local area agents without any obligation. Tell them what you want and what you want to pay and have them do the legwork for you.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
733231
Are you buying your own plan or are you employed? Employer based insurance is usually the best and the cheapest.\nIndividual policies are okay the thing is as you add more things to it the price goes up. There are tons of of websites offering "the best insurance" but this is what you need:\nLow deductible, Low inpatient stay deductible/copay.\nReasonable pharmacy plan if it's offered with the medical.\nDo they cover your annual exams for both you and the baby, some individual plans don't.\nDo they cover baby vaccines. \nLabs and radiology is there a copay? Some radiology tests may on different plans.\nBirth Control what products are covered, if any? (after you deliver)\n\nAt my job I suggest www.ehealthinsurance.com
494900
Traditional Indemnity insurance usually covers any doctor with deductibles and coinsurance (like 20%).\n\nPPOs usually pay more, either no deductible or less coinsurance, BUT you have to use a doctor that is in the plan.\n\nHMOs usually cover 100%, or you have a small copayment, but you have to have one Primary Care Physician (PCP) that refers you for any specialty care.\n\nIf you are comparing plans, don't forget to look at the plan limitations and exclusions in addition to the costs of the plan and your share of the bills.  Some plans don't cover certain services (chiropractic, maternity, mental health, yearly exams, etc.) and others will.
530793
Health Insurance........
1122523
Can anyone be happy with health insurance? Premiums are way too high and co-pays are high as well.  It's hard to find a good doctor and when you do his hands are constantly tied by the insurance approval.  They look at money completely!
223053
It all depends on the state in which you live.  Blue Cross is aways a good reliable but Golden Rule is a good company also.  The latest thing in health insurance is called medical savings accounts.  Find a local agent and talk to them