We are going to be loosing our current medical insurance through my husbands employer and are going to purchase medical and dental insurance privately. I want to know who offers the best plan for your money. Is there companies to look out for and are there any companies that are highly recommended. Just wanting some input. Thank You...:)
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Find the local Blue Cross plan in your state. It has been my experience that a common misconception is that Blue Cross is expensive. This simply is not true. Apples to apples, they are one of the least expensive. Another little known fact is that most Blue Cross association member companies are non-profit. Each Blue Cross is separately owned and operated. The main benefit with having a Blue Cross policy is the savings you will receive in lower out-of-pocket expenses thanks to the, "allowed amounts." Allowed amounts are the pre-determined negotiated rates between Blue Cross and doctors/hospitals. As a member of Blue Cross you will only be charged the allowed amount, so long as you use a contracted provider. Another benefit is that most Blue Cross plans include vision, prescriptions, office visits, annual gynecological/physical exams and urgent care without having to meet the annual deductible first. These benefits allow you to take a higher deductible to lower your monthly cost, yet still cover you for the most common problems.
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