Best health insurance?

I am employed full time, but my company is too small to pay its employees any benefits. So I'm shopping for my own insurance. What I'd like: Insurance that covers all my current doctors, not just giving me a list to pick from. Something that will pay for both living and hospital expenses should a sickness or accident prevent me from working - and will keep paying. Good Dental coverage I'll gladly do a co-pay for doctor's visits. I'm 28 and in excellent health, non smoker - this should give me a good starting point.... Right now, I'm on an international health insurance out of Germany (which is where I'm from) which reimburses me for every medical expense, but I am sick and tired of having to front the money. Any advice? It's tough to just start shopping, so I'd like to get input from people who have insurance. Let me know which company you feel is the best one.
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It's great that you're looking at getting health insurance. If you can afford it (which you should be able to above the poverty line!) it can do wonders. As you say, you are a non smoker and will co-pay for doctors visits which certainly helps. There is a vast difference between the prices of different health insurances, so it's important to shop around. There's a great site for this kind of thing for people in the US. It's totally free and they give you quotes from all the main health insurance agencies. You can check it out here: http://www.mb01.com/lnk.asp?o=1263&c=918273&a=21460 I wasn't sure if you were still in germany, or living abroad, but if you are some a good and complete list of health insurance firms can be found here also: http://www.medknowledge.de/germany/treatment/insurance_companies.htm Hope I was of some help, and good luck finding the right one! Just remember to get lots of quotes and check the fine print! Also, the ones which give you extra 'benefits' like physio and stuff, which you may be unlikely to use, tend to be more expensive so avoid those also if you're unlikely to use them. Have a good one :-)
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