Sunday, June 12, 2011

Need health insurance plan, please advise on best option!?

I am an Asian male, 27 years old, living in Southern California and I have been without health/dental insurance for a year now since I started my restaurant. I was hoping someone could set me up with an insurance company that catered to people in my age group. I am in good health, so the insurance policy would only be for checkups, although if anyone could introduce me to a plan that had dental included, that would be great. Thanks again!
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The company that caters to your age group will be different depending upon what zip code you're in. You will need to visit a local independent agent. This person can find the best policy in your area that fits your situation and budget. The plans and premiums are the same whether you go through the agent or buy directly from a company. You may get answers here concerning medical discount cards. Be very wary of these cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn't find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients. For dental a yearly exam and cleaning and even an occasional filling will be cheaper without insurance. Some companies will have dental as an option. You'll need to compare the benefits with what you need and the agent will be able to help you there.
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