I am trying to find health insurance for my sister and I. I have done some research on Humana, Blue Cross & Blue Shield and United Health Care, but I'm not really sure which one to pick. We are relatively healthy with no pre-existing health conditions and probably only get sick about once a year. We basically need the routine essentials, visit to the eye doctor once a year, dental cleanings every 6 months, and an annual visit with the gynecologist. Neither of us smoke, or are on prescriptions, and we don't need maternity leave or anything like that. I'm looking for something that won't make me broke since I'll be paying for it, but still provides adequate coverage, and for that just in case in accident the insurance will cover it so I don't go home with a bill for thousands of dollars...What would be the best company and plans to look into? Thanks for the suggestions! (BTW we are Illinois residents)
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You'll want to call or visit a local agent that works with all of the major companies in your area instead of trying to be your own agent. The agent can find the best plan for your situation and budget. They can explain what you get and, more importantly, what you don't get with the different plans. There is no extra charge using an agent; you'll pay exactly the same premium using an agent or being your own agent. Health insurance doesn't have dental coverage, although in most areas all three that you mentioned do have dental you can add as an option and an additional premium. You'll need to compare the dental plans just like the health plans (or the agent can do that as well) and also compare them to the stand-alone dental plans available.
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