By: Robert

Robert — Tue, 25 Nov 2014 03:16:57 +0000

I have an Anthem Blue Cross Blue Shield PPO family plan becusae it was much cheaper ($100 s a month) than getting the shoddy insurance through my workplace (for four people two adults and two kids I pay $324 per month). It also has better coverage and benefits, and the plan I chose has no co-pay and pays 100% of the bill for regular visits. I didn’t have to change any of our doctors when I switched, either.Anthem has dozens of plans to choose from. I suggest starting here:Most insurance companies (I’m not sure that this is required by law) will cover an existing condition from the first day of coverage if you have had health insurance for twelve consecutive months before signing on with a new company.On a related note, I wouldn’t listen to agents who are telling you that the average plan costs more than $1000 a month (wtf?) or that going to a local agent is the best idea (in my experience, it’s the WORST thing you could possibly do). Most local agents charge HUNDREDS more a month than places such as Blue Cross, and they offer woefully deficient benefits, huge deductibles, and little to no service. They’re working in part on commission, remember.Although it’s in a different field of insurance, I can say by way of example that when I called my local agents for car insurance, they all told me that I’d need to pay between $600 and $800 per month for full coverage and that I’d get no better deal. Both Progressive and Geico quoted me $83-85 per month for the same coverage and lower deductible.

Comments on: Four Ways to EM-Power your Career by Offering Long Term Care Insurance Coverage

By: Robert