Debra Said:

College Student, independent from parents and looking for health insurance.....any ideas?

We Answered:

Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company.

If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles and low copays your monthly premiums will be significant.

On the other hand you are young and presumably healthy and probably use the health care system rarely you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead.

You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation.

Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even "pitch" a discount plan that is not insurance at all. Use the Internet to educate yourself but use an agent to purchase the coverage.

Willard Said:

How does Pesonal Health Insurance work?

We Answered:

When faced with the option of whether to purchase disability insurance, many consumers say no without fully understanding the consequences of their decision. The major reason why so few people opt for a smart amount of disability insurance is that disability insurance policies are not as widely held or as commonly discussed as life or health insurance policies. This leads to the current situation, where many people remain uneducated as to the possible benefits that disability insurance can offer them.

disability insurance works within a fairly simple framework. In the event you become disabled in some way and cannot do the job that you are trained for and accomplished in, your insurance will pay you some amount of tax-free replacement income. Disabilities come in many shapes and forms, and anything from vertigo to obesity to any other condition that interferes with your ability to work can potentially make it possible for you to file a disability insurance claim.

Terry Said:

Do you know any good independent health/vision/dental insurance companies in the Midwest USA?

We Answered:

Unicare or Blue Cross Blue Shield of IL.

I'm an agent who sells the insurance in Decatur, IL. Look me up if you need some more info.

Nelson Said:

Can someone provide best independent health insurance i can buy thats affordable?

We Answered:

You did not specify what "afforable" means to you. You did not specify your state, and some plans are only in certain states, but there's always Blue Cross, available in all states.

Christian Said:

How much does health insurance cost?

We Answered:

It's hard to give a ballpark number because of the variety of plans available. It will also vary depending upon your zip code. In my area your cost will range from $27 to $242 per month depending upon the company, the policy, and how rich the benefits are.

Call a local independent agent in you area, tell them what you want, and they'll give you a ballpark figure.

Glenn Said:

How Do I Get Health Insurance?

We Answered:

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