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I have been shopping for insurance for a few weeks now and would like some second opinions. What health and dental insuranc edo you have and do you like it?
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about 1 year ago
It all depends on your age and if a portion of your premium is being covered by your employer. If you have to pay it all, then Kaiser is the cheapest, but is only available in some states. Then the rest are pretty much the same, Blue Cross, Blue Shield, Aetna, Western Health, Pacific Care, etc…
The other difference is if you want a PPO or an HMO. A PPO tends to be more expensive and you would pay a percentage of each visit this is called co-insurance (usually 20%) along with an annual deductible. However, with the PPO you don’t have to go to your “home” doctor to get a referral for a specialist like on OBGYN.
The HMO is generally cheaper, no deductible and you make co-payments, not co-insurance.
I have and EPO through Aetna witch is an HMO and I like it alot.
Hope this helps!