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Trying to compare Health insureance companys.?

Having to get a new health insurer as self employed, so wanted to know how the various company's treat their customers.

I would like to hear peoples experiences with using their Health insurance, the good, the bad and the ugly.....

I am try to decide if I should go with Blue Cross, Blue shield, United health or if anyone has any other company suggestions feel free to add them in.

Update:

I live in California, Los Angeles area

3 Answers

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  • 1 decade ago
    Favorite Answer

    Those are all great companies. Keep in mind that the products do vary from state to state as well. And so are the qualifications - you have to be healthy to qualify for an individual plan and they can go as far back as 10 years.

    But in my opinion Blue Cross has the best rates compared to most other carriers.

    Source(s): Insurace Broker for 8 yrs
  • 1 decade ago

    There is no way to get a valid answer to your question. Insurance companies are required to operate by region. Each of these regions offers about 50 different plans. You might get an answer that I hated XYZ but maybe they had the barebones basic plan but you are looking at the upper level plan.

    Other big health insurance companies are Aetna and Healthnet

    Also, since you are self-employed, and if you don't have any major medical problems you might want to consider an HSA program (health savings account). All the insurance companies offer the program. They are high deductible plans so the premium is lower and you are allowed to invest the amount into the HSA on a pre-tax basis. This money can then be used for medical expenses at any time. Unlike a medical flex spending acount offered through an employer, this money rolls over from year-to-year. If you never use it, it becomes standard retirement income.

  • 1 decade ago

    Make sure you use a broker to get the plan. I have a comparison tool on my site that will help. I'll also add that I had a client on Anthem Blue Cross that was in a coma for 6 weeks last year. He paid his deductible and that's it. He loved them and he loved his case manager.

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