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Jim Davidson
Posted on Monday, October 23, 2000 - 11:45 pm:   

Buying Health Insurance...Buyer Beware...It pays to COMPARE coverages.
I used to sell life,health,property and causalty products as an agent,prior to going into the claims field.
The agency that I worked for was very selective in choosing a health product to sell. What is their AM Best Rating??? Is it an "A" or higher
rating? The local library will have this information. How long have they been in business?

We did not offer any health products that were associations, memberships or alliances. I am not saying that these companies are not reputable, but be carefull, research them.

Check your states laws to compare the following:

One major difference between a Health Insurance Policy vs Health Insurance Certificate:
Usually, a health insurance policy will only cancell for non-payment.
Ask about their cancellation/non-renewel information.
The rates are generally higher, but the coverage is better.

But, some health insurance certificates can be cancelled for any reason with written notice in 30 days!! Depending on your states laws.
The rates are lower and the coverage is not as good.
ASK about the cancellation/non-renewal information.

Worst case is a family member has been diagosed with a life threating illness and your coverage is non-renewed. Your new coverage has a 24 month pre-existing condition. Now what????

Remember to read what is "excluded" first.

Some health products will offer great rates the first year and the following year go up two to four times the original rates.

REMEMBER, the old saying: you get what you pay for.
Jim Davidson
Ross Carter
Posted on Saturday, October 14, 2000 - 9:19 pm:   

Is this correct? AFL-CIO has the largest group health plan.By being the largest, it is also the least expensive. Anyone can join this union if his/her work description is one of the many,many listed descriptions in the union paperwork.Once a member, group coverage is possible. Any feedback would be greatly appreciated!
Posted on Saturday, October 14, 2000 - 8:40 pm:   

best deal i found for an individual policy was blue cross-blue shield. however they do have low limits on coverages for prescription medication. i think you can get a quote and buy it on the 'net. they also offer dental insurance but i didn't get that and know little about it.
Posted on Friday, October 13, 2000 - 10:52 am:   

If you feel that you currently have a good health and medical plan, please let me know. I am ready to change providers. If you also have vision and dental please supply that information as well.

Thank you,


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