U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > U.S. Forums > Texas > Dallas
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
 
Old 01-27-2008, 07:29 PM
 
42 posts, read 145,610 times
Reputation: 23

Advertisements

we are looking into a few health insurance carriers for our family of 4. Can anyone recommend a health insurance with good coverage,that they are happy with?

thank you!
Reply With Quote Quick reply to this message

 
Old 01-27-2008, 09:18 PM
 
Location: Richardson, TX
11,100 posts, read 17,574,115 times
Reputation: 28004
The carrier with the biggest network in the area is Blue Cross Blue Shield.
Reply With Quote Quick reply to this message
 
Old 01-27-2008, 09:42 PM
 
22 posts, read 56,998 times
Reputation: 19
Default Mega Life

check out Mega Life... they have some different types of plans... works for me and few others in my office, but some people with larger families found Blue Cross/Blue Shield to be the better route.
Reply With Quote Quick reply to this message
 
Old 01-28-2008, 01:17 AM
 
Location: Dallas/Fort Worth, Texas
4,142 posts, read 13,485,133 times
Reputation: 2556
I have had BCBS and United Healthcare... I absolutely have no complaint about UH. Highly recommend them.
Reply With Quote Quick reply to this message
 
Old 01-28-2008, 06:17 AM
 
150 posts, read 795,009 times
Reputation: 126
Your post implies that you will not be obtaining coverage through an employer which means you must purchase an individual plan. Not cheap and varies widely depending upon what you want. Most major companies do sell individual policies. If you are self employed and own your own business, are you a member of a chamber of commerce? Many chambers have a program where you can purchase insurance through a group plan (means lower premiums). If not, there are still groups out there that you can join in order to get better premium prices. PPO, EPO, HMO, POS are all different and the premiums can be all over the page depending upon deductibles, co-pays and how much out of pocket you are responsible for. Please spend time reading policies carefully so you are not shocked later when something isn't covered. While the language can be confusing, mistakes can be very costly.
Reply With Quote Quick reply to this message
 
Old 01-28-2008, 06:32 AM
 
Location: Fort Worth, Texas
10,736 posts, read 31,806,692 times
Reputation: 6788
When I lived in Texas I had a PPO policy through BC BS of Texas. For Texas they are good but if you live here in Florida BC BS is someone to stay away from.

The best insurance I have ever had was with United Healthcare.
Reply With Quote Quick reply to this message
 
Old 01-28-2008, 09:06 AM
 
Location: Texas
8,668 posts, read 20,328,811 times
Reputation: 21296
Quote:
Originally Posted by nsumner View Post
I have had BCBS and United Healthcare... I absolutely have no complaint about UH. Highly recommend them.
Quote:
Originally Posted by mckinneydeb View Post
Your post implies that you will not be obtaining coverage through an employer
Quote:
Originally Posted by Lindsey_Mcfarren View Post

The best insurance I have ever had was with United Healthcare.
Don't know about cost because ours has always been through an employer, but my husband and I have had quite a few over the years, and I have to agree I think United Health Care was best of the ones we had.
Reply With Quote Quick reply to this message
 
Old 01-28-2008, 11:49 AM
 
Location: DFW, TX
2,935 posts, read 6,128,573 times
Reputation: 571
Talk to an independent agent about FSA + Catastrophic insurance. It's typically around $200 a month for a family of 4 with a 5k deductible and 0% coinsurance. Then you have an FSA to cover typical expenses you expect through the year.

With regards to specific companies, I had UHC and many of my coworkers complained about doctors switching away from UHC in other regions, leaving them with few choices. I use Cigna now and have never had a problem. My father went through operations and chemo for cancer using Cigna about 15 years ago and they didn't give him a hard time about anything.
Reply With Quote Quick reply to this message
 
Old 01-28-2008, 08:18 PM
 
150 posts, read 795,009 times
Reputation: 126
OK, I'll come clean about something. I worked for United Healthcare for 5 years full time and another 2 as a contract worker. I have United Healthcare through my husband's employer. A long time ago we had Aetna. In my current position, I work with dozen's of health insurance providers in TX, FL and LA. From a provider point of view, United Healthcare is OK to work with, Aetna about the same with BCBS being the easiest. FL has a lot of smaller health plans which are not so easy to work with and frankly, Florida healthcare providers and insurance providers can be more difficult to work with than TX. However, basically all seem to cover about the same things. From a consumer point of view, United is easy to work with but certainly has it's share of problems.

I can not stress enough the importance of fully reading your policy. You can't just assume that everything is covered just because you have health insurance. The way things worked at UHC is that there are basic plans that employers can pick from. They pretty much all cover the same basics, it's when employers want to cut costs that certain things get "excluded". Typically the more liberal the plan the more it's going to cost the employer and the employee. HMO plans are usually more restrictive and therefore the cheapest. Some of the larger employer groups did have specific language that was out of the norm, but those were companies that had been around for decades. Unions also played a part in some of the language/coverage but even so, the plan was still based upon one of the few basic policy templates.

The insurance business can be pretty complicated for most lay people but if you just take time to read your policy you should come away with a fairly clear understanding of what your costs are going to be, what is covered, and what's not. If given the option of several plans, you have to take time out to decide what is more important to you (lower premiums, less out of pocket, higher deductibles, coverage for particular treatments...)and then compare each plan to see which one best suits your situation.
Reply With Quote Quick reply to this message
 
Old 09-17-2008, 09:39 AM
 
1 posts, read 2,473 times
Reputation: 10
Default Medical Insurance

As far as which plans are the best, I have had a very bad experience with Blue Cross of South Carolina. When we moved here I made sure to get my son insurance. The problem is they would NOT pay for a SINGLE medical bill. My son now owes over $25,000 dollars in medical bills. I can't recommend Blue Cross of South Carolina.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:


Options
X
Data:
Loading data...
Based on 2000-2016 data
Loading data...

123
Hide US histogram

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > U.S. Forums > Texas > Dallas
View detailed profiles of:
Follow City-Data.com founder on our Forum or

All times are GMT -6. The time now is 01:20 PM.

2005-2019, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top