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Old 01-17-2009, 12:27 PM
 
Location: West Knoxville
39 posts, read 112,981 times
Reputation: 25
Default Health Insurance

My health insurance keeps going up without reason !
Please share with me a good company that will not hose the client on payment and has good coverage.

Thank you !
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Old 01-17-2009, 12:40 PM
 
Location: Knoxville,Tn.
2,011 posts, read 3,375,480 times
Reputation: 1487
Bob,
Bill uses Cariten Sr. Health, no complaints from us regarding the cost or services.
Pam
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Old 01-17-2009, 12:42 PM
 
Location: West Knoxville
39 posts, read 112,981 times
Reputation: 25
Thanks Pam !

I will call Monday !
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Old 01-17-2009, 12:49 PM
 
Location: Knoxville, TN
396 posts, read 782,822 times
Reputation: 251
My husband uses Humana but his deductable is kinda high. He hasn't had many complaints.

LCG
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Old 01-17-2009, 02:07 PM
 
Location: Knoxville
190 posts, read 500,847 times
Reputation: 60
If you have an individual plan (as in you aren't in a group at work) then each year your premium will go up. At least that is my understanding and experience.

We have Blue Cross Blue Shield of TN and have not had any problems.
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Old 01-17-2009, 02:22 PM
 
Location: West Knoxville
39 posts, read 112,981 times
Reputation: 25
Special Thanks !!! For all the helpful feedback !
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Old 02-11-2009, 09:19 AM
 
1 posts, read 1,990 times
Reputation: 10
I'm a health insurance broker and I've seen cost go up across the board year after year. Group or individual rates will go up based on medical inflation and as you get older. They shouldn't however, go up or down based on your claims, which is a good thing. With group coverage, the increases don't seem as large because the business usually pays for much of the employee premium. Increasing healthcare costs will continue to drive insurance premiums up until policy holders (you and me), shop for healthcare based on quality and price just like we shop for cars, food, and toys for our kids. Right now we shop based on quality and the benefits of our policy, not necessarily based on the price the provider charges. When we starting paying attention to the price of the healthcare we choose, then prices will come down. Assuming the government doesn't jump in and really screw things up first.
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Old 02-27-2009, 03:00 PM
 
Location: Rural New Mexico
556 posts, read 1,558,761 times
Reputation: 317
Quote:
Originally Posted by LilCabinGirl View Post
My husband uses Humana but his deductable is kinda high. He hasn't had many complaints.

LCG
I'd avoid Humana. 2007 I had Humana's Part D and no problems. This year I have Humana Gold Choice to cover both medical and dental (premium cheap). Humana now refuses to cover an (expensive) prescription med I cannot have quality life without. Dealing with their customer care (oxymoron big time!!!!), grievance and appeals has been pure hell. Now hear that they are one of the worst companies to deal with.
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