what are some good Health Insurance Companys?? (Phoenix: pros and cons, cost)

[azkylady2]

I am currently with Blue Cross and not sure this is the best option. what is the most commonly used in Phoenix? If some of you could give me some company names that are decent companies to deal with I would appreciate it.

[azloafer]

Originally Posted by azkylady2

I am currently with Blue Cross and not sure this is the best option. what is the most commonly used in Phoenix? If some of you could give me some company names that are decent companies to deal with I would appreciate it.

It makes a difference if you are talking about insurance while you are under 65 or over 65.

[MotleyCrew]

We also have B.C/ B/S. We are under 65 and found them to have the best rates for our ages. We had United Health for awhile and it was very good, but much more expensive.

[azloafer]

I could only help if you are 65 or older. I am 66 and only know about Health Insurance for people my age.

[sheena]

I had Blue Cross and Blue Shield at one time and they were fine. I had Cigna Private Practice not the HMO for the last 7 years, they are a little more money than BC /BS but they were fine as well. I wouldn't do the HMO if I didn't have to.

[azkylady2]

Originally Posted by azloafer

I could only help if you are 65 or older. I am 66 and only know about Health Insurance for people my age.

Appreciate your trying to help.

[Nice Nice Baby!]

Blue Cross is as good as others. Pacific, United, and the AARP(Supplemental/Medi-gap) have good policies. Always try to avoid HMOs. Keep in mind health insurance is the number one reason why people are unable to retire because of the costs. It will cost between $7k-$8k a year for a single retired person, and $12k a year for a couple, and these cost are increasing 6% to 10% yearly.

"Would you like fries with that?", or "Welcome to Wal Mart!"

Maybe your a little more youthful and not retired yet, in that case your cost is much less.

[islesfan]

As an insurance agent and consumer I always explain to my clients that there is no such thing as a perfect health insurance plan. Each has pros and cons. Each individual has unique needs and concerns. I am most fearful of suffering an accident or illness that will make me uninsurable. I see too many people forced to find some mediocre job just to get benefits. As a result for the last two years my family has, and I recommend to my clients association group coverage. The primary benefit is that you can’t be singled out for rate increases or cancelled. If you have a heart attack you won’t have to worry about your premiums increasing 400%! Premiums are competitive, and they usually don’t increase as drastically as individual plans do each year.
Andy Orlikoff, LFB
Your Licensed Insurance Agent
623-742-3878
higarizona.com