Health Insurance Comparisons

Linda asks…

Can someone direct me to a legit website where I can get a comparison on various health insurances?

I’m a full-time student who works part-time. I’d like to purchase a temporary insurance w/c covers for health, dental, and vision care, but I’m skeptical of entering my personal info on various websites where I’m attempting to get a quote.

Also – Is there someone who can suggest w/c health insurances are considered to be reputable, and how I can get a listing of participating providers for these insurances?

Chris Station answers:

Nope, no such horse. No company writes in all states.

Most private dental polices cost more than they pay out. Ditto for vision. For those two, you’re better off not being insured.

Your best bet, is to go to a local agent, who will tell you who’s got participating providers in your area, who’s got the best coverage for the lowest rates, and can compare line by line.

Health isn’t like car insurance – most likely, there AREN’T 25 different companies writing health insurance in your area – more like 5-10 – wherever it is. The local guy will do you best.

Mary asks…

Why do libs keep making the dumb comparison of require health insurance to auto insurance?

1. There is no federal auto insurance requirement
2. I can buy auto insurance from any state in the U.S.
3. Auto insurance company’s are private.
4. They don’t charge the same rate for a brand new car and a piece of cr#p, A good driver and someone with a history of reckless driving.
5. Car insurance doesn’t pay for every routine maintenance needed on a car, like libs want health insurance to do.
6. I can’t buy insurance after I’ve had a accident. preexisting condition protection doesn’t apply
7. Ever heard of the Constitution of the United States?? The federal government cant make you buy anything. Which of the enumerated powers would that be?

If your going to make a comparison make one that makes sense. I keep hearing it even though it makes no sense.
Mr. You must either be the dumbest person if ever met or your just making fun of libs.
You just gave examples of More differences (not less)
There is no Federal police or fire department (duh)
The federal government can’t do whatever they want in the name of public safety. That was Hitler and Stalins reasoning. Why dont you take a little time to read the Constitution?
kiran C. Yeah you can use the commerce clause if you ignore the rest of the constitution, like the 10th amendment. The supreme court has already ruled that insurance in not commerce. The commerce clause referes to interstate regulation which according to liberals own legislation health insurance is not interstate since noone can buy out of state insurance.

Chris Station answers:

You are not required to buy auto insurance but if you do not you will suffer the consequences later on. Car accident will make you wish you had auto insurance, car tag can be taken if no insurance, can suspend your drivers license for no car insurance. Don’t know if this applies in all states but I know of several where it does. Also cannot purchase any vehicle through a car dealership without showing proof of insurance. Maybe you do not call that being forced but I do.*

Laura asks…

Which health insurance do you think would be better: Humana One, or through my university?

I’m currently enrolled with HumanaOne, but I’m going back to school and am offered their insurance at a similar cost. Does anyone have experience with either of these, or have an idea which coverage would be better? I’m going to do a close comparison, but I also though it would help to get any other opinions out there. Thanks.

Chris Station answers:

Humana, because you will own the policy, not the university. As long as you continue to pay the premiums you cannot be canceled, or singled out for a rate increase. Besides, most college plans are “limited benefit” policies.
Don
http://mtnhealthinsurance.com

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