What is the best health insurance for a 25 yr old married couple?
June 21st, 2009 | by health |
brandilou asked:
My husband and I are looking for health insurance. I grew up on Blue Cross Blue Shield but I don’t know if that is an A rated company or not. Also, what benefits should I look for, what kind of deductible and what kind of q’s should I ask?
ERIC
My husband and I are looking for health insurance. I grew up on Blue Cross Blue Shield but I don’t know if that is an A rated company or not. Also, what benefits should I look for, what kind of deductible and what kind of q’s should I ask?
ERIC
51 Responses to “What is the best health insurance for a 25 yr old married couple?”
By darnell s on Jun 22, 2009 | Reply
BRODERICK
bluecross blue sheild is the bomb
By sanbox69 on Jun 24, 2009 | Reply
DEANDRE
the one that is afordable and your doctors accept
By bingo on Jun 24, 2009 | Reply
GONZALO
blue cross and blue shield, most doctors and hospitals take them
By Mary O on Jun 27, 2009 | Reply
BUSTER
Blue Cross/Blue Shield
we have a 200.00 deductible per year per person.with a 20 co pay, and we have medco for prescriptions
By What, what, what?? on Jun 28, 2009 | Reply
DANTE
Usually it is up to the company that you work for, that offers the insurance..and who they go through or offer (sometimes large companies/government agencies offer serveral to choose from). It also depends on where you are from. Blue Cross Blue Shield is OK…I like CDPHP over BCBS–but they are peculiar to my area. Your employer should supply you with information (especially if you have the choice of more than one to choose from) that lists deductables, how much per month will be paid out and what they will cover.
By Mark Asbell on Jul 1, 2009 | Reply
BASIL
go to
I’m 29 and my wife and I just went through this process. This site has the best quotes available from multiple companies and it is a fairly simple process.
By Rick on Jul 2, 2009 | Reply
GARFIELD
As a 25 year old married couple you need to ask yourself a few questions:
1) Are you planning on having children? If so, you want to make sure that the plan you select has maternity coverage. Most straight PPO Indivdiual/Family plans do not offer Maternity Coverage that is reasonable. Depending on your area Blue Cross may offer an HMO based plan that does cover maternity. Be aware – most individual plans that cover maternity have a wait period before the pregnancy will be a covered benefit.
2) You may also want to look at an Health Savings Account (HSA) Qualified plan. Being so young, they afford you a great way to save (tax free) for future medical expenses. Also, because you are young, chances are you will not incur any huge medical expenses – so dont pay the huge premiums for a benefit rich co-pay plan – you will be able to save the premium difference between an HSA Plan and a traditional plan into you your HSA.
3) If you are self-employed – make sure you look for a plan that covers on the job accidents – some plans exclude this coverage, so be sure to ask for a Sample Policy Cert before signing up for any policy
4) Use a local independent agent – they have the most knowledge on the plans that are available in your area.
Hope this helps and good luck!
By mbrcatz17 on Jul 4, 2009 | Reply
CRAIG
Yes, BCBS is A rated. You can always check with AM Best.
If you’re getting it through your employer, you probably don’t have many options. If you’re buying a private policy, it’s likely to cost you about $250 a month, each.
If you’re relatively healthy, it’s probably worth it to take a higher deductible in exchange for a significantly lower monthly premium – RUN THE NUMBERS before you buy.
Make SURE you buy from a licensed agent IN YOUR AREA. A great price on health insurance means NOTHING if you have to drive 200 miles to see an in network doctor.
And lastly, I’m sure you’ll get lots of offers from this posting, for “health discount plans”. They are a scam. Or rather, the vast majority of people you try to use them, **** them. Very few providers take them, despite what the salesperson says. Plus, 60% off a $100,000 hospital bill STILL leaves you with $40,000 out of pocket. OUCH!!
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