Question : What type of health insurance covers everything from a bug bite to brain surgery?
I am about to buy my own health insurance and i was wondering what type of insurance covers everything possible. I keep hearing stories about insurance not payting for certain test or some insurance not paying doctors to check for somethings. I want insurance that will cover me if i happen to go in for cancer or anything possible. Also if you have any suggestion on any great insurance suppliers please let me know.
- asked by mrmarcellus2002
All Answers:
Answer #1
I graduated from medical and billing collegerecently, and it seems to me Blue Shield, BlueCross covers more than any other insurance. But Idon't think there's any insurance that doesn'trequire a preapproval of some procedures beforeyou get you principal doctors referral first. Lookup insurances and make sure are well informed forall that each plan offers before making a finaldecision.
- answered by marie a
Answer #2
Sorry, but individual insurance, by it's nature,takes into account that YOU are the risk factor,and not a pool of people. Therefore, ALLindividual carriers, whether it's Blue Cross orUnicare, has pages long lists of what is NOTcovered by their plan. And I can promise you, bugbites aren't covered!Blue Cross is good, but it isalso the MOST expensive carrier. Make contactwith an independent agent who represents all themajor insurance carriers to obtain the best plansand price quotes. If you're in Texas, please see:
http://www.health-insurance-low-cost.net/Insurance-Agents.htm.And by the way - the less yourdeductible, the more you will pay on insurance. If you put pen to paper, you will find youactually save money by having individual insurancepick up LESS of your health care costs. The proofis in the numbers, see:
http://www.health-insurance-low-cost.net/Deductibles.htm.Good Luck.
- answered by Health Blogger
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measure and fulfill your financial needs
