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Tips on How to Find the Best Health Insurance

Affordable health insurance has been more than just a political platform, it is a concern that is in the thoughts of almost everyone in the country. Maintaining good health is now more important than ever, because the adverse financial impact of a serious illness could be financially devastating. In these times of economic uncertainty, getting and maintaining good health insurance has become more and more difficult.

Finding the best medical insurance is no easy task. To find the best coverage at the best price, you are going to have to take your time and research all of the medical insurers currently available to you. Don’t be discouraged, though. There are many factors – like a pre-existing condition, that will eliminate you right off the bat, and make your list grow short rather quickly. The time spent collecting these details will be time well spent.

When reviewing the different policies offered by health insurers, you should understand certain things, such as:

· How much is the premium? (monthly payment)

· How much is the deductible? (how much money will need to be paid out of pocket before coverage kicks in)

· What are the copay costs? (primary doctors, specialists, preventive, and behavioral care specialists all may have different copay amounts)

· How is emergency care is covered? (sometimes it is only a low percentage)

· What percentage of prescription costs is covered? (the higher the better)

· Is inpatient and outpatient rehabilitation care included?

· How is Pre-natal and Post-natal care handled?

· What percentage of inpatient hospital care is included?

You should compare the policies offered by several different companies based on the answers to the questions above. This will enable you to select one which provides the necessary coverage, as well as costs less. Most importantly, make sure you understand the basics about your potential plan before you make your final decision. With the proper research you can get the best possible affordable health insurance for your needs.

Anthem Blue Cross is the company Californians have trusted for seven decades to help protect their health and financial security. In fact, Anthem covers 8.3 million Californians – more than any other carrier in the state.
Anthem Blue Cross provides customers with unparalleled choice and flexibility in meeting their health plan needs. These options are continually fine-tuned to enhance access to affordable, quality health care.

Unique product offerings available in the individual, small and large group, senior and MediCal markets include a full range of integrated medical and specialty products. Our products include:

* BeneFits – the groundbreaking portfolio with special provisions and a unique education and enrollment site for small businesses
* Dental, vision, life and disability coverage*
* 360o Health Management Program, an impressive set of resources, programs, tools and services to help our Small Group members achieve their own personal healthy best.

For nearly 70 years, Blue Shield of California has distinguished itself with innovations that have changed the face of health care and made us a prominent force in the California healthcare market.

Throughout our history, Blue Shield has laid claim to several notable ‘firsts’ in the industry: in 1943, we offered the first health plan in the nation with coverage for pre-existing conditions under group programs; in 1950, we introduced the first catastrophic coverage in the nation; in 1984, we became the first health plan in California to offer online benefits and enrollment information; and in 2000, we introduced the state’s first cross border HMO, Access Baja.

Our tradition of innovation continues in the 21st Century as we became the first health plan to propose statewide universal coverage.

Aetna (NYSE: AET) is one of the nation’s leaders in health care, dental, pharmacy, group life, and disability insurance, and employee benefits. Dedicated to helping people achieve health and financial security, Aetna puts information and helpful resources to work for its members to help them make better-informed decisions about their health care. (As of Sept. 30, 2007)

Aetna is dedicated to helping people achieve health and financial security by providing easy access to safe, cost-effective, high-quality health care and protecting their finances against health-related risks.

Building on our 154-year heritage, Aetna will be a leader cooperating with doctors and hospitals, employers, patients, public officials and others to build a stronger, more effective health care system.

Health Net, Inc. (NYSE: HNT) is one of the nation’s largest managed health care companies. More than 27 years of experience and dedication help us bring quality medical and supplemental dental, vision, life and disability insurance to over 6.8 million people across the country. Our mission is to help people be healthy, secure and comfortable.

Affordability, flexibility and choice are the hallmarks of our insurance plans. We provide our members with additional support through a unique 24-hour decision-support telephone service, phone and in-person programs, plus online information and tools so they can make the most informed choices about their personal health care needs.

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