So, my insurance is increasing more than double as of 1/1/14. So, I need to pick a different plan. One that is less expensive. But I am not sure if I have to give up something in order to get a lower premium what it should be.
The cheapest plan has no ER coverage and I have to hit a deductible of $12,000 for sick visits before they cover anything and there is no dental for me and DH.
The next expensive one has a bit of ER coverage and a bit better copay, but still the $12,000 deductible an no dental for me and DH.
I have contacted United Healthcare and they say they can keep their lower premium plans until 2014, but the reviews I have read on them are not good.
I am so confused and don't know what to do. Any help would be great.
Answer by NotPanicking at 4:49 PM on Oct. 23, 2013
Call an Insurance Broker & see what is your best option. To save money try to get a separate dental plan like EDP.
Answer by ILovemyPaulie at 5:33 PM on Oct. 23, 2013
Answer by NotPanicking at 5:58 PM on Oct. 23, 2013
Answer by Ballad at 8:24 PM on Oct. 23, 2013
It's really hard to find a good deal on health insurance especially if you are under the budget. Individual coverage could be your best shot as you can't really save on family plan these days. Recently, I opted for indemnity health insurance as it seems okay for me.
Answer by thequest at 8:01 AM on Oct. 28, 2013
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