Does anyone know what some good health insurance companies offer and how they work?

What are some good health insurance companies? Good meaning good coverage low deductible nothing shady, or in the small print that is kind of dishonest not expensive for a college student ? does the deductible include the monthly insurance premium? Do health insurance companies ever allow a person to have a policy through their company as well as a policy through another company? Are there any reasons you may be denied the insurance?
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There are many good companies, and with health insurance you get what you pay for. When you shop for a new car you have a choice between the basic low end model with no options, a fully loaded luxury car, or something in between. Health insurance is the same. Most companies have several plans from the basic to the comprehensive. Each plan will have a variety of deductible choices which can range from $0 up to $10,000. If you shop for the cheapest you'll get the basic low end model which may or may not have the benefits and coverage you are looking for. Some colleges have policies available, you can try there first to see what options you have. The deductible does not include the premium, however, with most plans you do not have to meet the deductible before you get the doctor visits or prescriptions for the co-pay. You can have two policies but they don't pay twice. One will be the primary policy and will pay first. The second will be the secondary policy and MAY or MAY NOT pay the deductible and co-pays. Usually it is not cost effective to have two policies. Yes, you can be denied if you have a pre-existing condition or if you are over the height and weight guidelines. Depending on the pre-existing condition you might be accepted but that condition won't be covered. Visit a local agent that works with all the major companies in your area. The agent can find the best plan for your situation and budget and can explain what you get and, more importantly, what you won't get with the plan. There is no extra charge using an agent. Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed nor insured. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn't find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
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