Tuesday, December 21, 2010

Does any one know of any good health insurance companies with low rates?

I reside in atlanta Ga and I am in need of health insurance but I'm on a budget. Please help? Only seriouse inquiries please
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i do not know of any reasonable full coverage rates. i looked into it and i do not think that i would spend enough money to get back what i paid out in premiums. UNLESS some unforseen medical bill , such as unplanned surgery or a heart attack or something happened. the agent advised me that it is less expensive to get insurance coverage just for major medical . example of how they explained that worked is that major medical insurance plans don't pay for routine office visits , like you get sick with a flu. they don't help with insurance prescription antibiotics. if you have a sudden appedectomy and have a 20 thousand dollar hospital bill then they would pay because it's a major medical bill. i was also advised that you can set up bank insurance accounts / think it might have been called flexible spending account. you can set aside what your forcasted out of pocket medical/dental expenses would be for a year and contribute to the account and you do not pay tax on it. it has a pre tax value of roughly 30 percent. the problem with this is that if you do not use the full money / you lose it. probably want to underbudget for your forcasted annual medical expenses rather than overbudget ? Hope it helps and that you find a good insurance plan or a part time job that offers health insurance assuming you and able to work. Take care.
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