what's the best health insurance plan for a healthy, single male age 24?

to see a dermatologist, considering a hyperhidrosis surgery (for sweaty palms), and aching back, you know.. stuff like that.
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Hmmm...well if you TELL the insurance company you are taking out an individual policy JUST so you can have insurance to cover a surgery, you'll be rejected for coverage. If you don't tell them what your intentions are, and have the surgery before the 3-month probationary period, your coverage will be dropped. That is, if the surgery is actually covered under an individual policy. What you are describing is an elective surgery, and 99% of the time, individual insurance will not cover such an expense. You better read your policy carefully before you proceed! But, for the fun of it, let's say the insurance company DOES cover the expense of elective surgery, and you are a good boy and wait the 3-months required BEFORE you see a doctor about the condition (which you must do if you think the insurance will cover the expense). Here's what will happen: Your surgery will get reported to the MIB. Don't know what that is? Find out here: http://www.health-insurance-low-cost.net… Next, your renewal time will increase in DIRECT proportion to the cost the insurance carrier had to dole out on the surgery. Finally, if you decide to drop the carrier because they increased your rate, good luck finding another plan. Because individual carriers, unlike group carriers, carry a database on what your "pre-existing" conditions are. Then you will forever be labelled as having that condition, and it will be very difficult to get covered. People tend to forget that insurance companies are businesses first and foremost. They are interested in making money. They are not particularly interested in covering your medical expenses. If you go into taking out an individual plan thinking it's free money...well, think again. Your best bet on insurance, if you are wishing to have these conditions covered, is to get a good job with a government or large employer, where you will qualify for group health coverage. But be prepared that even group health does not cover elective procedures. And "sweaty palm" surgery is most likely an elective process which will not be covered.
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