Just wondering about Bluecross/Blueshield. I would also need short-term disability and long term as well. Any suggestions?
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There are 50 different BC/BS plans, one in each state, so it totally depends on what state you are talking about. In my state, its a pretty good plan with decent prices, but in other states it is really not that good. So, it completely depends. If you are moving away from an employer sponsored health plan where the employer subsidizes your premiums and you are headed into an individual plan, be prepared for a very large price increase. And it is a very very good idea to get both ST and LT disability policies, if you can afford them. They are relatively inexpensive compared to what you have to lose in income if you become disabled.
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