-I am currently looking for health insurance and I need as many different answers as possible so I can look to see which insurance plan would best fit me. Company names and some pro's and con's would be great. let me know what worked and what didn't work for you. I am also on a very tight budget so if it's going to put me in the poorhouse let me know! Thanks so much! =)
age- 19
Sex-female
State- New HampshireWhat you're looking for, is called a "local independent broker" who can explain what the coverages are, and why whatever is already wrong, won't be covered under this new policy you're getting. They can also help find a company willing to cover you, even though you already have something wrong.
Obviously, "do it yourself" insurance isn't going to work for you.
Regarding the price, let me tell you what it's going to cost - if you're not overweight, not pregnant, and have nothing wrong, a comprehensive no- deductible plan without maternity benefits, would run you around $250 a month. That's the price. You can get that under $100 a month, just barely, if you're willing to pay the first $3,000 in doctor bills, every year. If you're already healthy.
You don't do the shopping on your own and you don't do it here. You look for a health insurance broker that does business in your state. They will present you with all of the plans available to you, explain them, help you apply and they'll help you with billing and claims issues later.
So, you're not looking for health insurance....you're looking for a good health insurance broker. They'll do the rest..AND they're free to use. Remember...you shop for a broker...the broker shops for the health insurance. Going direct is not what educated consumers do because they no it puts them at a disadvantage and saves them no money.
Anthem Blue Cross and Blue Shield of NH has policies ranging from approximately $130 per month to approximately $210 per month for a 19-year-old female.
You need to meet with an independent broker that represents many companies and discuss your needs and financial limitations. He/She will find the best policy for you.
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