Insurance FAQ
 

What Are The Best/ Cheapest Private Health Insurance Providers In Wisconsin?

23 yr old male, good health
medical, dental, and vision plans?
Thanks!


Answer: Best / Cheapest are opposing goals. When you are paying the premiums you want the cheapest plan you can get. But if your health falters you want the finest coverage money can buy. As everything else in life you can't have both simultaneousy.

Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company.

If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, optional dental and vision plans as well as low deductibles and low copays your monthly premiums will
 
 

If Private Parcel Companies Can Compete With The Government Why Not Private Insurance Providers?

I hear conservative boo hooing 24 hours a day about how a government run public healthcare plan will make it too hard for private industry to compete, yet i see loads of parcel companies (like UPS, DHL, FedEx, etc.) holding their holding their own against the United States Postal Service!

so whats the big deal? is it possible that republicans are afriad a country for the people by ethe people will choose the better deal given by the governement in a free market? or that their lobbying


Answer: Good point. The USPS getting competition from private firms like Fed-X and UPS has worked. Assuming the reverse is true, US Gov't backed insurance could add competitive pressure that keeps private health insurers from a virtual monopoly. Gov't insurance might require a tax increase, but you employer won't have carry huge expensive health insurance plans that make it impossible to hire people.

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IF 0bamacare Was To Pass, When Would The Last Private Provider Cease Providing Insurance?

Despite 0bama's outrageous claim of providing "competition" for private insurance companies, anyone with watermelon-level IQ (except maybe libs) can see that a profit making company cannot compete with a non profit organization, and especially a GOVERNMENT run operation, who can simply run deficits or print money.

If 0bmacare passes, how long will the private insurance companies last?


Answer: They will always be there. And why is it so outrageous to want the insurance companies to have competition>* The insurance companies now want you to pay 30 cents on every dollar of care claimed. Think about it $10,000 and you have to pay 30cents on every dollar of that $10,000. If your hospital bill is higher----------------30 cents on every dollar of that bill.*

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Documentation From Private Insurance Carriers Sent To Participting Providers That Accompanies Payment?

and describes the repsonse to a claim is referred to by the acronym


Answer: EOB

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What Would Be The Best Way To Find A Good Private Insurance Provider? Thinking About Switching My Provider....

i am not sure which companies to check with. Humana, blue cross blue shield, ?? please help :) thanks


Answer: The best way is to go to a local, independent agent. They have a real office if you have a problem; they're familiar with your local marketplace, and know who is most competitive; and they know which companies don't have very many providers in your area.

I'm sure you'll get offers for "health discount plans" from this question. They are USUALLY a bad deal, and most people end up HATING them, because despite what's claimed, MOST providers won't take them.

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