How can I pick the right health insurance for my needs?

I am going to have to start paying for health insurance on my own for the first time and I am very confused by all the choices. I'd like to pay somewhere in the $80-85 range for premiums without having a ridiculous coinsurance rate as I don't have much more than that to spend per month, but how can I tell if the plan is going to afford me sufficient coverage?
nolabels
Asked Jul 05, 2010
You will make out better if you look at insurance as a hedge against financial disaster rather than having insurance pay all of your medical bills. Unless you have a pre existing condition, you are in a very low risk range at your age. You would have to require medical attention considerably more often than the average person to make the low coinsurance a better choice.

No question it is aggravating to pay so much for insurance and then have to pay medical bills on top of that but your total payout over a long time will be less with a high copay.

I would contact three insurance companies you believe to be reliable and ask what you can get for $80. Do it online. If you go through a local agent it will likely cost more.
Rob
Answered Jul 06, 2010
Edited Jul 06, 2010
Reliance provide a best health insurance for people.They satisfy their customer needs.
visit:https://www.reliancegeneral.co.in/Insurance/Health-Insurance/Health-Gain-Insurance.aspx
reliancegeneral
Answered Dec 19, 2015
There are 4 categories of health insurance plans: Bronze, Silver, Gold, and Platinum. These categories show how you and your plan share costs. Plan categories have nothing to do with a quality of care. You pay a monthly bill to your insurance company (a "premium"), even if you don’t use medical services that month. You pay out-of-pocket costs, including a deductible, when you get care. You can also get the insurance policies from Rais Insurance.
ranjitrai
Answered Mar 18, 2016
Choosing a health insurance plan can be complicated. Knowing just a few things before you compare plans can make it simpler.

The 4 “metal” categories: There are 4 categories of health insurance plans: Bronze, Silver, Gold, and Platinum. These categories show how you and your plan share costs. Plan categories have nothing to do with the quality of care.

Your total costs for health care: You pay a monthly bill to your insurance company (a "premium"), even if you don’t use medical services that month. You pay out-of-pocket costs, including a deductible, when you get care. It’s important to think about both kinds of costs when shopping for a plan.

Plan and network types — HMO, PPO, POS, and EPO: Some plan types allow you to use almost any doctor or healthcare facility. Others limit your choices or charge you more if you use providers outside their network.
To know more about health insurance plans click here
http://www.medimanage.com/inquiry.aspx
DigiInsurance
Answered Jul 11, 2018

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