Comments on: What is the BEST (not necessarily cheapest) Health, Dental, Vision & Prescription Plan?

By: zippythejessi

zippythejessi — Fri, 05 Mar 2010 19:32:59 +0000

That’s totally an unanswerable question. There is no such thing as a universal "BEST" plan. It’s all dependent on your individual needs. What plan works best for me may not be the best choice for you.

My advice – research a few plans on your own and pick the one that suits your needs.
References :

By: Rick

Rick — Fri, 05 Mar 2010 19:11:59 +0000

If cost is of no concern I would recommend a Health Savings Account (HSA) Qualified plan.

1) $1,100 Deductible
2) $1,100 Max Out of Pocket
3) Rx Coverage is 100% after deductible
4) 100% Preventative / Wellness @ no cost to insured
5) Fund $2,850 into HSA
6) Gain additional $2,850 in tax deductions
7) Even if you exhaust your $1,100 deductible you have $1,750 left in your HSA to roll to next year
Can pay for dental co-pays with HSA tax free
9) Can pay for vision exams and materials tax free

I can go on and on – keep in mind its not the best "carrier" or "plan" its the provider network and plan design that make the best policy.

Use a local broker/agent to help you select the best plan for your area and make sure he/she offers you a PPO that gives you access to a nationwide network of doctors and hosptials.

Hope this helps!
References :
http://www.KnoxAssociates.net

By: mbrcatz17

mbrcatz17 — Fri, 05 Mar 2010 19:05:59 +0000

There isn’t one that does it all. There isn’t one, also, that writes in all STATES.

Wait a second, in rereading the wording . . . you’re not specifying that you want INSURANCE. You might be looking for a DISCOUNT plan (which I think is a big ripoff).

anyway, plan costs vary within a company, and they vary state to state, and coverages vary state to state and within a plan, so it’s IMPOSSIBLE to compare accurately.

Sorry.

You’ll have to go to a local, independent agent who can compare LOCAL plans for you, and help you make that decision.
References :
agent, 21+ years

By: JANET S

JANET S — Fri, 05 Mar 2010 18:52:59 +0000

I have Blue Shield and find it to be one of the best plans I have had. They also have a good copay on prescriptions. If you fill your generic presciptions at Wal-Mart, you will not pay more than $5 for your generic medication. It is Wal-Mart’s policy not to charge more than $5 for generic drugs. They are also the most reasonable for name brand drugs, charging less than Blue Shield will pay. I also have Delta Dental, which pays about half of the dental cost. Though some vision is included in Blue Shield’s plan, I have vision quest. You pay $35 and get an exam, and if you need glasses they pay for the glasses with limited frames to chose from.

It is better to associate with a group plan, as medical insurance is very costly. For me alone, it costs over $400 per month. If my retirement system did not pay this cost, I would not be able to afford it.
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By: Kristin W

Kristin W — Fri, 05 Mar 2010 18:16:59 +0000

Humana and Blue Cross We have had some really sucky insurance before and Humana is the best. They cover alot and co pays are reasonable.
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