Looking for Health Insurance - Dallas,TX

You should do your homework before you signup for any insurace policy, 90% doesn't offer any coverage for what's important. I am an insurance broker, I represent more than 20 carriers, however I only recommend about 4 of them due to how poor the others are in what they cover. I have pasted below 2 links, one to a CBS news report called "HAZZARDOUS HEALTH PLAN" and the second is a Consumer Reports Study called "7 Signs Your Health Plan Might Be JUNK"!I have listed below several of the companies that have contain some or all the 7 signs mentioned in the article. We have over 50 years of experience in Private Health Care, we are experts at what we do. Were happy to help you, if you choose to go it alone do your homework. Most Plans offered are JUNK plans. please review the material on the links and avoid at all cost the below mentioned companies, they offer you HUGE financial exposure when you need them to pay claims. They have NO catastrophic protection in them to cover the big medical issues that seem to always catch us by surprise. You can also take the advice of the lady who reffered Greg Hammons, he and I work together, he just like I will shoot it to you straight, no games or gimics with us.

http://www.consumerreports.org/health/insurance/health-in...
http://www.cbsnews.com/stories/2009/04/06/earlyshow/healt...

Blue Cross Blue Shield

Aetna

Unicare

Humana

Celtic

Standard

Coventry One

MEGA

Companion

American National

Fidelity

Cigna

Assurant

Sincerely,
G.

2 moms found this helpful

I had to do a lot of research a while back and bluecross/blueshield is what I ended up choosing. There are others that are less expensive but BC/BS had better coverage...the only thing missing was maternity. If you are not needing "full"coverage for yourself, I would still try to go with them for your daughter and then find someone that does hospital emergency/accidental only for you.

1 mom found this helpful

Insurance coverage is best, if you can afford it and it covers what you need covered. But if you can't afford it or you are disqualified due to a pre-existing condition, I recommend AmeriPlan, which is a discount health plan. For only $39.95/month you can get substantial discounts (up to 80% off the usual fee) in dental, vision, prescription drugs, doctor visits, hospitalization, x-rays, lab; all specialities. You can obtain a dental plan only for you alone for as little as $14.95. It will save you a great deal of money. For more info visit www.DNShealth.net . You can call me if you have any questions: N. ###-###-####. Best wishes to you! ~ N.

1 mom found this helpful

One of my girls is on BCBS and the other is on Unicare. The one on Unicare rarely, if ever, gets sick. The issue with Unicare is that you have to call and get pre-authorization for everything, which could be a pain. Unicare started as the cheaper company, but in two and a half years, my daughter's premium has at least doubled. My daughter on BCBS has some medical issues and they cover a lot. Her deductible started out $30 higher than Unicare. However, right now it is $23 cheaper. All-in-all, I am going to switch my other daughter over to BCBS to save money and a headache of pre-authorizations, if necessary. Hope this helps. I have an authorized insurance agent who we went through. He explains what everyone covers and gives multiple quotes. He is really good and it is at no cost to you. The insurnace companies pay him basically a referral fee. He basically tells you the facts and you choose. Tell him S. Rosson referred you if you call. His name is Rhett Schack and his number is ###-###-####. He really is good and it cuts out all of the time you spend searching.

1 mom found this helpful

Good luck - Insurance can be tough. I've always had insurance through my company, but my experience has been Cigna is awful. I had to send multiple appeal letters to get things approved. They made me jump through hoops.

I've had great experience with both United and BCBS. Good luck.

1 mom found this helpful

Email Greg Hammons with Southwest Health and Life -- he KNOWS what he is doing , has almost 30 years experience and ROCKS! his email is ____@____.com tell him you got his info from E. Herman -- he will take care of you and explain things incredibly!

E. Herman
Cornerstone Chem-Dry
###-###-####
____@____.com
www.co2cleaners.com

1 mom found this helpful

I have researched a few companies looking for a lower rate. We have BCBS and I have not found any other company that can offer as much as BCBS.

1 mom found this helpful

my husband is in insurance and I know he has some awesome coverage plans for very little money thru big companies like Assurant and Mutual of Omaha. Can he contact you to see if he can help?

Give this gentleman a call:

Mr. Clark Good
Affordable Health Insurance
###-###-####
____@____.com

Tell him C. sent ya-

Since you are a single mother you might qualify for CHIP. Check out this site http://www.chipmedicaid.com/english/index.htm

Hello! I know the search for health insurance is confusing and overwhelming at times. That is why I would recommend you work with an experienced, licensed insurance agent, preferably someone who frequently works with individuals. If you email me, I will help you find something to fit your needs. I am licensed in Texas, am an independent agent in Texas. I hope to hear from you. Good Luck! S.

My girls and I are on Unicare. They have a lot of affordable options.

Give Cigna, Aetna, Humana, United, HealthSmart, BeechStreet or MultiPlan a call. They have low premiums and I think you will be surprised of the cost. They a excellant healthcare companies. Goodluck. And make sure your currant doctors office will take your new healthcare carrier.

A.

Have you considered CHIPS? When I got laid off last December I applied for Medicaid for me (I am pregnant) and my 3 children. My husband is working so we only qualified for pregnancy Medicaid, not for the children. However the Medicaid office referred me to CHIPS, since we did qualify for it. The Medicaid office helped me with enrollment and it is super cheap, with good coverage. It is actually cheaper than having insurance through my former employer.
Just a suggestion. Hope it helps.

I have recently had to get health insurance for my son and I. The web site www.ehealthinsurance.com is great for finding the right plan and has good companies with some low premiums.

Hey~

State Farm Insurance actually offers great health plans with a variety of options to choose from. I have a friend who was recently shopping for health insurance for her family due to her husband losing his job and State Farm was able to send them aover $200/month. Just call an Agent in your area and they should be able to help you out. Enjoy the rest of your weekend!

Hey, My husband sells health insurance he woud love to give you a no obligation quote. We have found it to be very reasonble and some policies come with a cash benefit! GIve him a call Jerel Curtis ###-###-####

Good Luck to you,
T.