Seeking a Good Health Insurance Plan

Updated on June 08, 2008
L.S. asks from Kimberly, WI
10 answers

I am looking to switch Health Insurance. I currently have Anthem Blue Cross, but I am not happy with them since they took over. They completely changed my plan without my knowledge and so routine visits are no longer covered. I did some searching on the internet. Also got a call from someone from Health Market. Anyone heard of or use them??? Any other advice would be good. I am looking for a family plan or one that covers me and my daughter. I don't have any major health concerns so I am looking for prevenattive visits covered. Thanks

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answers from Milwaukee on

Here is the contact info for Pro Insurance.

When you call ask to talk to Rich Fuchs II and tell him that we sent you to him. (Tom & Kathy Wentland)

He knows us very well.

Please contact them from 8:00am - 5:00pm CST Monday through Friday

PRO Insurance Managers, Inc.
209 West 135th Street
Kansas City, MO 64145-1201

Mailing Address
P.O. Box 480707
Kansas City, MO 64148-0707

Toll Free
877-CALL-PRO (877-225-5776)

Direct Dial


General Information, Sales & Support

1 mom found this helpful


answers from Minneapolis on

Hi. I have Health Partners Individual Plan. It is like most insurance you would get through an employer - they have a deductable and an out of pocket maximum each year and preventative office visits (like prenatal and well-child) are covered 100%. Like you, I had no health issues when I began with this insurance, but have since had one major surgery and two children and I have never had a problem with them refusing treatment or billing me inappropriately. I don't know how they compare with premiums of other individual health insurance anymore (they were competitive when I was looking into it years ago), but I will continue with them because I feel confident they will cover me as needed. Good luck!

1 mom found this helpful


answers from Minneapolis on

Hi L.,

We have a private insurance plan through BCBS MN. Our plan is actually a high deductible plan with a health savings account. It works great if you have the money to put into the health savings account.

There are so many options out there. I would recommend working with a broker. A broker will work with you to figure out the best fit and walk you through all the details of the plan- it can be confusing! You shouldn't have to pay the broker, they get paid by the insurance company when you sign up for a plan.

If you are in MPLS area, I could refer you to the broker we work with. He's a good guy and not your typical "insurance salesman"- although he is :)



answers from Sheboygan on

Hi L.!

Do you have a dental plan? If you do not, please let me know as I work with the largest discount health and dental provider in the nation. I can help you figure out if we have providers in your area and if it would be worth it for you to check out our plans. It's $19.95/mo for your entire household and you also get vision, Rx, & chiropractic discounts. We do have health plans, but they are discount plans, and not insurance, so nothing is ever covered 100%.

Let me know if you want more info:) My husband is self-employed and I've gone through the same thing you are dealing with several times!!! I wish you the best!!




answers from Eau Claire on


I would recommend getting an independent agent. It does not cost you anything. They make their money from the insurance companies. They will do all the research and leg work dealing directly with the insurance companies.

We filled out one application and our insurance agent used that to shop around to many different companies. We were with BCBS for 7 years until we couldn't take their rate hikes anymore. We switched to Medica as they were very, very competitive. Great company.

So here is an agents number for you. He is in Eau Claire and he specializes in situations like yours - induviduals to small groups.

Mark Miller

Tell him A. told you to give him a call.



answers from Milwaukee on

Hi L.,
I know this is a month overdue, but I just wanted to make sure you had the information anyway!! Please write or e-mail back if you are interested!

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Combines Dental Plus
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Dear L.,

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answers from Minneapolis on

My family purchases our insurance through an "agent". He is a family friend and usually works with small businesses. I'm sure any business is good (for him).
He directed us to Preferred One. It is a high deductible plan; and we use a health savings plan. We have been very happy with Preferred One and the coverage we receive.
If you'd like more details feel free to contact me.



answers from Milwaukee on

Hi L.:
My hubby and I are both self-employed and have had to purchase our own health insurance for years. We've had all the major ones, some good, some bad and paid lots of $ in premiums. Anyway, we recently met with an insurance agent and he introduced us to American Community and it cut our monthly premium in half and we've been really happy with it so far. I had never heard of this ins company before but after doing some research, they've been around forever. If you'd like his name, contact me at at I'll give you his name and #. It's worth a shot.



answers from Sioux City on

Hi L.,
We have a private insurance policy since the company my husband works for does not offer health insurance. We have Alliance Select from Blue Cross Blue sheild, we purchased it through our local Farm Beauru. We pay dearly for it but the insurance is outstanding. It's a 90/10, copays are $15, and you don't have to pay copays for well child checkups or yearly appointments up to $500 per year. Basically I never have to pay anything more then a copay unless I go to the hospital. Occasionaly a $10 or $20 lab bill I might get but thats only happened twice I think in 4 years.
Everytime I go to a different doctor I am always told "you have great insurance". One insurance coordinator at my OBGYN told me that this is one of the best insurance plans out there, but like I said we do pay dearly for it. Both of us are in good health as well as my two kids but the thing that makes it more is that we have maternity coverage because were not sure if we're done having kids so maybe it wouldn't be so bad if you don't need that.
Hope this helps!



answers from Madison on

I would check with Unity Health Insurance - they have great and affordable individual health insurance policies. You can contact Jodi Kittleson at 800-362-3308.

Good luck!!

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