O.K. - I'm hoping someone has some suggestions. I work per diem, which means I get no benefits. Which is fine, except I need to find some good but reasonably priced medical, dental, vision and prescription coverage for myself.
I've tried looking everywhere, but I swear all the agents I speak with make my skin crawl. They are like sleazy used-car dealers. I just know I'm being taken advantage of but don't know how to find insurance through 'normal' agents.
All I want is basic coverage and what most of them try to push is this 'catastrophic' coverage where my deductible is $5,000. What!???! Don't they listen?
I'm going crazy folks! Any ideas? Thanks in advance.
Sep 14, '06
Insurance is regulated by state, so what one person here says works for them probably won't apply in your state. The policies are totally different by state. I'd check out your state department of insurance or insurance commissioner's website. Usually they will list the companies offering individual health insurance and also the companies' complaint ratios from consumers. Sometimes the best coverage available isn't through agents or brokers. For example, in some states Blue Cross Blue Shield is only available direct, not through at agent. Good luck. Health insurance in these Untied States is a trainwreck.
Last edit by Multicollinearity on Apr 7, '08
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