Friday, March 13, 2009

All Health Insurance Plans Are Not Created Equal

What is important to you when looking for your health insurance?? I work with almost every carrier, Blue Cross, Blue Shield of Illinos, American Community, Aetna, United Health Care and Guarantee Trust Life to name just a few.
I find it interesting while are are about the same, they all have their differences. When looking for a policy the price is only part of the equation. Some cover some pre-existing conditions, some exclude all pre-existings, some with exclude the pre-existing, but still pay for the medications. So if you have any pre-exisitings, these are things I can help my clients research.
American Community, will waive your deductible for an injury or an accident if treatment is taken care of within 30 days of the injury. United Health Care has an enhancement rider to cover some injuries.

Prescription coverage varies, not only from company to company, but plan to plan. Blue Cross,Blue Shield of Illinos, the coverage on prescriptions also varies by what deductible you choose. Some companies only cover generic drugs.

Some plans cover only catestrophic losses, while others cover doctor visits with a co-pay. Many only cover doctor visits after you pay the deductible. Often times there are limits to how much is covered at a doctor visit or a limit on number of visits to the doctors office.

There is a lot to know or to consider when searching for a health insurance plan for your family. My job is to assist you in finding the one that is right for you.

Eric Wilson is a health insurance broker, covering the midwest. He can be reached toll free at 888-448-5370. You can visit him online at