Well, we got the renewal notice for our insurance company and what renewal would be complete without a rate increase. Oh no, here we go again having to start back at step one and compare insurance companies, plans and prices.
President Bush wants Americans to become more involved in their own healthcare choices, but honestly the headaches (and wallet aches) that I have gone through in the past few years being self employed and dealing with our health insurance I wouldn’t wish on my worst enemy. The most difficult aspect of choosing health insurance companies is that you can’t compare apples to apples. Each has their own benefit definitions and limits. What is covered by one, is not covered by another. I have to do complex Excel charts to try and even everything out and that still doesn’t work 100%.
Many of you might ask, Why don’t you let an insurance agent help you? The funny thing is that most of the time, I am educating the agent instead of the other way around. Insurance agents are good at sales not at health plan details. I wish it weren’t so, but that’s been my experience.
One site that has been somewhat of a help is EhealthInsurance.com, but that is just a starting point. Many plans aren’t included, but it does have a good compare feature for the plans that are included. One thing that is helpful when making health insurance decisions is to know what your state regulations are too. For example in Georgia, all immunizations and preventative health screening for children have to be covered by insurance from day one and not subject to a deductible.