Be-Well Information

Okay, assume we agree that sensible living is the major ingredient to being healthy. And include us among the good guys/gals who accept responsibility for our own health. Even so, Mother Nature or accidents can throw us a big surprise from time to time, so that we really do need help. That’s where health insurance comes in.

In the good old days, employers did a lot to provide health coverage. (The bad old days before that had everyone fending for him/her self, or relying on family, neighbors, charities.) In these times of shrinking economy, not everyone who wants a job has one. Employers don’t always provide full health coverage. Individuals might have a hard time paying for partial or full medical benefits.

The USA is talking about health insurance for all, and one state (Massachusetts) has taken a stab at it. For the rest of us, here are some of the better looking insurers.

Keep in mind that not only the coverage plans can vary between companies, but the prices for similar plans can differ with company, your location, and how a company analyses your particular actuarial data. So shop around.

Qualified Health:
The site offers plans for such areas as Dental, Hearing, Vision, Patient Support, Mail Order Pharmacy, Prescription Drugs, Alternative Medicine, Chiropractor. Their plans for Accident Medical Expense Benefit and Accidental Death & Dismemberment seem limited in amount.

Hometown Quotes:
They represent many of the major insurance companies, for not only individual and group Health, but also Life, Auto, Homeowners,and Renters Insurance. Some insurance companies offer preferred rate for families and for multiple coverage types, so as this when you request quotes.

DentalPlans.com is a network with offerings for individuals, families, groups, and dentists.

Avia Dental offers Dental, Vision AND Prescription Discount Plans.

All-Care Advantage Dental Group is a national network bring dentists and clients together for discount prices.

Health Vip Gateway offers Aetna Dental Access, a discount or reduced-fee dental program. So why isn’t the site called
Aetna Dental Access? After all, Aetna is a well known insurer for Health, Dental, Pharmacy, Group Life and Disability.

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You might want to consult A.M. Best Company for ratings on the strengths of insurance companies. However, the three major companies for rating stocks and bonds did an absolutely incompetent job at protecting us from the recent world-wide financial crash. Fitch Ratings, Moodys.com, Standard and Poor’s.

National Public Radio had a great show about this on June 5 2009, “The Watchmen.”