If you’re shopping around for health insurance are many numerous companies out there that you can look at. From Blue Cross and Blue Shield to Aetna and many others. Be sure and look into everything because a lower-priced health insurance may not necessarily mean it’s a better deal.
Health insurance consists of many different parts like premiums, additional premiums, final premiums, risk categories, deductibles, in care versus out care providers, hospital care, emergency care, etc. Some cover brand-name pharmaceuticals or prescription drugs and others don’t. Some will offer you will or no co-pay for doctors visits while others don’t have this.
Each plan itself has to be looked at and viewed and compared to the other plans even within the same company. This is why in the long run we need to go with a nationwide coverage plan like they have in Canada and in Europe. How are people that work and have two jobs and kids to care for when they come home supposed to have the time to be able to look through their health insurance and figure this stuff all out. Plus these things can change.
I found this out when I was with Aetna. They decided that my wife was a bigger risk than she really was for absolutely no reason and charged us an extra $345 a month because of this. That’s what we call corporate greed. They were just trying to increase their profits that’s all. My wife had submitted no claims and there was nothing wrong with her but they decided for whatever reason to move her from risk category A to risk category B.
so we immediately left Aetna and one with Blue Cross and Blue Shield and had a much better plan and left my wife in the risk category A where she belonged. Switching to Blue Cross and Blue Shield actually saved us $365 a month! We told the people of Blue Cross and Blue Shield what Aetna did they said they were hearing this quite often and that lots of people that were previously covered by Aetna were switching to Blue Cross and Blue Shield.
If you pay for your own health insurance or if you have a choice I would definitely review your policy especially if it is with Aetna health and life insurance company. You may end up saving hundreds of dollars each month like we did just by switching to Blue Cross and Blue Shield.