I’m looking for no copays, reasonable prices, and a sizable yearly maximum. Finding insurance is difficult in the US. I’m not sure if it matters, but insurance valid in PA is what I’m looking for.
What is the best medical, dental, and vision insurance policy/company to go with?
byu/Secret_Driver5196 inInsurance
Posted by Secret_Driver5196
3 Comments
Depends on what’s wrong with you and how old you are. Since you didn’t provide any information at all, there is no answer to your question.
If you were to provide a complete list of all your current ailments, all of the medications you take, all of your specific demographics that impact your health, all the information on your income, a complete list of the medical providers you currently use if you care about continuing to be able to use them, and lots of other information, then still no one on this sub would be able to tell you what’s best for you.
Unfortunately, you have to do the legwork. That means you have to get all the coverage summaries, all the network information, all the coinsurance and deductible and out-of-pocket information, and then you have to sit down, organize it, and compare all the details.
And even then all you have is a comparison based on some marketing documents rather than the actual policies which can run into the hundreds of pages.
There’s really no shortcut. Anyone who tells you otherwise is just trying to sell you what they have to offer.
You typically can’t just randomly shop your medical insurance (at least real ACA compliant health ins) whenever you want. You probably need to do this during open enrollment but you’ll educate yourself on all this once you start researching.