What is an affordable health insurance plan that will include mental health coverage and prescriptions?
Question:
Answers:
You'll want to visit a local independent agent to see what plans are available in your area. Because of state laws plans may be different in different states even within the same company.
Many plans do not cover or have limited coverage for mental health so you want to make sure you get on a plan that has what you want. The agent will be able to compare the many different plans to find the best for your situation and budget. They don't charge you any extra for the service.
Do not try to do this over the internet. It'll take you several days to intelligently compare all the plans available. Also, if you have any pre-existing conditions that might add a rider to the policy or cause you to be declined or if you are out of the height and weight guidelines you won't know until you've applied and gone through the underwriting process. The agent should be able to find a plan in an hour or two.
You may get answers here concerning medical discount cards. Be very wary of these cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes... for more information. Many other states are starting to ban these cards as well.
Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.
Panda.com http://unaesthetic.net/stuff/panda.jpg...
please try this
<a href="http://www.anrdoezrs.net/click-1748196-1... target="_top">help!</a>
More Questions & Answers...