The health insurance you
-- just a few years ago -- may be woefully
out of date for your family's current needs.
The High Cost of Insurance
Do you remember that old saying, a penny saved is a penny earned? That's
not true any longer. For example, Saving a thousand dollars on your health insurance is
TWICE AS GOOD as earning a thousand dollars - any day of the week. Let
me show you what I mean:
Let's say you fill out the form over there on the left and you save a sum.. say, $1,000 for convenience sake. Nobody but your family and the bank sees any difference. But, You now have an extra $1,000 for groceries, clothes, gasoline, or whatever you really need right now. Got that figure down on paper?
Here we go now with making money. Your boss says, "Annie, work an extra 50 hours this month. I'll pay you $1,000. Your boss has that stupid look in his eye again so you gulp and plug on. Because you work longer hours now you are tired and grouchy. Can't be helped. Since you can't be at home while working you have to pay the babysitter more money. Can't be helped.
Because you earned an extra $1,000 this month your social security donation goes up. Can't be helped. Between National, State and local taxes you will also pay out 46% of that $1,000 bonus. Which is better, $497 for working more than you want to, or $1,000 for being smart? Your pillow thinks so too.
SAVE MONEY on ALL your car, truck, van, health and home, insurance needs. Another 847 ways of saving money are published on this web site. Look HERE for proof.
Use Our List Of Direct Links To Access The Best Insurance Companies on the web. Not only will you learn a lot more about health insurance, you will also learn how to evaluate the best bargains available in health insurance. Click on the first letter of the company name.
Choose The Best Power Providers
AETNA our toll free number is: 1 800 USAETNA (872-3862) for the U.S. and Canada regions only, and 1 860-273-0123 for all other areas. AETNA is one of the nation's leading providers of health care, dental, pharmacy, group life, disability and long-term care products, serving more than 13.0 million medical members, 11.3 million dental members and 11.7 million group insurance customers, as of June 30, 2003. The company has expansive nationwide networks of more than 579,000 health care services providers, including nearly 349,000 primary care and specialist physicians and 3,589 hospitals.
AFLAC -- American
to find any insurance company
AON Corporation Group has built broad global resources to create innovative solutions in insurance and risk management, human capital consulting, and insurance underwriting to help clients. Our name is Gaelic for "oneness." We live by our name by bringing together top professionals who work across hundreds of disciplines in a seamless, integrated fashion designed to serve our clients in the most custom-tailored manner possible, virtually anywhere in the world. This focus and dedication has made us a world leader within our industry.
Arbella Insurance is for Connecticut, Massachusetts, New Hampshire, Rhode Island and Vermont.
AscentAssurance wants to protect its customers from financial hardship due to unforeseen illness or injury. Simply stated, we provide peace of mind in keeping the promise of financial protection afforded by our insurance coverages.
AultCare With our long-standing relationship with the Aultman Health Foundation and Stark Quality Care Physicians, we are the largest hospital-based PPO in northeast Ohio.
big-hearted insurance companies are known to ask a
lot of questions before they even think about
changing your status to "Insured."
They want to know whom they are dealing with. They'd like to know if you are honest, healthy, and have a good sense of humor. Turn About is Fair Play. Before you put your autograph on the dotted line you want to know if the company guaranteeing your future is honest, healthy, and standing securely on a ton of concrete.
There are rating companies out there, a dozen or more at least that have earned the public's trust a thousand times over. But somehow ratings don't exactly tell the whole story, or even the right story in some instances. I listen to them, don't get me wrong on that. But my final inspection is always the company web site.
The ones I go look at are already high on my list of favorites. Once I am there I look for things that indicate how warmly they will treat me when I come in battered and bruised in the battles of life.
If I ask a stupid question will I be greeted with stares and scorn? On this page I have listed the web sites of the best health insurance carriers in America. Put the eagle eye on them and study them carefully. Your life may depend on it someday.
You want to ask the little questions too. Every company out there has a "prescription drug program." But you need to look them in the eye and ask: "How much will my prescriptions REALLY cost me?"
I asked that question and the right answer has saved me well, well over $10,000.00. My cost per prescription is a mere $5 for a whole month's supply. That is less than the VA charges and I don't have to stand in line or foam at the mouth to get my prescriptions authorized and filled.
When Marleen brought in my
absolutely essential medicine from the pharmacy
today is a good example of just how important this
"little" question is. When I shivered at how many
times the $5.00 each cost rang up for a month's
supply of life she read a little side note on just
one package to me: "Your Insurance Company has
saved you $291.93
on this order"
Little did I know or suspect at the time of signing on the dotted line that I would suffer a major, crippling stroke, a few weeks later. Most companies have a 30 day waiting period. This one didn't. Coverage started when I signed the app.
My stroke happened less than 30 days later, and I was covered. Doctors were paid, nurses, rooms, tests, and food were all paid. Then the best therapists in the state were put to work in my behalf -- all because we asked that tiny little question -- "How soon am I covered?"
If you have moved recently, if you have slid over into another age bracket, then checking out how well your health is protected is one of the smartest things you can do.
And, like I said.. ASK QUESTIONS!
In this modern age it is easier than ever to save money, real money, on all your insurance needs; just use the tools and links found on this directory.
Competition in the insurance field is so stiff that every day brings new updates, rate changes, and better plans being offered to the public. Making changes to meet the competition is now a way of life in the insurance field. Every month, insurance companies are pounding the air waves with more advertising on radio and television. It is virtually impossible to pass a public television that isn't flashing an ad that very minute that you pass by. Then they are running ads in all the major magazines and in newspapers. Competition is so fierce that now they are invading the web with a sense of urgency. If you have a free mail server like Yahoo, etc. you'll see their ads fluttering and flickering on your screen almost every time you check your mail. If you listen to the ads you'd swear every insurance company in the world can save you money!
Obviously, some of these companies are stretching the truth a little bit, don't you think? In order to claim they are saving money for you maybe they are dropping a few fringe benefits, lowering coverage, slicing off some customer service.For the best bargains in health insurance, I suggest you check out the companies listed on this page. They are the best, forward-looking insurance companies that early on learned how to use the web wisely, and you will save money, BIG MONEY on all your insurance needs when you check them out first.
Benicorp is a group health insurance company. We offer comprehensive fully insured programs to employers with as few as two employees, alternate funded plans to emerging companies. UnitedHealthcare and the state of Indiana, the state where Benicorp is located, are working together to offer quality health care coverage in the easiest possible way. The Indiana Department of Insurance has selected United HealthCare Insurance Company to offer replacement coverage options for Benicorp Insurance Company's employer-based group plans. This will enable us to offer Benicorp customers and their employees a simple, interruption-free transition.
1.85 million people per year file for
because of medical bills.
No insurance -- Not Enough -- the wrong kind
Congress is going to fix this?
Congress has never saved the American People one nickel
The carriers on this page
Professional Liability (E&O)
Like a bolt out of the clear blue sky, Stroke can happen to babies still in the womb, children at school, young adults, and of course, old people, even those who have never been sick a day in their life!
Stroke is terrifying, and extremely expensive. You could spend half a million dollars and still not be half-way cured. It can be deadly, yet most people don't even know what it is. "Something to do with the heart, I think."
Let's get it straight...
Stroke is a brain problem. Stroke is deadly serious. If you (or a loved one) ever do have a stroke, SECONDS WILL COUNT!
You need to already know a lot about what stroke is, and what you
can do about it. This
free book can help!
free book can help!
Please RIGHT Click On The Book
|Blue Cross and Blue Shield Plans provide health care coverage for 74 million people in the 50 states, the District of Columbia and Puerto Rico. This is the highest total enrollment for the Blues since 1987, and represents 26% of the U.S. population.|
|Can you quit smoking? Probably not. Some people try everything, even kicking themselves, and STILL can't quit. For more insight into this stubborn problem, Click HERE.||
Blue Cross/Blue Shield web site helps you find the local plan for your community. |
BlueCross and BlueShield System - Offers online resource for health insurance information, including a nationwide plan finder that locates information about local B.C.B.S. health plans.
|Your long distance telephone service carrier can be changed without you knowing it. Check HERE to see who your carrier really is, and learn how to make sure NOBODY changes it in the future!|
Blue Cross of California - Offers instant quotes, insurance applications, and an agent finder.
Please note: These
health insurance listings and links
are provided FREE of charge If your HEALTH insurance
carrier company is not listed here -- and if it has a web site,
Let us help you catch all the insurance protection you need for the money you are spending. Compare what you have to pay now with the family-friendly values we find. See if the savings don't average 46% better than what you expect on ALL Your Insurance Needs:
Capital Health Plan is a terrific online tool to personalize and manage health care. Save time and paperwork. Get answers. Take control of your health.
Celtic Life Insurance Co is a major provider of individual health insurance plans nationwide. We offer quality coverage tailored for kids, individuals and families in all stages of life. As health care reform continues to change the insurance landscape, we're structured to meet today's challenges, respond quickly to industry demands and bring new ideas to the marketplace.
Centennial Life Insurance Company makes it easy. You ask, we help. Let’s be honest – does anyone have the time to spend fruitless hours scouring the Web for health or life insurance? I sure don’t, and most of my friends and family don’t, either.
Central Benefits: If this company is built like this web site, this is THE place to go.
Central Reserve Our mission is to provide specialty health insurance, marketed through agents, designed to meet the diverse needs of everyday Americans. We are committed to developing and delivering innovative products and quality services to our customers.
Ceres Group, Inc. - Cleveland, OH: Through our insurance subsidiaries, we provide protection across generations by offering insurance products that meet people’s needs at all stages of their lives. Our health and life insurance products protect individuals, their families, association members and small to medium size employer groups during the years before retirement. Americans age 55 and over benefit from our senior products, such as Medicare supplement, long-term care, and life insurance and annuities. Our nationwide distribution channels include independent and career agents as well as electronic distribution systems.
Chartered Health Plan stresses quality medical care by providing our members with a choice of health care providers, health education, and staff dedicated to service excellence. Chartered Health Plan is committed to developing health care resources, which will assist minorities in the District of Columbia to maintain their health and to become totally healthy individuals. The ultimate goal is to strengthen educational and economical development by helping to bridge the digital divide for our community.
Chubb/Life America, Warren, NJ -- Personal Insurance -- How fragile is your dream? How solid is your coverage? Insure with Chubb and receive coverage and service solutions designed for people who expect more.
CIGNA Health Plan, Philadelphia, PA
Coalition America for members and participants of National Preferred Provider Network. As one of the largest and fastest growing Preferred Provider Organizations, we are always looking for ways to serve you better.
Commercial Travelers Mutual Ins Co is one of America's oldest and most respected accident and health insurance companies - privileged to serve policyholders coast to coast with a wide range of products.
Conseco has 13 million customers.
CoreStar a subsidiary of TrustMark Trustmark offers health and life insurance and benefits administration services to employer groups, primarily through five separate operating divisions:
Country Insurance & Financial Services - A full range of insurance and financial planning services. News and information about the company, available policies and services, agent search, a game zone for teaching kids about safety.
Covenant Health has an excellent and helpful web site.
The American Generation of Baby Boomers
Take a look at their most pressing problems.
YOU may be in the Same Boat.
Download this FREE book.
A Directory of the Best
A Directory of the Best
P SectionPacificare Health Plans is celebrating its 25th anniversary as one of the nation's largest consumer health organizations, offering individuals, employers and Medicare beneficiaries a variety of consumer-driven health care and insurance products.
Parkland Community Health Plan Our service area covers Dallas, Collin, Ellis, Hunt, Kaufman, Navarro and Rockwall counties. We offer Parkland HEALTHfirst for Medicaid. If you're not on Medicaid, Parkland KIDSfirst may cover your children ages eighteen and under. As of January 1, 2007 we have also been participating in the CHIP PERINATAL PROGRAM. Click here for more information
Penn Treaty American Corporation Our insurance companies provide long-term care insurance for thousands of people nationwide. Our polices help give our policyholders more control over their options, such as choice of care providers, when they need care. During our more than 35 years in business, we have paid approximately $2 billion in benefits and are committed to serving our policyholders' needs.
Personal California Care The HMO for Families and Individuals
Physicians Health Plan of Northern Indiana
Our passion is to be the best insurance company in
Physicians Mutual Insurance Co Established in 1902, originally to protect doctors and dentists, we now protect Americans in all professions and from all walks of life.
Providian Life & Health: is about the 60th top ranking insurance company.
Prudential Life Insurance Policy is found here. "-- The Prudential Insurance Company of America is one of the largest diversified financial services institutions in the world and, based on total assets*, the largest insurance company in North America. We offer a full range of insurance, investment, and real estate products and services to individuals and institutions worldwide."
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A Directory of the Best
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The S section
Slovene National Benefit Society We’ve been offering our members the greatest insurance values and progressive fraternal benefits for over a century, and we invite you to join us as we begin our second century of fraternal service, both to our members and our communities.
Starmark Explore our flexible product portfolio that you can customize to fit your needs.
A Directory of the Best
A Directory of the Best
The U Section
United Health Care, or United HealthCare of Arizona, Inc. or United HealthCare of California, Inc. or United HealthCare of Colorado, Inc. or United HealthCare of New Jersey, Inc. or United HealthCare of New York, Inc. or United HealthCare of the Midlands Inc. or United HealthCare of Upstate New York, Inc. or United HealthCare of Utah
UnitedHealth Group is an innovative leader in the health and well-being industry, serving approximately 70 million Americans. Through our family of companies, we contribute outstanding clinical insight with consumer-friendly services and advanced technology to help people achieve optimal health.
United Health Programs of America is a ten year old New York based developer and wholesaler of high quality non insurance health programs. UHP provides cost containment access to medical networks, turnkey solution plans to qualified private label resellers and empowers organizations to offer high consumer value dental, prescription drug, and auxilliary health benefits to their employees/members. UHP customizes product packages and plans backed by quality administrative and customer support services.
United Resource Networks we have provided access to clinically superior, cost-effective health care for complex medical conditions since 1986. Find out how we can assist you or your organization.
A Directory of the Best
The V Section
The W Section
World Insurance Company Entering our 101st year in business, World Insurance Company has never been in a stronger position to serve our customers!
Any insurance carrier is invited to add the URL web site
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