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    jendz3's Avatar
    jendz3 Posts: 1, Reputation: 1
    New Member

    Oct 9, 2005, 08:46 PM
    Health Insurance

    I have never bought private medical cover, critical illness insurance,
    Loss of earnings insurance, etc. I know that there is various advice and
    Web sites to help you lower your car insurance, but what,
    If any, facilities exist to help you shop around for these other types of insurance?
    Can you type your details into one web site and it retrieve quotes from several insurers?
    And if such a thing exists, can you compare like for like?
    I am thining that it might not be so easy to compare policies because one might be cheaper,
    But another tha costs more might cover you against more things, making the comparison more difficult.
    I am thinking that with cars you have third olartyor comprehensive,
    Whereas with medical insurance they seem to cover you against varying ailments;
    Some insurers covering more illnesses than others.

    mirage_jeck's Avatar
    mirage_jeck Posts: 2, Reputation: 1
    New Member

    Oct 9, 2005, 09:11 PM
    Deductibles vs. monthly premiums
    Some thoughts..

    Depending on the plan for a family of 4, that's actually pretty reasonable.

    One thing to be aware of is how much the deductibles are vs. the monthly

    YOu could pay a lesser monthly premium but higher out of pocket costs, and with
    Two young kids they tend to need to go to the doctors more often, so you want to
    Make sure you are not going to have to pay $100 dollars every time you go. For a
    Farily healthy single person they always say you can get away with a high
    Deductible,low monthly plan, but that's assuming you rarely have to go to the
    Doctor. Also assess your families needs. Realistically draw up a list of the
    Past two years on how often each family member visited a doctor for any reason.
    Also does you current plan have dental - a whole other consideration.

    On consideration is if each member of the family has a doctor that they like and
    See, call their office and find out what health insurance they accept and of the
    Companies they tell you make sure they tell you if they are PPO or HMO plans as
    That will make a difference of what you want as well.

    You might also try
    jendrich as they have some reasonbale rates and I have heard
    Some good things about them.

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