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Forum
-> Inquiries & Offers
-> New York related Inquiries
koolmother
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 Mon, Sep 28 2009, 10:46 pm
we are looking for a new medical insurance family plan.
which plan is good?
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bubby
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Tue, Sep 29 2009, 12:39 am
Oxford Freedom select (low co pay, no referrals needed) is quite good. Now we're on Oxford Liberty...$25 co-pays, poor prescription coverage (it costs us about $200 a month to keep living!  ) This is through is company. No choice.
Although if you're paying it's a different story. You need to research carefully (& if you're DH, make a spread sheet, he does that for everything   ) before you make a decision. Base it on your family's needs: do you need good prescription coverage, convenience of no referrals, low deductible, good maternity & pediatric benefits etc? And of course, value for money. Private (ie no shared cost with work) is very expensive.
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Flowerpot
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Tue, Sep 29 2009, 12:45 am
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I have Oxford freedom. I'm very happy with it. But looking for a good dental insurance with good cvrg n lw copays.
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wtvr
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Tue, Sep 29 2009, 1:55 pm
| bubby wrote: |
Although if you're paying it's a different story. You need to research carefully (& if you're DH, make a spread sheet, he does that for everything ) before you make a decision. Base it on your family's needs: do you need good prescription coverage, convenience of no referrals, low deductible, good maternity & pediatric benefits etc? And of course, value for money. Private (ie no shared cost with work) is very expensive. |
If you go through a broker, he/she should give you something like that. A comparitive listing of companies, coverage and costs, broken down.
If you have doctors that you're happy with, you have to factor that in- are they in-network for your new insurance? Is it worth it to change, etc?
Also, depending on your situation, a lower premium/higher deductible may be an option.
Good Luck!
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