Best health insurance?

I am employed full time, but my company is too small to pay its employees any benefits.


So I'm shopping for my own insurance.


What I'd like:


Insurance that covers all my current doctors, not just giving me a list to pick from.


Something that will pay for both living and hospital expenses should a sickness or accident prevent me from working - and will keep paying.


Good Dental coverage





I'll gladly do a co-pay for doctor's visits.


I'm 28 and in excellent health, non smoker - this should give me a good starting point....





Right now, I'm on an international health insurance out of Germany (which is where I'm from) which reimburses me for every medical expense, but I am sick and tired of having to front the money.





Any advice?


It's tough to just start shopping, so I'd like to get input from people who have insurance.


Let me know which company you feel is the best one.

Best health insurance?
It's great that you're looking at getting health insurance. If you can afford it (which you should be able to above the poverty line!) it can do wonders. As you say, you are a non smoker and will co-pay for doctors visits which certainly helps.





There is a vast difference between the prices of different health insurances, so it's important to shop around. There's a great site for this kind of thing for people in the US. It's totally free and they give you quotes from all the main health insurance agencies. You can check it out here:





http://www.mb01.com/lnk.asp?o=1263%26amp;c=918...





I wasn't sure if you were still in germany, or living abroad, but if you are some a good and complete list of health insurance firms can be found here also:


http://www.medknowledge.de/germany/treat...





Hope I was of some help, and good luck finding the right one! Just remember to get lots of quotes and check the fine print! Also, the ones which give you extra 'benefits' like physio and stuff, which you may be unlikely to use, tend to be more expensive so avoid those also if you're unlikely to use them.





Have a good one :-)
Reply:Hello, I joined a dental/optical plan that runs less than $7 a week for the entire family. It also offer a complete Health care savings plan for under $13 per week, per family!call toll free at 1-877-483-1830 . Call now hope this helps.Remember my Id# (Vera Johnson) (REP ID#219225) Report It

Reply:Hey when you find out will you let me know via email. I'm in the same boat as you except I'm not from Germany. But I don't know where to start.
Reply:Find any insurance. If the auto insurance companies, such as All State also offer other types of insurance, such as health, NEVER go to Statefarm, because they will not pay one penny for your claim, even if they are sued. That is a proven track record with them, which made national headlines on Dateline, and after Katrina. All State is the best. Out of all of the companies, All State gives you the most money.
Reply:Probably best to have a rest.looks like you can get some ideas here.http://insurance.online-assistant.info/c...