What is the absolute best Dental, Health, Vision and Prescription Plan here. You can plan together or separately, and not necessarily together. No matter how much it would cost. I want to know the best plans for all four, as complete and comprehensive of everything imaginable. Again, cost is not a problem as long as they are the best out there. (Plans the rich and richer May the best ways to draw)
Tags: BEST, cheapest, Dental, Health, necessarily, Plan, Prescription, Vision
Humana and Blue Cross
We have had some really sucky insurance before and Humana is the best. They cover alot and co pays are reasonable.
I have Blue Shield and find it to be one of the best plans I have had. They also have a good copay on prescriptions. If you fill your generic presciptions at Wal-Mart, you will not pay more than $5 for your generic medication. It is Wal-Mart’s policy not to charge more than $5 for generic drugs. They are also the most reasonable for name brand drugs, charging less than Blue Shield will pay. I also have Delta Dental, which pays about half of the dental cost. Though some vision is included in Blue Shield’s plan, I have vision quest. You pay $35 and get an exam, and if you need glasses they pay for the glasses with limited frames to chose from.
It is better to associate with a group plan, as medical insurance is very costly. For me alone, it costs over $400 per month. If my retirement system did not pay this cost, I would not be able to afford it.
There isn’t one that does it all. There isn’t one, also, that writes in all STATES.
Wait a second, in rereading the wording . . . you’re not specifying that you want INSURANCE. You might be looking for a DISCOUNT plan (which I think is a big ripoff).
anyway, plan costs vary within a company, and they vary state to state, and coverages vary state to state and within a plan, so it’s IMPOSSIBLE to compare accurately.
Sorry.
You’ll have to go to a local, independent agent who can compare LOCAL plans for you, and help you make that decision.
If cost is of no concern I would recommend a Health Savings Account (HSA) Qualified plan.
1) $1,100 Deductible
Can pay for dental co-pays with HSA tax free
2) $1,100 Max Out of Pocket
3) Rx Coverage is 100% after deductible
4) 100% Preventative / Wellness @ no cost to insured
5) Fund $2,850 into HSA
6) Gain additional $2,850 in tax deductions
7) Even if you exhaust your $1,100 deductible you have $1,750 left in your HSA to roll to next year
9) Can pay for vision exams and materials tax free
I can go on and on – keep in mind its not the best “carrier” or “plan” its the provider network and plan design that make the best policy.
Use a local broker/agent to help you select the best plan for your area and make sure he/she offers you a PPO that gives you access to a nationwide network of doctors and hosptials.
Hope this helps!
That’s totally an unanswerable question. There is no such thing as a universal “BEST” plan. It’s all dependent on your individual needs. What plan works best for me may not be the best choice for you.
My advice – research a few plans on your own and pick the one that suits your needs.