posted on Jan, 13 2010 @ 12:15 AM
reply to post by leftystrat
Lefty .. I feel for ya brother, I really do because I know how bad that company insurance game can sting the ol' paycheck. But there is an upside.
Your employer can not force you to accept their insurance policy or provider. So here's whatcha do .. Do some research, email and call as many
insurance companies as you feel comfortable with and do some comparison shopping. Tell them what you want and don't want, what you need and don't
need. Give them all of the details regarding your health, family history, and your fitness.
Gather all of that information and price quotes from thos companies and then choose the Top 3 or 4 based either on low price or high quality or a
combination of both, whatever you feel is best for you.
Now call back those companies and tell them that you really like their insurnace policies and plans, co-pays, coverage, network of Dr.'s etc ... but
their price is a little higher than what you're comfortable with because Company B can give you pretty much the same exact thing with a smaller price
tag, but you would much rather have insurance through their company and ask them if they can meet or beat the price of Company B, or if there's any
extra coverage that they can add that Company B can not.
Do this to all of them. Call them up and haggle the price of coverage for a cheaper cost to you.
It works and in the end you'll wind up getting good health coverage for a better price.