Tips to Finding Affordable Health Insurance in Silver Spring Maryland
Individual health policies are for those who are responsible for their own health insurance expenses. My best recommendation is that you have a Health Insurance Broker licensed in your state assist you make the best decision. The coverage you should choose is determined by your particular needs and those of your family.
RxMom.com Insurance offer you great resources to find the best group health insurance in Silver Spring. We feature all the top Carriers in Maryland.
Examples of specific considerations:
-Maternity and Fertility coverage
If your family is young and growing, you will want to consider a policy that includes maternity care from the onset. Blue Cross Blue Shield and to some degree Kaiser Permanente do offer plans that may provide fertility coverage.
Some plans have prescription plans that only cover generic drugs while most do cover preferred brands. It is just good to know what you are going to get.
Check and see if your doctor is included. Typically PPO (Preferred Provider Organization) plans provide the most freedom of choice and greater flexibility as compare to HMO (Health Maintenance Organization) . Traditional Plans or Indemnity plans do not have network restrictions.
-Preventative Care Packages
If you can opt for a plan that includes a preventative plan without having to first meet a deductible. Preventative Care usually includes Annual Physical, OB/GYN Exams, Mammograms, PSA screening and well child care.
-Dental and Vision are pretty important but do not allow these to disproportionately affect your Major Medical plan decision. If need be get them separately and focus on a health plan that is solid and that meets your needs.
VALUE NOT PRICE
Be diligent, compare plans and comb through the outlines of coverage. My little rule is that the better insurance companies have simple and easy to understand plans as opposed to those that present you volumes of literature and very little coverage.
DC- DISTRICT OF COLUMBIA PLANS
Care First Blue Cross Blue Shield probably offers the most coverage for the best price in DC. The savings are pretty substantial. Aetna and United Health One are also pretty competitive in the District of Columbia for Individual and Family Plans
Silver Spring MARYLAND PLANS
Coventry One Health Insurance is offering very reasonably priced PPO Plans for Silver Spring and the rest of Maryland . Care First Blue Cross Blue Shield offers very comprehensive and competitively priced plans. The majority of the Plans include the important preventative package. (HMO & PPO) Blue Cross Blue Shield boasts the biggest PPO network in the DC metro area. Do Consider the Blue Preferred Plan. The Blue Choice Saver plan offers great outpatient benefits at an affordable price . At the writting of this article, both the Blue Choice and BlueChoice Saver Plans in Maryland offer maternity benefits without addition premium.
Kaiser Permanente (HMO) offer very inclusive and competitive plans in this area too. This company's plans almost always include maternity for no extra cost. This is indeed a popular company in this state.
Golden Rule (United Healthcare) also offers Health Plans in Maryland. These plans are very competitive and the Network is large. Great PPO and HSA plans offered.
-With CareFirst Blue Cross Blue Shield Couples and Families may realize substantial savings by submitting separate applications for each individual as opposed to a family application. The savings seem to be greatest for a two parent (adult)-one child family especially when there is a notable age difference between the parents (adult)
-Blue Cross will accept domestic partner family applications.