| It's a simple fact that even some very good | | | | 5. Claims-Paying Ability [Financial Strength] When it |
| health insurance companies lack a few of the | | | | comes to being fully prepared why does it make |
| following 5 things. Be a discriminating health | | | | sense to depend on one of the "Big 3" health |
| insurance buyer and make sure that the health | | | | insurance companies: United Healthcare, Aetna, or |
| insurance company that you choose receives a | | | | Humana? Aren't there some other good |
| passing grade in all 5 of these areas: | | | | companies out there? |
| 1. Large, Stable Networks [If you have never | | | | The answer is, "Yes, there are many good health |
| heard of them before then it could be that your | | | | insurance companies out there with great people |
| doctor never has either]. | | | | working for them." However, in all practicality |
| 2. Excellent Customer Service [This should go | | | | almost all people will find the best policy from one |
| without saying]. | | | | of the "Big 3" health insurance companies: United |
| 3. Comprehensive Policies [No Annual Caps or | | | | Healthcare, Aetna, or Humana. The "Big 3" are all |
| Limits - no indemnity policies or health discount | | | | very strong in each of these 5 areas. |
| plans unless all other alternatives are exhausted; | | | | Again, there are many other good companies out |
| TIP: Simply look up Discount Health Plan Warning in | | | | there but a health insurance company must be |
| any major search engine and take a look]. | | | | strong in each of these 5 areas to truly be a |
| 4. Competitive Pricing [There is very strong | | | | health insurance company that your family can |
| competition amongst the "Big 3" that many other | | | | depend on for years to come.Compare Health |
| companies could have trouble competing with | | | | Insurance Quotes |
| unless they give up ground on 1 or more of these | | | | Joel J. |
| other 4 things]. | | | | |