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Originally Posted by anne
Blue cross is good but expensive ;) I would check a something for small businesses.
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The main thing about blue cross if they do not drop you. You can get diabetes, cancer, etc. and your premiums do not go up. You pay more, but they accept EVERYONE. So regardless of age, or preexisting condition.
Obviously if you had one, then you are going to have to wait their grace period. But after that, you have your 1 million lifetime cap.
The other main difference is lack of preventive care (i.e. copay dr's visits). Those you have to pay out of pocket. Their prescription coverage is not so good. I rarely HAVE prescriptions, and would have to spend $250 for the year before they pick up the tab. But that's ok.
Dr's visits, and my one antibiotic a year's not goign to kill me. Some major issue, or hospital visit would. Plus I do not need to worry about them jacking my rates up if I get some new disease, or being dropped. So I will pay more, and have less to worry about.
I am not familar with all of the rest out there. But I did research a handful before picking Blue Cross.