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Originally Posted by TheSaint
In general with Blue Cross you cannot get the "top shelf" program unless you create a group plan (or get in one). My blue cross for example is the best you can get - $10 copay card, $10 drug card, all that good stuff. But its a group plan - the individual plans are crap, especially the drug plans.
Check with a broker in your area.
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Yes, I think this is what I am looking for; a good group plan. That's probably why employers are able to offer their employees such excellent plans. In a way, I am a little bit jealous because the coverage is so great. I would be willing to pay more for a group plan, because insurance is very very important to me. Not sure how to get into a group plan, but I suppose I'll have to discuss that with a broker like you said.