I’m looking for individual health insurance and it is very confusing. Can someone explain what things like deductible, copay, and coinsurance mean? Also, what’s the difference between a PPO, Network, Indemnity, and a HSA-qualified plan? Lastly, how do I know exactly what is covered before I apply? People have sent me things in the mail and I’m looking online and I was given a list of things covered, but then it says that this isn’t everything and once I sent in my payment I will get a full list of my policy and coverages. That seems shady, and these are top companies like Aetna and Health America, so I don’t think they would rip me off. Plus, how come these companies aren’t offering a bundle plan, where I can get health insurance, vision, and dental all in one plan with one monthly payment?

I am a stay-at-home mom (in Arizona) and I need to get health insurance. My boyfriend (and our toddler) have insurance through his employer but it’s like 0/month for just the two of them and it doesn’t cover much. To add me to his plan we would have to get married first and it would be over 0/month more than he’s already paying now. So that’s over 0/month for insurance that doesn’t cover much. It doesn’t seem like a very good deal at all.

So I’m looking for a health insurance plan that would take all three of us as an unmarried family, for less than 0/month. So far I don’t see any that cover maternity, and we do want to have another child within the next year or two… We don’t get sick often, but our baby needs her regular checkups and vaccinations, we need our regular checkups, vision and dental, and of course catastrophic coverage in the event something really bad were to happen.

I don’t see much purpose in me having insurance for myself, a young woman, that doesn’t cover maternity or birth control, other than for the sake of catastrophic coverage. But if need be I could get my own insurance plan for maternity/birth control/whatever if I could find an affordable one, and they can be on their own plan that doesn’t cover maternity.

Blue Cross Blue Shield has some cheap rates but they don’t cover maternity. Neither does Aetna. Cinergy is too expensive for just me, let alone my family too.

So my question(s) to you specifically are:
Can you suggest any health insurance companies that cover maternity?
Can you suggest any that are affordable?
Can you suggest any that would insure us as a family even though we are unwed?

I need several dental implants. Does insurance cover any part of that? I have aetna . What is the cost usually for each implant? Does it hurt?

I am currently out of work with no dental insurance. I am seeking other options for my dental care since I have been feeling a bit of sensitivity in two of my molars. These molars have fillings already and I was told I may need a crown. I looked into dental plans, but I am not sure if they are reputable plans to "buy". Also, is it worth it? Plans I have looked at are dental plans by Aetna, Delta Dental, etc. If I need a crown for example, it says I will pay a copay of 400 and above depending on treatments. My question is, is a dental plan something I should be looking into or are there other options

so my school offers an option to student to get dental insurance from Aetna
we have two choices:
1- Aetna Advantage Dental (HMO) for 1 dollars for spring semester only
2-Aetna Dental PPO 5 for spring semester only

What’s the difference between both? Which is better? Which covers more? Which one would you choose and why?

Full Points for best answer

HMO vs. PPO aetna dental health insurance?
so my school offers an option to student to get dental insurance from Aetna
we have two choices:
1- Aetna Advantage Dental (HMO) for 1 dollars for spring semester only
2-Aetna Dental PPO 5 for spring semester only

What’s the difference between both? Which is better? Which covers more? Which one would you choose and why?

Full Points for best answer

I live in Queens NY and I have no dental insurance. My mother works but she doesn’t make a good amount and my father is unemployed. She has medical insurance, Aetna, but it doesn’t cover dental and I need to have 1 stupid root canal done and it will cost 2000 w/o insurance. Anybody, I need help. I am also a student in college, so any help, I really need it.

I just graduated college and my insurance ran out. I am taking a job that starts in September and will give me full health coverage 1 month after I start. I am a young and fairly healthy female, although I do have IBS and some other problems, mostly relating to the digestive system, reproductive system, and my skin. I eat a balanced diet and try to exercise regularly. I have only needed to visit the emergency room 3 times in my entire life.

When responding, please give me an informed answer, not just yes or no. Please also explain your reasoning.

Also, other than Aetna or Cobra, is there any other short-term insurance I can purchase?

Doctor’s answers especially welcome.

Thank you!

I live in St Louis Missouri and I have Health insurance coverage from Aetna, but I don’t have any dental plan. What is the best dental plan?

I checked with aetna and cingna but you have to also purchase health insurance to get dental.