Health insurance question bluecross and blueshield?

I don't have any kind of insurance. My fiancee has insurance but I can't get on it until we get married in Dec of 08. I need medical, dental, and vision. Could I get all three through bluecross and blueshield? It would be me paying out of my pocket and not through a company. I work as a nanny so I don't have benifits. I went online and they are sending my info. Any info would be a big help.

I forgot to mention I'm in West Virginia.

The BC/BSs are all independent (they are under an organizational umbrella for identity, but unlike when they originated, some are for profit, some are still not-for-profit). Plus all states have all kinds of rules and regs as to what plans have to/can't offer, so without knowing your state, can't say.
Typically BC/BS is a solid company.
You might want to do a search off a web site that handles multiple policies and see what you can get, like
ehealthinsurance.com

You might want to consider an HSA as you could set aside money when you're young and healthy for when you're older and may have health issues. You can search above site for HSAs as well.

It's actually a good idea if you can get insurance on your own--not at the mercy of your employer and ERISA shield (insurance advantage, not yours) does not apply. Granted you probably will pay more in premiums, but if you're healthy, an HSA could be the best choice for you.

You may want to think about the "need" for dental. My brother has dental. I think he gets $2K in benefits a year. They limit who he can see. He's paying a good $4K or so out of pocket this year because of what his dentist, on plan, charges. That's more than $1K per crown. I just got a crown for $500. I don't think he saves a cent.

Similar with vision--lots of low cost yet legit exams out there and glasses if you need them. May not be so important as you think. An eye injury should be covered under health--though it pays to ask as they can come up with the most interesting twists in that line of work. Too bad Hollywood writers are not so creative as insurance writers are.

yes you can get your own insurance through Blue Cross Blue Shield. You pay them direct instead of through your employer. Probably will make you pay through automatic bank payments.

It's all right there on their website. I think it depends on what state you are in. If you don't have any ongoing dental problems it may not be worth it to get the dental coverage. I find it more cost effective to just pay out of pocket. One thing to look out for is whether they cover you for pregnancy or not.

Edit: Ok, you are not pregnant now, but what if you get pregnant? Some policies will not cover pregnancy, period, and no BC is 100% effective.

I've never seen a vision or dental plan through BCBS. Usually those are three different policies.

You'll have to fill out the application to get a quote, and see if BCBS will take you. They don't offer maternity benefits except through group policies - no one does - if that's what the rush for coverage is all about.

Most private vision and dental policies don't pay out as much as they charge you. They aren't worth it.

You can definitely get an individual policy with BCBS.
Now, if you don't need dental work or glasses, don't get that extra coverage because it's usually garbage on an individual policy anyway.

If you go with BCBS options, that's an HMO. So make sure that there is a doctor in netwrok you'd be willing to see.

Also, get a quote from at least 3 different insurance companies and compare benefits to price.

Good luck!

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