Finding Individual and Family Health Insurance in Virginia, Maryland and The District of Columbia

Individual health policies are for those who areNorthern Virginia but their territories do not
responsible for their own health insuranceoverlap. They both offer very comprehensive and
expenses. My best recommendation is that youcompetitively priced plans. Most Plans include a
have a Health Insurance Broker licensed in yournice preventative package - Contact your broker
state assist you make the best decision. Theto determine which side of the fence you are on.
coverage you should choose is determined by(HMO & PPO) Blue Cross Blue Shield boasts the
your particular needs and those of yourbiggest PPO network in the DC metro area.Kaiser
family.Examples of specificPermanente (HMO) offer very inclusive and
considerations:-MaternityIf your family is youngcompetitive plans in this area too. This company's
and growing, you will want to consider a policyplans almost always include maternity for no
that includes maternity care from theextra cost.Golden Rule (United Healthcare) also
onset.-Prescription PlansSome plans haveoffers Health Plans in some Northern VA zip
prescription plans that only cover generic drugscodes. Great PPO and HSA plans
while most do cover preferred brands. It is justoffered.MARYLAND PLANSCare First Blue Cross
good to know what you are going to get.-DoctorBlue Shield offers very comprehensive and
NetworksCheck and see if your doctor is included.competitively priced plans. The majority of the
Typically PPO (Preferred Provider Organization)Plans include the important preventative package.
plans provide the most freedom of choice and(HMO & PPO) Blue Cross Blue Shield boasts the
greater flexibility as compare to HMO (Healthbiggest PPO network in the DC metro area. Do
Maintenance Organization)-Preventative CareConsider the Blue Preferred Plan.Kaiser
PackagesIf you can opt for a plan that includes aPermanente (HMO) offer very inclusive and
preventative plan without having to first meet acompetitive plans in this area too. This company's
deductible. Preventative Care usually includesplans almost always include maternity for no
Annual Physical, OB/GYN Exams, Mammograms,extra cost. This is indeed a popular company in
PSA screening and well child care.-Dental andthis state.Golden Rule (United Healthcare) also
Vision are pretty important but do not allow theseoffers Health Plans in Maryland. These plans are
to disproportionately affect your Major Medicalvery competitive and the Network is large. Great
plan decision. If need be get them separately andPPO and HSA plans offered.Tips-Blue Cross Blue
focus on a health plan that is solid and that meetsShield Families may realize substantial savings by
your needs.VALUE NOT PRICEBe diligent,submitting separate applications for each individual
compare plans and comb through the outlines ofas opposed to a family application. The savings
coverage. My little rule is that the better insuranceseem to be greatest for a two parent (adult)-one
companies have simple and easy to understandchild family especially when there is a notable age
plans as opposed to those that present youdifference between the parents (adult)-Blue Cross
volumes of literature and very littlewill accept domestic partner family applications.-For
coverage.REGIONSDC- DISTRICT OF COLUMBIABlueCross and Kaiser Permanente Quotes go to
PLANSCare First Blue Cross Blue Shield probablyRxMom.com-For Golden Rule Quotes go to
offers the most coverage for the best price inGoldenHealthInsurance.comTom Musembi -
DC. The savings are pretty substantial.NORTHERNLicensed Broker in Virginia, DC, Maryland and
VIRGINIA PLANSCare First Blue Cross Blue ShieldPennsylvania
and Anthem Blue Cross Blue Shield both servetel 888-490-8782 email web site RxMom.