Boasting a population of a quarter of a million residents Birmingham, Alabama offers four great choices for your health insurance plan, and five if you are over 55. We are going to briefly discuss the choices here. Aetna, AARP, Blue Cross Blue Shield of Alabama, Humana One, and United Health One are the only five companies that you should consider for your health insurance company. Of course your broker should be East Coast Health Insurance so please call us at 888 803 5917 for a quick overview of the plans available to you in this great city. Or if you are a self-starter, go ahead and click on the quote button above and compare and even apply for an Alabama health insurance plan from the privacy of your easy chair.
The Birmingham, Alabama Health Insurance Market and a Sample Health Quote
So after running a few Birmingham health quotes in several demographics, I have come to the quick conclusion that you can quickly boil your choices down to two or three companies maximum assuming you are healthy enough to have your pick of plans.
Coming in the most affordable, and offering the most health insurance for your dollar is Blue Cross Blue Shield of Alabama. Its not really even fair to the other companies to compare however as Blue Cross enjoys a tax favored status in Alabama and has the largest network due to unfair conditions in the state government. Normally, for these comparisons I would use a $2,500 deductible but Blue Cross of Alabama doesn’t even bother to have one as their lowest plan is a $1,500 deductible, and at $128 per month, their plan is much more benefit rich then either Humana, United, Aetna, or AARP which are similarly priced, but with a $2,500 deductible.
Also outstanding about this plan is the emergency room copays and the fact the coinsurance and out of pocket factors only apply to in patient. No other plan can claim that in Alabama. So thus, if you are healthy enough this plan would be good enough for anyone and gets our seal of approval.
If for some reason you don’t qualify for Blue Cross, your next best bet would be either United Health One or Humana One. It doesn’t really matter which one because these plans are nearly identical in every respect. To make the decision for you and your family go with the one that has the most doctors of yours in the network. Both plans put most costs and procedures toward the deductible except for office visits and prescriptions which are covered with a copay from the first day of the policy.
If you are over 55 then you might be eligible for AARP call us for more information. Aetna is not at all competitive in Alabama, but you might consider the plan if you are either older or have a medical condition that precludes you from coverage with these other health insurance companies. Don’t misunderstand however, Aetna is a great plan but due to their network and pricing in most parts of Alabama including Birmingham they are just not competitive.
