So in Montgomery, where there is a pretty large urban population there is quite a few choices for your health insurance dollar. But in the opinion of any health insurance broker that is experienced and not a liar, you will be directed to any one of four major Alabama health insurance companies.
Montgomery Health Insurance Companies and Sample Quote
So who are these 4 Montgomery health insurance companies? Well you’ve probably heard of all four of them and you’ve definitely had at least one of them as your health insurance company.
Blue Cross Blue Shield of Alabama is by far the most logical choice in Montgomery. This is not because they are a better company then the others, not at all. It is because they enjoy an unfair tax exemption, and also due to the rural demographics of Alabama it is very difficult for new companies to enter the market. For a 34 year old male in Montgomery, Blue Cross has a plan for $108 per month with a $1,500 deductible and offers office visits, prescriptions, and emergency room copays from the first day of the policy.
Humana One in Montgomery is actually the same price for a 34 year old male as Blue Cross the main difference is that their plan has a $2,500 deductible and has no emergency room.
For $13 more United Health One is probably not a great idea in the Montgomery health insurance market because they are not domiciled in Alabama which means that they can raise your rates and punch you in the stomach without asking anyone. But they have not really acted on that and they could have for the last 5 years, I just don’ t understand why United Health One who purchased this company once called Golden Rule doesn’t just get the individual project registered in the state. Also the plan has a terrific prescription plan which might be the best in the state.
Aetna is probably my favorite company in Alabama but their product is just too darn expensive for 75% of the demographics that are shopping an Alabama health insurance product. If you have a pre-existing condition however Aetna will take you! Call us for more information!
