Lakewood, Colorado boasts a population of almost 140,000 Colorado residents. Lakewood also boasts a great selection of health insurance companies from Aetna, Blue Cross Blue Shield, Cigna, Humana, United Health One, and Kaiser Permanente. If I told you the total amount of available health insurance plans in Lakewood, you would get pretty intimidated, but never fear, East Coast Health Insurance is here to unwind the wild amount of plans to choose from for you.
Lakewood Health Insurance Companies and Sample Health Insurance Quote
Below is a sample Lakewood health insurance quote for a 34 year old male in the zip code 80401 using an effective date of February 15, 2010. If you run your own Lakewood health insurance quote, you will quickly find that you and/or your family (unless you are a 34 year old male) will look entirely different.
However for the sake of comparison, the chart below will give you a good starting point. I made sure to be fair to all Lakewood companies by using either a $2500 deductible or a $5000 out of pocket maximum. Some plans might have a lower deductible, but then their coinsurance will equal $5,000. Remember out of pocket maximum usually equals your deductible plus your coinsurance or copayment (in the case of Kaiser Permanente) maximum. All plans include office visit copayments and prescription copayments from day 1 of the plan as that is the most common plan type that people request.
So for me, Anthem’s Colorado Blue Cross Blue Shield is the clear winner, but keep an eye on the coinsurance which is 30%. Because of this I looked closer at the plan and found that the maximum coinsurance even with the 30% was only $2500, and worse they have a maximum amount of office visits. For a few dollars more Humana One offers a combined $4,500 out of pocket and unlimited office visits. United Health Care is $3 more and has a better prescription plan.
But my true favorite is the HMO from Kaiser Permanente which offers emergency room copayments and diagnostic copays before the deductible. If you are willing to deal with an HMO network then Kaiser would be my choice.
Cigna is a pretty new entrant and their plan is quite ordinary and matches Humana and United Health One almost exactly. If they come out affordable in your demographic then by all means go for it.
Finally if you are an older Lakewood health insurance shopper, then Aetna and their AARP plans would be an amazing choice as they are pretty lax with their underwriting requirements. Call us at 888 803 5917 for more information about our picks for your demogaphic in the Lakewood medical insurance plan market.
|
|||||||||||||||||
