Is finding affordable health insurance in Alabama difficult? Or are you expecting something for little cost? What are you comparing other company plans to? In the great state of Alabama, we've made blue cross synonymous with insurance. We have given them the power to control our health needs. Once they don't pay as we want or they raise the rates we start complaining. Do we not understand that there is affordable health care in Alabama. There are several companies that sell major medical plans to Alabamians at lower costs than Blue Cross. The major issue is we don't understand health insurance well enough to research. We either rely on an insurance agent (which there few who even sell health ) or we give in to the name we have learned to trust. One must question how did they gain our trust? Is it because they pay timely? We know several doctors that would not totally agree. They pay just as an average health care company would. Is it because they extend their services to us? Actually most agree that customer service is not the greatest, they are so large their employees have to read from a screen about your plan. So how did they gain our trust? They were very good at "branding" themselves. The marketing concept "the more they see it, the more likely they will remember it." As blue cross continues to get larger the more visable they become, therefore training each generation to see them the same way. How do we get out of this trap? EDUCATION! Learn what the difference between copay, deductible, and coinsurance then do the research!! If you are looking for Affordable Health insurance in Alabama, Georgia or Mississippi I will be glad to help you find the right plan that fits your needs. www.havingaplan.com

Our views about health insurance.

Most consumers do not understand that the more they use their health insurance, the more likely the insurance carrier will raise the premium at policy anniversary. A common remark from the public is " Why should I pay this much for something I haven't used." Let me ask you why do we look at health insurance as if it was a consumable product? We pay for Auto and Home insurance and we never complain that we are paying a premium for something we are not using. We never feel like we should get in a car accident to make our auto insurance useful do we? Since your use is tied into your cost, think about it before you go to the doctors for the sniffles.