What's the best health insurance company for catastrophic coverage? Kaiser? BC/Tonik? State Farm?

https://news.ycombinator.com/item?id=30326

by zurla • 19 years ago

1 3 19 years ago

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zurla• 19 years ago

Paul Buchheit just linked to Tonik from his blog. Anyone have any experience with BC/Tonik? Are they any good? How about Kaiser? Someone mentioned State Farm as well. Kaiser's cheapest CA plan is $109 a month for a $1500 deductible, Tonik is around $89 for a $3k deductible. Is there a good link to reviews of these plans?

npk• 19 years ago

Sounds like the beginnings of a startup idea :)

I'd say my experience with HI is that it's typically best to go for customer service, as well as coverage. When I had Kaiser, it was excellent. Blue Cross/Blue Shield, typically, has excellent coverage as well. Don't know about Tonik.

staunch• 19 years ago

Definitely not a fan of Kaiser. They're really restrictive and extremely good at avoiding proper treatment from what I've seen. With most normal HMOs you can at least see a variety of somewhat-independent doctors and some quite-independent specialists. It's easy to move around. I hate to recommend any insurance company but Blue Shield of California did okay for me.

What's the best health insurance company for catastrophic coverage? Kaiser? BC/Tonik? State Farm?

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