I've been without health insurance since I was 18, almost 8 years now. I've been REALLY wanting to get health insurance for YEARS now, but I've worked (and still am) as a contractor and have not been eligible for company insurance. I've looked at the private health insurance plans many a time over the last several years, telling myself I really need it, but I ultimately get turned off by the confusing policies, and also the fact that almost all health insurance plans are simply not fair. All plans are different on so many levels, and I get very overwhelmed by trying to figure out which is a right plan for me. Not only just different price deductibles, but it's amazing to me how plans can differ on what they cover or not. There seems to be so many exceptions to coverage, that in most cases, I often ask what the hell is the point of it if my insurance is going to make me pay premiums then say all the service I need is not covered? The worst is that most plans say they won't even begin to cover for a diagnosed disease till you have paid for at least 12 months.... Frustrating.
Since I've made more income this year, I've been catching up on yearly doctor visits, but I definitely feel I DO NOT get the treatment I deserve since almost all doctors will never want to test anything that may be costly (which is everything). As I get older, I want to make sure I am in tip top shape, not just have different doctors tell me "It's probably nothing". Plus, it will be good to have insurance in case of any accident or medical emergency.
Does anyone have any tips or suggestions when looking for a health insurance plan that won't make me feel ripped off and also cover most medical needs and tests? I've only been looking online so far.