Health insurance

For many years in US, I dint bother about health insurance probably either I was cocky and or totally believed that the insurance from my employer (well known Indian IT company) was gold. In the last couple weeks since I am moving to a new employer, I had a chance to fish for insurance on my own and was an eye-opening experience. First of all I was feeling pathetic that I did not know all the key terms involved HMO, PPO and its sub-terms. Considering to take a smart approach, with the help of my dear friend google I thought should venture some insurance help web sites. In various insurance help websites after grinding the same flour over and again (I picked this phrase from Tamil), they all throw a caution note - 'Find the policy that's right for you' - and seriously I don't know whats right. Since myself and missus don't have any major issues (touch my-head), but going through the policies it did put me to think as to what might happen if we had an accident and did induce a kind of negative thought. I think insurance policy is a smart venture to terrify people and get $$ from so called safeguarding the people. I never did such a thing back home in India and not sure anyone still does there (I know we promptly insure our motorbikes against theft).

I went through the various websites, Keystone, Aetna, Oxford, GE and finally settled for one, but the agent advised me on the application processing time i.e. 3-4 weeks after appropriate scrutiny. I wonder and amazed how UK/Canada are providing health benefits duly undertaken by government and is an excellent policy. For me the worst is yet to come as I have to go through the same pain for dental insurance. Tooth-ache is tolerable than this.

I seriously feel the health insurance policy in US needs a total revamp and easier to public.