The 2 types of insurance serve different purposes, although in one respect, there is some overlap. At its most basic, health insurance is intended to pay to or on behalf of the insured sums of money...
"Cinergy 'health insurance' is not actually insurance, it is a discount plan. As such it only may reduce the cost of some services and is less comprehensive than 'real' health insurance."
Everyone has their own opinion on what company is the best based on their personal experience. I work in insurance for a group of doctors and my best experiences have been with United Health Care and...
Basically, yes. The insurer may not be required to cover "pre-existing conditions" for some period of time, though the health care reform bill is supposed to make some changes to that.