I'm throwing this out here to see if someone(s) in the Dkos community can help out.
I'm looking for individual health insurance and while I read the terms on all of them and think I understand them pretty well, from stories and articles of things gone wrong, I'm concerned that I get good coverage. I saw a therapist a number of years ago for something and I want to make sure any insurance would cover that. I have called insurance companies, and independent agents, neither of which seem really to have my best interests. They all seem to want to sell me the cheapest insurance even when I insist, that I could pay more for more comprehensive insurance.(I talked with one agent for 30 minutes before he admitted that he could tell specifically what "severe mental illness" meant, or how it was determined what was "severe" even though their policy explicitly limits coverage to "severe mental illness", so I would be paying for something that I didn't know would cover me, until I actually had to use it).
What I am looking for is some sort of 'buyer's agent' or consultant, that knows the field of health insurance and can help me out finding a policy that I am happy with. Someone who wasn't getting commissions from health insurance companies to promote their plan.
Is there someone out there like that ?