What is the best private health insurance out there for a mom and child?
Posted by Dolores
dkjc asked:
My husband got a new job, it’s a very good job but it’s health insurance is a joke. My husband is covered, but I need something for me and my little girl. Thanks!
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My husband got a new job, it’s a very good job but it’s health insurance is a joke. My husband is covered, but I need something for me and my little girl. Thanks!
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June 7th, 2009 at 1:25 pm
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free health insurance quotes from different companies
June 8th, 2009 at 8:53 pm
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Try this site
here you can get quotes from different companies in your area so you can find one that fits your needs.
June 10th, 2009 at 1:24 pm
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You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company.
If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low co pays and optional vision and dental benefits your monthly premiums will be significant.
On the other hand if you are young, healthy and don’t often use the health care system you could consider a plan that covers only the major health catastrophe. If that is too scary consider a plan with a higher in hospital deductible, higher co pays for doctor’s office visits and perhaps not cover prescription drugs.. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead.
Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health status. They can answer questions as to what is and is not covered by the policy, explain deductibles and co pays and show you the hospitals and doctors that participate in the network.
Some are going to suggest you go to their web site so that they earn a few pennies on a click through. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even pitch a discount plan that is not insurance at all. Use the Internet to educate yourself but use an agent to purchase the coverage.
June 13th, 2009 at 7:17 am
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YOu are not the only one who met this problem,I have met this type of problem before.I have good experience here to solve my similiar problem.