My husband and I do not have private health insurance. His job does not offer one. I am a full-time housewife taking care of our two-year-old daughter. We need a private health insurance plan so that our basic healthcare needs are covered. We earn only around $3,000 a month. What private health insurance plan can you recommend for my family?
In your case, the main consideration is affordability. How much are you willing to pay for your healthcare needs? If all three of you are still considerably young, and generally healthy, you can also opt to buy a catastrophic insurance policy. This type of policy covers only major illnesses, and usually has low premiums. So the money you save can be used to pay for occasional visits to the doctors. If you want your private health insurance plan to pay for doctors’ visits, drug prescriptions, preventive healthcare, and maternity coverage then consider the affordability of the monthly premiums. Check also if you can afford the deductible and co-pay amounts. If you want to learn more about private health insurance plans, check the websites of health insurance companies. You can also discuss your options with a health insurance agent. Verify what each health plan covers or not. Learn more about deductibles and co-pays, and how you can use the services of hospitals and doctors that belong in a network. Together with the insurance agent, try to come up with a proposal that will best fit your budget and family’s general health condition. I am a licensed agent in 7 states. If you post your name and phone number, I can call you to discuss options Answer by FLHealthQuotes — June 16, 2009 @3:54 pm 1 CommentLeave a comment |
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You can buy an individual private health insurance plan from an insurance company that you feel you can trust. Depending on the plan, you can consider including dental coverage in the policy.
We do not recommend posting your name and phone number in this forum. You will likely get more calls than you want. FLHealthQuotes - You can post your number and the consumer posting the question will contact if they so choose.
Comment by Moderator — June 24, 2009 @ 8:54 pm