My wife and my self and our 7 month old need health insurance help. We want to get good isnurance. We plan on trying to have our second child around August. We need to get on some good insurance pretty quickly. Can you recommend someone or what to look for? State is Oklahoma. thanks She is not pregnant. We are thinking about trying in August if we have insurance.
Insurance - 3 Answers
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1 :
If your wife is currently pregnant you will not be able to get individual insurance coverage unless you qualify for your states low income plan. Individual carriers will not even issue coverage to you or your children since you wife is pregnant. Group insurance through an employer is an option. If you own your own business you could also start a group plan. If you pre-pay the hospital they will usually give you the price they charge an insurance company. This could save you thousands. Another option it the Maternity card, this is a discount plan that guarantees if you don't more money than the card costs they will refund you the price and give you $100. http://client.ahcoagent.com/22328/maternity/ You confused me August is only 8 months away, in that case you can get coverage but.... health carriers usually have a 6 to 9 month waiting period that you have to go through before conception can occur. Try using yellowpages.com to search for health insurance brokers in your area. Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state. Not all carriers offer maternity make sure you tell your broker why you're getting insurance and they will take care of you. Maternity coverage can be expensive I suggest you also explore Health Savings Accounts with Blue Cross. The premiums are lower but you will have higher out of pocket expenses.
2 :
There is a broker that specializes in individuals like yourselves and they are great for finding plans with excellent maternity coverage. In addition, they service Oklahoma! Visit them online: http://www.SmedleyInsuranceGroup.com or call 866.260.9829!
3 :
ASI Health Insurance, this is the best affordable health insurance out they provide to individuals, families and buisnesses. ASI gives you better coverage than most and for a far better price, I myself work for the company and they are BBB approved. 1-800-929-8344 PAL Refferal code: 261635 Use the refferal code when you call and the customer service associate will assist you with all the diffrent plans cost.
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