Monday, June 1, 2009

What health insurance company is best for a child


What health insurance company is best for a child?
I am looking for a good and reasonably priced health insurance provider for my 9 year old son. Insurance through my work is outrageous so I'm looking for an outside provider.
His mother is suppose to have already put him on CHIP with the state of TX (by court order) but she refuses to do so for some reason. I hate the idea of him being without health insurance. Anyone had any good experiences with certain companies? Any suggestions or feedback would be greatly appreciated.
Other - General Health Care - 4 Answers
Random Answers, Critics, Comments, Opinions :
1 :
you can go thru the human services people and they can help you get set up on insurance and if not they can help you as to where to go
2 :
In terms of good, reasonably priced health insurance for lower income families, SCHIPS is hard to beat. Your wife (ex-wife?) may be resistant because SCHIPS is cheap, but not free. If she is aware of your ability to provide health insurance through your employer, this may be a cause of resistance (especially if, at the end of the day, you have the means to pay for your son's policy). Unfortunately, you will find that in order to purchase personal insurance for your son, you will need to be covered under the policy as well. So as "outrageous" as you think the policy is from your employer, it will likely be cheaper (and will DEFINITELY be better coverage) than dropping your employer's plan for yourself in order to cover both you and your son. So, you may have two options on the table if you want your son covered. Go to bat and attempt to enforce the court order on your wife, which will not endear you to her one bit...or man up and pay for coverage for your son through your employer. Not the answer you may wish to hear, but there you are. Best wishes.
3 :
This website has medical care for as low as $29.95 a month per household take a look www.mybenefitsplus.com/40677492
4 :
State health plans are often among the best coverage, least expensive plans around for kids. However, if that's not an option (as you've indicated), then check into an individual plan for your son. As you found out, putting him on your plan at work will probably give him pretty good benefits, but group plans usually assume that, on average, there will be 2.2 kids/employee; therefore, someone with 1 or 2 pays more while someone with 3 or more pays less (hey, that's how insurance works: it "averages" things out across a lot of people). However, by buying an individual plan for him you'll only pay for "his" coverage. Further, you'll be better able to get a less expensive plan that might be better suited to his actual needs. Here's a few tips: 1. Try to figure out "how much" health care he generally uses. Don't buy a really dynamite plan with a lot of bells & whistles if he's unlikely to use most of them. Remember, the point of "insurance" is to handle expensive items; coverage for the more "routine" stuff is really just "health care financing." 2. Even if you buy a plan with a higher deductible (like $2,500 - 5,000), you'll still probably get those things people use mainly, like doctor and generic drug copays, etc. 3. Find a broker near you who specializes in health insurance specifically. Visit NAHU.org (see below), which is the professional association of brokers (like me) who specialize in individual & employer health insurance. 4. Alternatively (and if you're fairly confident of your expertise in this area) you can run your own quotes for him by visiting my site (below) or Norvax.com, an online quoting site. Hope this helps a bit!


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Posted by Health Insurance at 7:45 PM