Friday, July 16, 2010

How do I choose a health insurance in USA and how much should it cost


How do I choose a health insurance in USA and how much should it cost?
I will be living in USA soon and need to choose a health insurance plan. I am 53 years old have type II diabetes and blood pressure for which I take daily medication. My wife 50 and children 21 and 18 are all in good health. So what should I do? Which insurance to choose? How much should it cost for the whole family for a year?
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Sorry to tell you this, but your type 2 diabetes and blood pressure may preclude you from finding an insurance company to insure you period. Your wife and children should not be a problem. I suggest you find a independent agent in the state where you plan to live and ask them on suggestions, but in the US, if you have a pre-existing condition could exclude you from buying health insurance, or may have to buy into the states high risk plan which could be pricey or could have a waiting list. You need to talk to an health insurance agent for costs. Now on the other hand, if you are coming here with a job and they have health insurance, then you will need to choose from the insurance plans that the job have selective, and then find out the cost from your employer. good luck
2 :
You're going to have a really hard time finding health insurance, unless you're moving here because you have a job. If so, your employer will be able to cover you on their group health insurance policy. Unless your kids are full time students in school, they'll need their own policies. The average family policy through an employer, costs the employee about $600 a month.
3 :
You have diabetes and take daily medication. No insurance company will want you. Take any insurance you can get. Do not expect to be able to "choose".
4 :
It depends on where you're moving (find a broker that does business there). You may need to live in the US for 12 months before a company covers you and the diabetes is likely to get you declined.
5 :
you may also go online to health insurance.many sites provide free health insurance quotes online at quite cheap rates.hope this suggestion would help

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Posted by Health Insurance at 10:36 PM