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| *Ostroff, Fair and Company>>>Insurance |
I am an adult male married w/ 2 children, where can I get the best health insurance for my family at the best? |
rates? Also, how about good rates on Dental and Vision too? Look on ehealthinsurance.com Find an independent insurance agent. (They will advertise themselves as independent.) That means they can shop around for the best rates for you and your family. The might get quotes from as many as six different companies. Also, think about how much you are willing to pay for your deductable and co-pay percentage. The more you are willing to pay the cheaper the insurance.. if your job does not offer health insurance, for the time being don't be too proud to go down to the medicaid office the offer dental and vision and you can be working there health insurance is good they have healthplus,wellcare and many other insurance once you get approve you can pick your health provider ok. Greg- If Health ins.is available through your employer that is your best buy and broader coverage. If you are self employed or coverage is not offered by your emplorer, Contact an insurance broker who sells for several companies First. If you deal with an agent who sells for only one or two co. you cant compare very well. There are a lot of difference in prices for like coverage . You can also get on the Internet and do comparisions. If you have a partnership there are co that offer group coverage with 2 or more people. Good luck From a retired Ins Consultant. What is your income? Do you not have insurance available through your work? Contact a local DSS agency if your income is low and see if you qualify for any benefits or help. Private insurance can be SOOOO high. It can be extremely hard being a family and needing insurance. A lot of state benefits are based on your wages. Sorry to answer your question with more questions, but more info. is needed. Like income, state, place of employment, etc. Lots of great suggestions from other members, I will give you my expert advice. First are you self employed? Lets presume you are, then you will be able "if you are making enough earned income" able to write off the premium of health insurance at 100%. Additionally, I would highly recommend anyone self employed or anyone earning income to look at opening a Health Savings Account for your family. The incredible part of a HSA "health savings account" is that you can actually reduce your gross income by you contributing or funding your own HSA account "similar to a IRA" except even better because any monies used for eligible health conditions can be used without paying any penalties or tax's, also any interest earned is not subject to Federal income tax. I would say do some homework, a good writer on health insurance is Paul Zane his advice is great. What shocks me is that people will spend months even years researching a new car purchase, but when it comes to health insurance they call or go online and spend a few minutes picking out something that has the ability to change a life. Please take the purchase of a health plan serious, make sure your plan is not a fee schedule type of plan. Happy Holidays www.HSAInside.com Rudy Rivas, President Health Insurance National Speaker Only Congressional Awarded health agent in America 2005 Ronald Reagan Gold Medal Recipient www.HSAInside.com |
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