Medical Ins

I recently switched jobs and had to find healthcare for myself... Golden Rule is the cheapest I found and they are an affiliate of United Healthcare, which give you trust in the name: www.goldenrule.com

~A.

Hey Michelle:
I listen to The Word 100.7 FM at work everyday. I listen to the Dave Ramsey Show. He has great advice on insurance, budgeting, finances, you name it. His website is daveramsey.com. The recommends a company called Zander Insurance. Go to zanderins.com. I trust the advice that Dave Ramsey gives.

Let me know if this helps.

Yes! You are entitled to 18 months of health insurance on your husbands policy--if you were alredy on it--from the date of your divorce decree through COBRA. I just went through this and got the details. If that has already run out, then call my agent that helped me find affordable insurance. Andrea Crawford at ###-###-#### (direct) or e-mail ____@____.com number may not work as I remember she was moving offices, so you may need to e-mail. There are no charges to you, so you might as well let an agent shop for you! Good luck! And tell her S. Havens gave you her name.

Kindly,

S.

I agre with the Unicare suggestion. I was on Cobra after I quit my job, and Unicare was actually much cheaper. It was even cheaper than what i was paying for my husband to be n my insuracne when I was traching (our whole family is covered for what I was paying for just him.) We pay 250 per month for a family of 4. When just my husband was covered, he was maybe $70. We have a pretty high deductible, but in my opinion it is well worth it, as paying a higher premium would make up for the deductible each year anyways. They do have loots of options as was mentioned, so you can pay more for a lower deductible and less for a higher one. Their website will give you instant prices without you having to give them your contact info (so no sales person will call you.) I have been very happy with them for the 2 years I have used them. They are a little cheaper than Blue Cross Blue Sheild. just don't get pregnant-Unicare will not cover maternity-no individual insurance in texas will without you paying a ridiculously high rider. That is the only reason I stayed on Cobra after I quit my job.

I have my son on C.H.I.P.S. They cover kids until they're 19 years old. I pay $10 for regular check ups & $50 if I have to take him to the hospital. The monthly income guidelines/limits for being elegiable is $2682 a month, (my husband & I both work & we still got on it.) Even if they don't approve at first, keep sending in appeal letters. Here's the phone number, I hope it's the right one. Good luck!! 1-888-814-2352

M. -

Call your current provider. It's been awhile since I've dealt with this stuff, but I'm pretty certain you can remain on COBRA. There are provisions for death and divorce, I'm just not sure what all they are. Your current provider can also tell you what they can offer you.

Don't overlook requiring your ex to be responsible for carrying your children on his policy. This is where it's a part of the child support arrangement.

If you know you will be eligible for insurance in the upcoming year or so, Unicare is a good short-term provider. Blue Cross Blue Shield also has very good individual rates. An HMO will be cheaper than anything else, so look into those, just make sure to check with your current doctors to see if they accept HMOs.

Good luck -

S.

my husband and my daughter are on unicare and it is pretty reasonable. you can go online and they have lots of options.

You can cover your children on Unicare with almost no hassle. Go to www.unicare.com and get a quick quote. You may have trouble covering yourself if you have pre-existing conditions, but you can put the coverage in your baby's name and cover both kids with no hassle. I cover three kids for $100 / month. Most pediatricians take it. Good luck.

Call Deann Jacobs at ###-###-#### and tell her Nikki Brooks referred you. Deann is a broker, so she works with ALL insurance agencies and she can definitely find you the best deal out there. What we like about her is that she calls her clients when she sees their insurer is having a rate increase and checks to see if there is a better deal out there, so we know we always have the best price/policy of the moment. She is very professional and will come to you to go over the policies before AND after the sale. We have been clients of hers for two years and are very happy!

for little man teething keep popsicles around to soothe his gums it works so does motrin for fever and pain keep rocking him.

for insurance just get on the web and search for family health insurance they will find you

for your heart not to offend you please forgive me if I do be strong in the Lord and in the power of His might. He is able to do exceedingly abundantly above all we could ask or think.

I am a single mother of a two year old girl and am six months pregnant but i made a vow now at 23yrs old to be strong and walk in obedience and things are working out for us if you want you could email me personally @ ____@____.com

stay strong and find ways to keep your mind at peace i know it's easier said than done but you have a friend in me i understand more than you know

M.,
I am a stay at home mom and not using my husbands insurance because it is too expensive. I checked into Unicare (http://www.unicare.com/)and Blue Cross/Blue Sheild of Texas (https://ratefinder.hcsc.net/ratefinder/ratefinder.htm). I ended up going with Blue Cross/Blue Sheild. They were a bit more expensive than Unicare but I liked the coverage better. Hope this helps. Let me know if you have any questions.
D.

I used to work in health insurance. You legally have the option to continue on your ex's COBRA for 36 months because divorce is considered a qualifying event. In the meantime, I would look to Blue Cross Blue Shield for affordable individual coverage. The website is www.bcbstx.com. I would also make sure your husband is legally obligated to cover your child through his employer-sponsored coverage. Get a Qualified Medical Child Support Order (QMCSO) if necessary. Ask your attorney if you haven't already. Good luck with everything.

I'm not in a divorce situation right now, but my husband lost his job and we've been on COBRA for a long time. In fact, it runs officially 18 months and then we got a 6 month extension which available within the State of Texas. In the case of a divorce, you are still by law able to keep the COBRA (with payment of course) until it runs out and in fact, I'm pretty sure that in a divorce situation that you can get an extension of up to 18 months longer than the original 18 months. I went to a website that had all the information on it for Insurance law in the State of Texas. I'll try to find it and send it to you. In the meantime, we're trying to find affordable insurance too, as today is our last day of coverage. HOpe this helps. L.

it is my understanding that you can continue COBRA benefits even longer than the standard 18mos due to the fact you're divorcing. I have a friend who was divorced but still had insurance through x's insurance and COBRA. I know that when my family and I were on COBRA, I was able to drop my coverage and my son's coverage but continue to keep my husband covered, even though I was the insured employee. I know COBRA is more than you're used to paying (you're paying for all coverage, even what the employer used to pay), but I also notice that you have a 9mo old who will continue to need shots. it might be worth the extra expense to continue the same care.

that said, I am now on a plan for self-employed persons. we have a high deductible, so my monthly fee isn't very high, but I pretty much wind up paying for our healthcare (up to the deductible, which we have yet to meet, $2500).

I was paying about $400/mo. for the family 2 1/2 years ago through my employer. I now pay about $100 for my son and I per month. for my annual exam at the ob/gyn's office, it's about $300 total. I pay about $125 each office visit for my son to see his pediatrician (I also have to pay for shots, but he's 2 1/2, so he's not getting many). I was paying $4800 a year just for the insurance, now I pay $1200 a year for insurance and a little over for what we have done. once I meet my deductible, I'm still paying $3700, which is less than what I paid when I was employed with a large company.

I hope all that isn't too confusing. if you need the name of an agent, I can look mine up and give you her name and number. I just thought you might want to exhaust your COBRA benefits before you do that. by the way, it worked out very well for my friend who was divorced. while she was still on x's COBRA plan, she remarried, got pregnant and had the baby under that plan. had she not been on COBRA, but self-employed, she'd have to pay cash to have the baby (about $10k).

let me know if you want my agent's name. or, if you want to do your own research, my husband is on Blue Cross Blue Shield, I am on Unicare.