Need Health Insurance

We used Farm Bureau when faced with a very similar situation. They have a short term policy with TRH that is very reasonable, and no medical exam. They offer 60, 90, 120, and 180 day coverages. You choose either the $300 or $500 deductible option.
For a 120 day policy, $300 ded.: 6 yr old $141.30,
39 yr old $197.38
$338.68 total

Hi Amber, I am not sure what direction you need to go, but let me tell you, where I work family coverage is a soaring $650.00 a month!!! Luckily my husband's is way cheaper and we pay $273.00 a month for family. If you do decide to go with an individual policy scope out the benefits. I work in an anesthesia billing office, and all too often we have claims deny because it was an individual policy and does not cover anesthesia. These types of claims can be pricey as they are billed in minutes. They will cover the surgeon, but not the anesthesiologist. And then some policies will cover the surgeon but will only allow (not pay) 25% of the surgeons bill for the anesthesia. This leaves a huge balance in both cases for the patient to pay. Just make sure all providers of specialty are covered before choosing a plan.$200.00 does seem like alot of money to pay for premiums, but god forbid if something terrible were to happen and he had to go into the hospital, at least you know that he has decent coverage that will pay more.

Amber...

I am actually an insurance agent and work for a satellite office for BCBST. There are plans that aren't as pricy, and that don't offer the copays (that lower the monthly premium).
We also offer Humana. There are short terms out there that only cover catastrophic issues.

You should give us a call....

###-###-####.

Thanks,

T.

I used The MEGA Life and Health Insurance Company for my family, because going through my work was too expensive. The co-pay is $20 and you can build whatever plan you want.
Their address is 9151 Boulevard 26
P.O. Box 982010
North Richland Hills, TX 76182-8010
Phone: 1-800-527-5504
I think they have a website too. They were very reasonable. But were terrible on my maternity coverage. Fortunately your husband won't need that! :0)

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I am in the same boat. My husband and I can't afford health insurance right now. We have two children and we are looking for something for them. I saw that you had applied to allkids. Is that just for the state of Alabama? Do you know of any other insurances that are not that pricey for kids? I had looked on BCBS for us as a family and it was like $350 a month. I just can't afford that right now. I have heard of people just getting hospital insurance, to cover major medical problems. I am not sure if that will help or not.

I've been in the Medical Billing/Collections business for 7 years and your plans like BCBS, Aetna, United Healthcare, Humana while may be a little more pricey on the premium side are good companies and your safest bet. Just a professional opinion from someone who works in the industry.

Amber,
Please contact me.I am an Independent Business Owner with Ameriplan USA. We offer discount health benefits to individuals not able to afford insurance.I would love to speak with you regarding helping you and your family save money and make money as well! Our package for a household(anyone living under your roof) is $59.95,no copays,no waiting period,no age limit, all ongoing conditions are accepted.Plus you receive dental,vision,prescription,chiropractic + more free with the medical benefits.Please take a look at my website and give me a call. I'd love to get you and your family signed up!

God Bless!
J. Brown
____@____.com
www.everyonebenefits.com/40473157

Amber,
My husband has been self employed for a couple of years now and health insurance kills us. I would say if your husband is a healthy person I would look for a policy that covered if something major happened. Look for an agent that sell from more then one company because they can shop for you the best plan and cost.
Good luck
M.