Self Employed Health Insurance? | Insurances Reference Information
by admin on Apr.30, 2010, under Life and Health insurance
Sonia – If your father has not done so yet, he should consider accepting the Cobra or state continuation plan, at least until he gets other coverage. In the meantime, here’s a few tips:
1. Find a local broker near you. Go to NAHU.org (see below) to find one close to you. NAHU is the professional association of brokers, like me, who specialize in health insurance.
2. Go online and get some health quotes from other companies. Visit my site (below) or an online quoting site like Norvax (also below).
3. Get a plan with a big deductible (and, therefore, lower cost), like $2,500 – 5,000. Even with a larger deductible you can still get a plan that will give you the things you want, like doctor & drug copays, etc.
4. Stick with “brand name” insurance companies like Blue Cross, Aetna, United Healthcare, etc. There are a lot of “lesser” companies & plans that look good on paper but, should you have a big claim (which is, really, why you have insurance) you’ll often find them hard to deal with.
5. Most health companies also offer dental options, but few offer vision plans, too. You may want to consider a discount dental/vision plan instead of a “regular,” insured plan. Consider plans with the Careington Group (again, see my site below).
Hope this helps a bit!
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