Roy Said:

We need family health insurance but we have a very tight budget?

We Answered:

You should visit a local agent that works with all the major health insurance companies in your area. The agent can find the best plan for your situation and budget. There is no extra charge using an agent. Of course, just like buying a new car the cheapest won't be the best.

Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.

Pedro Said:

In California, are you required to have health insurance for your child if your job offers family insurance?

We Answered:

depends on your custody arrangement via the court order

but seriously, why wouldn't you list your children?

Stephen Said:

What would be the consequences of living without health insurance for my family?

We Answered:

healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.

Gregory Said:

How much is it for Blue Cross Blue shield health insurance (family plan) per month if you buy it on your own??

We Answered:

There are too many variables to answer your question. Each insurance company will have a number of different plans. The plans with all companies will vary by state and the premium will vary by zip code or county.

The premium will also vary by your ages, current health conditions, and your height and weight. It will vary by whether you want and HMO, PPO, or an indemnity policy. It will vary depending upon your deductible and if you want maternity. It will also vary by how comprehensive is the policy.

Visit a local independent agent. The agent can help you find the best policy for your situation and budget. The agent can also compare the BCBS policies with other companies in your area and can make sure your doctor will accept the plan you decide upon. The plans and premiums are exactly the same whether you use an agent or not.

Mario Said:

Is there family health insurance that covers surgery?

We Answered:

First, you're asking for spam links - and none of those will help you.

Second, if anyone already NEEDS the surgery, it's too late to buy insurance to cover that now. It's now a "preexisting condition", and you'll have to pay for it out of pocket.

Third, to purchase insurance when you've got so many choices to look at it makes your head spin, you probably need to talk to a local broker or agent. You can find one at www.iiaba.net . . . they will help you balance coverage and cost to find a plan you can afford. But it still won't cover preexisting conditions.

Edgar Said:

In Calif., are you required to have health insurance for your child if your job offers family insurance?

We Answered:

No