Amy Said:

29 weeks pregnant. Is independent health a good health insurance?

We Answered:

You can easily check your minimal health care rates in internet, for example here - health-quotes.isgreat.org

Ivan Said:

If I file independent on my taxes can my parents still provide me with health insurance?

We Answered:

Do you live with your parents when you're not living at school?

If yes, how is it possible that you filed your taxes as a non-dependent?

If no, how is it possible that your parents are being allowed to claim you on their insurance?

Ivan Said:

is there anybody who can help me find low cost independent health insurance?

We Answered:

healthplans.my-age.net - my family have this health insurance. It is affordable and has good coverage for dental issues.

Darlene Said:

What's a typical cost for independent health and dental insurance?

We Answered:

The premium for your health insurance when you go out on your own will vary significantly based on your age and gender.

I have seen decent policys as low as $111 per month for a young male and over $800 per month for someone in their late 50's.

Keep in mind, when you are going into the self employed arena - and you are shopping for health insurance, you can not look at the benefits in the same fashion as your big corporate health insurance policys.

You need to look for the following:

1) minimal internal policy limitations - ie - limints on physical therapy, ambulance, in-patient hospitalization limits

2) Provider Network - make sure you get into a plan that gives you in network access to nationwide doctors

3) Rate guarantees - some carriers are offering 18 and 24 month rate guarantees

4) Get educated on Health Savings Account (HSA) qualified plans - they can save you significant premium and tax dollars

5) Pre-existing condition limitations - if you have pre-existing conditions, be sure to review any exclusions with the policy

6) Use a local broker / agent - they have the most knowledge regarding the policys that work the best in your local area.

Hope this helps

Erik Said:

Independent health insurance agent in NYC?

We Answered:

Try eHealthInsurance or MySimpleCard.

Kevin Said:

Should I be be careful with independent health insurance agents?

We Answered:

You went to an online place, looking for insurance. What those online places do, is harvest your personal information, and SELL it to agents, as leads. Your information is going to be sold to LOTS of agents - anyone who wants to buy "leads". You will get TONS of calls.

I'm an independent agent (but not for health insurance). Independents are fine to work with, they represent LOTS of companies. But IF you're going to use an Independent Agent, it only makes sense to use one NEAR YOU. Someone within driving distance, with an office, you can go to.

THIS one sounds like she's working out of her home.

And you ALWAYS pay the first month's fee with the application - you just make the check payable to the INSURANCE COMPANY (Cigna, Blue Cross, Aetna), not her.

You can find local, independent agents near you, at www.iiaba.net, using the agent locator button. They'll have real offices, and real addresses.