I live in california and I need health insurance for both my son and me, where can I get coverage?

Question

Does anyone know where I can get a great medical and dental insurance plan for myself and son? My new job doesn’t offer any kind of insurance until one year of employment. In the mean time, I need insurance for the both of us. So is there any plan that I can pay out of pocket which covers everything.And how much does it normally cost and what would it cover???

Answer 1

You can get it through a Broker, which I would recommend even if you're not choosing my firm, or you can get it from the carrier directly.

http://www.BlueCrossCA.com

http://www.BlueShieldCA.com

http://www.healthnet.com

http://www.Aetna.com

http://www.tonikCA.com

I like Aetna's preventative benefits on their individual plans.  Depending on your age, your son's age and what kind of coverage you want, the price will vary anywhere from $61/per person on up.  If you would like assistance with this search, I would be happy to assist you.  Contact me at your convenience.

Answer 2

try healthy families for your son and try to get medical for yourself

Answer 3

www.ehealthinsurance.com

this is the best website for finding insurance.  and it's all web based so you dont have to worry about annoying brokers bugging you.  

the general rule is "the more you pay with you monthly fees, the less you pay for medical services."

what you want to look closest at is Deductible and Out-of-Pocket-Max.

Deductible is what you have to spend before your insurance starts covering you.

Out-of-Pocket-Max is the highest your medical bills can get in a year.

good luck

edit:

someone above me mentioned healthy families for your son.  that makes good sense financially.  their premiums are $5 or $15 per month.  there is a financial qualification for that plan, tho, but it's very good and inexpensive coverage for your son.

Answer 4

Nothing covers everything, there are always copays and coinsurance.  If you go for an HMO plan, you MIGHT be able to find one with no deductible.  If you're30 and healthy, and your son is healthy, it's going to cost you about $500 a month for the both of you.  If you want to take on a $3,000 deductible, you can probably cut it in half.   If one of you isn't healthy, expect them to either refuse to cover preexisting conditions, or flat out refuse to give you a policy.

That doesn't include dental.

I haven't found a private dental policy that pays out more than it costs.  

To find that health insurance policy, call a local agent - start with the guy that does your car insurance, and if he doesn't sell health, ask him for a referral to someone who does.

Answer 5

www.healthnet.com

800-438-7886

Answer 6

Use yellowpages.com to search for health insurance brokers in your area. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state.

Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance. These areas of insurance even require separate licenses.

I have seen plenty of dental plans that pay out more than they cost. For example for a dental plan that cost $32 per month you get two free cleanings per year and up to $1,500 in benefits for fillings and surgery. If you go to the dentist and have your teeth cleaned every 6 months you will come out ahead.