I need help finding a health insurance for my family.?

Question

My husband works in Europe so we get free health care, but we are in America for 3 months out of the year. We live in New York State. What is the best short term health care to get?

I want a service that will make up pay about $20 per doctors visit and will make presecriptions cost, at the most, $8. I had BlueCross when I was under my parents insurance and this is what we paid for their service.

I know nothing about health insurance so I need help. It would be me, my husband, and our son covered.

Answer 1

Short term medical policies are usually high deductible policies, for emergency care only. In my locality I found one ( http://www.rghins.com/ ) for my purpose.

Answer 2

This can't be answere without knowing which State you live in for those three months. Every state has different laws whhich greatly affect the policies and premiums. I have a person who does short term policies, but just for CA, HIi, NV, Or, WA.   Her name is Lisa and call her at 1-800-611-9057 her exentsion is 123 then push the # button. Good luck!

Answer 3

OK, short term medical policies are usually HIGH DEDUCTIBLE policies, for emergency care only.  I don't know of ANY plans that have $8 prescriptions, ANYWHERE.  

I think you've got some seriously unrealistic expectations.   I strongly suspect that your parents' costs were subsidized by their employer.  

A private family plan, with the coverages you describe, is going to run about $1200 a month.  No maternity benefits, either.  AND, if any of you have anything wrong, like you need maintenance prescriptions, likely they won't cover you at all.

You'll have to talk to a local agent, who can ask even more questions, and balance coverages with cost.

Answer 4

talk to friends & family for referrals.

Answer 5

get progressive