Health Insurance for my son?
Question:
Answer:
Have you checked to see if your son can be on your parents' insurance coverage?
If you qualify as a dependent under your parents' medical plan (I assume you're still in school, right?) , then your son should too. Do the two of you live with your parents? If you are dependent upon your parents to help support you, then so is your child.
Many insurance plans would consider your child a dependent of your parents, if he lives with them and is dependent upon them. Check into this, because if the insurance plan will allow your son to be covered, he can probably be added for no additional cost.
I used to work for a major insurance company...You should call around to all of the different insurance companies and ask for a quote on an individual and families plan (IFP). They will ask you several questions about what type of insurance you are needing and they will give you a quote. I would ask about the savings plans...when I worked there, there was a 2400 savings plan. It is a PPO plan (which means you can select any doctor and you do not have to get referrals to see a specialist). This plan has a high deductible (2400.00), but it has one of the lowest max out of pockets (I believe it is 3200.00). So, what that means is that if there was an emergency, you would need to pay the first 2400.00 out of your pocket (to the provider/hosp), but the most (max) that you would have to pay is only up to 3200.00. This plan is designed for those who only need insurance "in case there is an emergency" so it has one of the lowest monthly premiums. The savings plans also offer well child visits at a co-pay, but sick visits would be applied to the deductible. There are also other plans that have a lower deductible, but they usually have a higher max out of pocket then the savings plans.
Sorry this is a lot of info and can be very confusing...I used to take calls and explain the plans to customers all the time...if you need help just call and ask for the IFP departmen...some people feel that they are taking up our time by calling, but that is our JOB! If you don't feel like they are helping you ask for a Lead Rep. Hope this helps!
http://www.mrmib.ca.gov/
try this link
Well, really low cost - like $100 a month or less - is going to have a really high deductible - like $4,000, before the insurance kicks in.
But a local, independent agent should be able to get you quotes. BE SURE TO BUY FROM A LOCAL AGENT, not off the internet. That way, your in network emergency room isn't 300 miles away.
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