can anyone suggest health insurance covering me (32 yr), wife (27 yr), my father (69 yr), mother (64 yr)?

Question

any medical insurances covering both prehospitalization and post hospitalization charges and how long is the lag period for me to actually get the insurance once i insure my family

Answer 1

First off, ask yourself what needs do you have? Lets take each case, first your father is over 65, and he may or may not qualify to Parts a & b & d of medicare, check into this first. Then depending where your father lives, (presuming he has Medicare) he can purchase a Medicare Supplement plan, or the more popular HMO Medicare plans. I would suggest you contact medicare to find out if your father qualifies for medicare, and also ask what is available in your state for his options. I could go on for hours about the differences on HMO and Supplemental plans- if you have more questions contact me. Next, mom is 64, so when she turns 65 she will also be eligible for Medicare "again check with medicare" so her needs will be different than yours- it will depend on her health needs, what dr. she sees as far as the policy type I would recommend. Last you and your wife, both of you are in the Child bearing years- so if you are thinking of having children in the future please make sure the policy you pick will cover maternity, many new plans do not cover maternity. When looking for a Health Insurance plan, lots to consider:
a. Is your a Dr. a provider "PPO or HMO" this will dictate the type of plan to pick from.
b. Do you want to prepay for services and pay a Copay for Services? (HMO, which are normally higher premiums, because a portion of your premiums is paid directly to the Dr. you pick)
c. Would you willing to pay more out of pocket with copays, and co-insurance (normally a percentage of the negotiated rate varies between 10-40%) in order to select a wider number of physicians (PPO), most PPO have thousands of Drs to pick from.
d. Premiums, Premiums, Premiums, set your monthly or yearly budget for healthcare costs.
e. Gaining popularity in the health scene is "Health Strategies", normally this means HRA or HSA plans, or what I call a Self Funded type of plan, coupled with a High Deductible. With this type of strategy the consumer "YOU" act like a health insurance company- you see health insurance companies re-insure, this means they take out policies with Lloyds of london and others to limit liability. With this type of plan, you take on a high deductible and pay out toward this deductible during the year, put money aside "ex. HSA non taxable in most states" to save for your deductilble, health insurance co's call this "reserves" most have billions in reserves, so it is not hard to figure that the odds are on your side that you will "accumulate money".. remember the health insurance corps are not into it to loose money. Smart consumers throughout America are switching to Consumer driven type plans, as HSA eligible plans. I would suggest going to my website www.HSAInside.com or calling me direct for any questions.

Rudy Rivas, President
www.HSAInside.com

Answer 2

Maybe, try medicare for your parents. But, you are looking for insuruance for everyone in your family. I would try blue cross blue shield, try Alfa health insurance. I am not sure about the prehospitalization and hospitalization but I am sure when you contact either Alfa or BlueCrossBlue shield they will help with your questions. I hope this helps and good luck!

Answer 3

$59.95 for your entire household. pre-existing conditions,hospitalization, labs ,x-rays, etc. are covered http://mybenefitsplus.com/40436527 click the health box on your left for more information

Answer 4

Heres a web site you can get quotea from...
http://www.ehealthinsurance.com/