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Health Insurance Quotes For Children Only Question & Answers

2013 August 14
by Sarah Fields

George asks…

What health insurance company is best for a child?

I am looking for a good and reasonably priced health insurance provider for my 9 year old son. Insurance through my work is outrageous so I’m looking for an outside provider. His mother is suppose to have already put him on CHIP with the state of TX (by court order) but she refuses to do so for some reason. I hate the idea of him being without health insurance. Anyone had any good experiences with certain companies? Any suggestions or feedback would be greatly appreciated.

Sarah Fields answers:

State health plans are often among the best coverage, least expensive plans around for kids. However, if that’s not an option (as you’ve indicated), then check into an individual plan for your son. As you found out, putting him on your plan at work will probably give him pretty good benefits, but group plans usually assume that, on average, there will be 2.2 kids/employee; therefore, someone with 1 or 2 pays more while someone with 3 or more pays less (hey, that’s how insurance works: it “averages” things out across a lot of people). However, by buying an individual plan for him you’ll only pay for “his” coverage. Further, you’ll be better able to get a less expensive plan that might be better suited to his actual needs. Here’s a few tips:

1. Try to figure out “how much” health care he generally uses. Don’t buy a really dynamite plan with a lot of bells & whistles if he’s unlikely to use most of them. Remember, the point of “insurance” is to handle expensive items; coverage for the more “routine” stuff is really just “health care financing.”
2. Even if you buy a plan with a higher deductible (like $2,500 – 5,000), you’ll still probably get those things people use mainly, like doctor and generic drug copays, etc.
3. Find a broker near you who specializes in health insurance specifically. Visit NAHU.org (see below), which is the professional association of brokers (like me) who specialize in individual & employer health insurance.
4. Alternatively (and if you’re fairly confident of your expertise in this area) you can run your own quotes for him by visiting my site (below) or Norvax.com, an online quoting site.

Hope this helps a bit!

Mandy asks…

Can I have two health insurance coverage under the same plan?

I currently have an individual health insurance plan which I pay for with payroll allotments remitted by my employer to the health insurance company. My spouse and child are enrolled as my dependents under this plan so it is a family plan. Is it legal for me to purchase another individual health insurance plan from this same health insurance company, but this time just for myself so a single plan? I would be the subscriber for both plans. Is there a regulation that limits the number of plans that I can purchase for myself?

Sarah Fields answers:

I was thinking that it would be too tedious to enter all my info to get insurance quotes using my phone, but it wasn’t that hard. It took about five minutes to finish inputting the required info. I started getting quotes emailed not too long after I finished. I found cheaper insurance using it. Thats all I wanted so I am happy with it.

Joseph asks…

Is President Bush out of touch with American desires or does he have his finger on the pulse of America?

The President recently vetoed a health insurance plan for low income children. Now this is only a partial quote:
“Poor kids first,” Bush said. “Secondly, I believe in private medicine, not the federal government running the health care system.”

If poor families can’t afford health care with a government assisted health plan what chance do they have in affording a health plan if it is completely privatized?

I am interested in your thoughts.

Sarah Fields answers:

Since president bush has been in office I’ve become more and more embarrassed and ashamed to be an American. How can our country be this way?? Why?

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