Am looking for health/dental insurance for my family in Colorado. My husband also has a kid in Florida and one in New York he has to have covered. We opened our own business and are looking for him to quit his job within the next 6 months. Any suggestions??
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Contact a local independent agent. This person can sell for most of the plans in your area and can find the best plan for your current situation. They don't charge you anything for the service. Do not try to do this over the internet unless you have several days to compare the hundreds of plans available. You will probably need separate plans for each kid because plans are different in different states. The local agent will be able to guide you there as well. You may get offers here from people trying to sell medical discount cards. Be very wary of them. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. One state couldn't find any doctors in that state that took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
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