Health Insurance Plans For Children

Betty asks…

What’s the best health insurance plans for a husband, wife and 2 small children?

In Oklahoma. Been looking it up but don’t know one thing from another about determining the best plan. Any suggestions? Thanks.
I don’t work and hubby co-owns a business with his father and they don’t have insurance either. Don’t ask me why they don’t, cause I couldn’t tell you, lol.

Chris Station answers:

In my area there are over 1000 variations of health plans available with numerous companies. Unless you have a lot of time to sit and compare them all you’ll be better off to visit a local independent agent. This person knows the market in your area and can find the best plan for your situation. They don’t charge you anything for the service and they’ll be there to help if you have questions during the application and underwriting process.

Be vary wary of medical discount plans. The people that sell these plans have little or no knowledge about the health care and insurance industries. They have little training and aren’t licensed. The plans are not registered with the state so you have little recourse when you have a problem.

If you are tempted by a discount plan get a list of doctors from them before signing up. Make sure the doctors on the list are local. Call some up to verify that they’re accepting the plan (most will not have even heard of the plan) and if they’re taking new patients. Ask them how much an office visit is both with the plan and without.

A good rule of thumb – if the application fee is greater than $25 you can bet it’s a scam.

William asks…

Is the bipartisan children’s health insurance plan a good thing for America?

…Even though Bush vetoed the plan twice?

“That is why I am pleased that the Senate has joined the House in passing bipartisan legislation to provide health insurance to children whose families have been hurt most by this downturn.”

Former President George Bush vetoed two similar bills in 2007, arguing at the time that the legislation would have encouraged families to leave the private insurance market for the federally funded, state-run program.

The vote in the Senate was 66-32. All those voting against the bill were Republicans, but nine Republicans voted in favor.”

” SCHIP covers more than 6 million children whose parents earn too much to qualify for Medicaid — the federal health insurance program for the poor — but who can’t afford private insurance.
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The bill’s supporters say it would extend the program to an estimated 4 million additional children, paying for it with a 61-cent-per-pack increase in the federal tax on cigarettes.”

http://www.cnn.com/2009/POLITICS/01/30/obama.schip/index.html

Feel free to qualify your answer by saying why, or why not.

Chris Station answers:

Absolutely I’m for it. I don’t understand the whole deal with taxing the crap out of cigarettes, though. There are hundreds of other things to tax. Just off the top of my head: what about liquor?

Mark asks…

Supplemental Plan for Children’s Health Insurance Program?

My child is enrolled in the children‘s health insurance program (CHIP) and some of her claims are not fully covered by CHIP, are there any supplemental programs or plans available to her? (For example, my grandparents are enrolled in medicare and have a plan called Care Improvement Plus that compliments her Medicare coverage) Do you know of any companies or programs that would do that for kids? or can they do that?

Chris Station answers:

Healthquotes.awardspace.info – here is my health insurance plan. As I remember they can provide such a service.

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