Best health insurance, if your unemployed, and already have health problems?

What is the best health insurance for yourself if you do not have a job but can buy health insurance (husband works) and already have pre exsisting health conditions (hypothyroid, PCOS) and you do not want to pay much out of pocket when you goto the doctor or for RX's? I do not know ANYTHING about insurance I have never had it!

Can you get insurance through your husband鈥檚 work? That would probably be the least expensive route. If you want insurance on your own, the best place to start is by doing what you鈥檙e doing now 鈥?asking for personal recommendations. What kind of health insurance are you looking for? It might be a good idea to jot down a list of the different aspects of a health plan and then chart the differences between various plans you come across. Here鈥檚 an example:

路Monthly price (premium)
路Yearly deductible (amount you spend before the insurance company will start paying)
路Copay amount (amount you pay per service)
路Coinsurance amount (amount you split with the insurance company 鈥?usually a percentage; i.e., you pay 20 percent and the insurer pays 80 percent)
路Freedom of choice (can you visit whatever doctor you want?)
路Preventive medicine and routine doctor visits (does the plan include these?)
路Mental health (included in the plan; copay amounts; maximum number of annual visits).

I鈥檇 check out Consumer Reports (link below), US News & World Reports (link below), and whatever other informational resources you can find. I鈥檇 also talk with locally licensed health insurance agents. I鈥檝e also included a couple of articles about choosing a health plan that might be useful. They are government-authored, but they鈥檙e actually pretty good (all linked below). I鈥檝e also included a link to a PCOS support site (link below).

HMOs (health maintenance organizations) are popular right now, and they usually include mental health coverage in their plans. A typical example is that you would pay a monthly fee and then a copay when you visit your therapist (usually around $50 for a plan with low monthly payments). One potential problem, though, is access to physicians. An HMO might not have the kind of mental health specialist you鈥檙e looking for. For more choices, you might opt for a PPO (preferred provider organization) or a traditional fee-for-service plan.

You should try visiting MostChoice.com. It鈥檚 a Web site that helps you shop for health insurance. They have free instant price quotes and policy information on health plans near you, but their specialty is getting you in touch with state-licensed agents. There鈥檚 no cost or obligation to buy insurance. You just fill out a short form and wait for the agents to contact you (within 48 hours). Have your questions ready and let them work until one of them delivers the plan that鈥檚 right for you. You might want to have a set amount you want to spend each month on insurance and tell the agents to work within those parameters.

You can find MostChoice here: http://www.mostchoice.com/health-insuran...

Hope this helps,
Barnes @ MostChoice

Welfare

A gun and one bullet... you decide where it goes.

yups.. medical.. and moving to canada would help

Apply for a state issued medical card.

Can you be covered on your husband's policy at work. If not check to see if the you qualify for any state programs such as insurance at a reduced rate. if not then check for health insurance programs used by people who are self employed.

yeah, go to the office of temporary assistance and apply for Medicaid. You may not be elligible for Medicare. Ask an advisor though.


and don't listen to these guys.... immaturity never got anyone results.

contact your state agency for medicaid. I believe you can get insurance this way if you have pre-existing conditions. Regular insurance will almost always turn you down, and if they don't they will anally rape you for it. Can your hubby get a job with insurance? That way you can be covered as a spouse.

Oxford insurance, work in many hospitals