Health Insurance for a family of 4?? Help?

Help........I need health Insurance for a family of 4...
I dont work and my husband's Company doesnt Offer Health insurance...We have 2 little Kids ages 4 and 3..we need health insurance for a family of 4 we live in california between sacramento and san francisco....Can anyone help me by telling me who they use? and what can i expect to pay for a family of 4

You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than Â½ after I did.

Go to: http://www.insureme.com/landing.aspx?Refby=616163&Type=health

Take care,
Casey

A lot depends on the state you live in. Each state has different limits on what companies can charge. I am in the same situation and bought a policy from Aetna through www.ehealthinsurance.com. It was pretty easy to use and you can get a quote very quickly. There are tons of different policies available that suit different needs. We usually have cash in savings so I chose a lower premium with higher co-payments for services. I also knew that with 4 kids I needed unlimited office visits! They also have a # you can call if you get confused about all the options.

Good Luck!

Hi....My name is Jeff and I am a licensed Health Insurance agent. The company I work for has a website that will show all of the plans across all insurance carriers in the State of California. All you need to do is enter in your zip code and your families information (age, gender, etc...) and you will see ALL plans available to you in your State along with the monthly cost and the ability to enroll online. To get there follow this link: http://family.millerwade.com/quote.php

Good luck....our website has our office number....If you need any further help call it and ask for me.

When you donâ€™t have money to get the care you need, here are some free resources for you, read through them, and pick up the phone, and get your needed help.
http://www.nlm.nih.gov/medlineplus/financialassistance.html
http://ask.hrsa.gov/pc/
http://www.omhrc.gov/templates/browse.aspx?lvl=2&lvlID=18
http://www.hrsa.gov/help/default.htm
http://www.thefrugallife.com/medicalalternative.html
http://www.google.com/search?q=Free+Low+Cost+Medical+Health+Services+&hl=en&client=firefox-a&rls=org.mozilla:en-US:official&start=10&sa=N

Free and low cost prescription medication:
http://www.xubex.com/
https://www.pparx.org/Intro.php
http://www.nami.org/Template.cfm?section=about_medications&Template=/ContentManagement/contentDisplay.cfm&ContentID=19169
http://www.themedicineprogram.com/links.html

http://www.cancer.gov/cancertopics/factsheet/support/financial-assistance

Financial Assistance and Other Resources for People With Cancer:Cancer imposes heavy economic burdens on both patients and their families. For many people, a portion of medical expenses is paid by their health insurance plan. For individuals who do not have health insurance or who need financial assistance to cover health care costs, resources are available, including Government-sponsored programs and services supported by nonprofit organizations. Cancer patients and their families should discuss any concerns they may have about health care costs with their physician, medical social worker, or the business office of their hospital or clinic.

This is about FREE hospitalization, if you need it and they WILL help you!
http://www.hrsa.gov/hillburton/default.htm
Hill Burton Hotline
1-800-638-0742
(1-800-492-0359 in Maryland)
In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the facilityâ€™s area. The program stopped providing funds in 1997, but about 300 health care facilities nationwide are still obligated to provide free or reduced-cost care.
http://www.hrsa.gov/help/default.htm
Medicaid is for people under 65, medicare is for the seniors.
How to apply for Medicaid or medicare
http://www.cms.hhs.gov/MedicaidEligibility/
http://www.aarp.org/money/lowincomehelp/applying_for_medicaid.html

For information about Social Security, Medicare, and disability benefits, call the Social Security Administration at 800-772-1213.
http://www.ssa.gov/

For information about Medicaid, contact your local social service or welfare office. You can also find information about Medicare and Medicaid at www.CMS.gov

How To Pay for Mental Health Services
http://mentalhealth.samhsa.gov/publications/allpubs/KEN98-0050/default.asp
http://depression.about.com/cs/findadoc/a/freelowcosttx.htm
Additional Public Benefits for Families Raising Children: http://www.nlm.nih.gov/medlineplus/financialassistance.html
DENTAL HELP:
Free or low cost dental care United States
http://www.nidcr.nih.gov/NR/rdonlyres/53F91091-23DB-47F3-8782-6572C33F9D42/0/LowCostFactsheet.pdf
http://www.raconline.org/info_guides/dental/dentalfaq.php
FREE AND LOW COST DENTAL HELP FOR DENTURES , BROKEN TEETH , PAIN , ETC.
http://dental-assistance.app-sl-1.aidpage.com/dental-assistance/

Need eyeglasses or eye care?
http://www.nei.nih.gov/health/financialaid.asp
http://www.uniteforsight.org/freeclinics.php

Free Mammogram:
http://www.cdc.gov/cancer/nbccedp/
How to Get a Free or Low Cost Pap Smear, The National Breast and Cervical Cancer Early Detection Program provides free or low cost Pap smears to eligible women across the country. Through this program, uninsured and impoverished women can receive Pap smears at local clinics and doctor's offices.
Hereâ€™s a list for every state:
http://cancer.about.com/od/screeninganddiagnosis/a/freepapsmear.htm

Where can I go to get free or reduced-cost prenatal care?
You can call this number if you need free birth control help, too!
Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy.
To find out about the program in your state:
Â· Call 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code
Â· For information in Spanish, call 1-800-504-7081
Â· Call or contact your local Health Department.

I also have a family of 4 with two small children ages 3 and 2. We use a plan that is $59.95 a month for our entire household. It covers medical, dental,vision, prescription and chiropractic care. You can read more about it at the following site:
http://mybenefitsplus.com/mlein
Good Luck :)

http://www.healthyfamilies.ca.gov/hfhome.asp

is the website for free or low cost children's health insurance, if you qualify. It's a great plan, and usually includes dental.

If you buy a family policy, it's probably going to run you about $1100 a month, and everyone has to be pretty healthy in order for you to get approved. At those rates, you could afford a $5,000 deductible on a major medical policy, and save some money.

As far as where to buy it - go to a local, independent agent. They'll know who's competitive in your area - and more importantly, who the local docs take for insurance.

DO NOT buy health insurance off the internet - you've got a great chance of getting scammed that way. AND, do NOT confuse a "health discount plan" with "health insurance". They are NOT the same thing. The health discount plan is a SCAM!!

Oh, if you really, really can't afford the health insurance rates, but don't qualify for CHIP, you *might* want to consider the medishare program, if you qualify. http://medi-share.org/ is the link for that.

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