Insurance for Self-employed Moms

My position has been eliminated and the out placement service gave me a website that offered list of insurance companies that offer private or individual insurance. The website is www.coverageforall.com. I hadn't check it out for myself as of yet but maybe it has some benefit for you. Good luck!

H. -- Congratulations on your decision to be a WAHM. I acutally made that decsion 18 months ago and have never looked back. It's not always been easy, but it's been worth it.

I am an insurance agent with over 16 years experience. If you would like to discuss your options in more detail, PM me or email me at ____@____.com.

I will be glad to point you in the right direction for your's and your family's needs.

H.,
Many people find that Health Insurance is not affordable for their financial budget. They end up buying high deductable or catastrophie policies. I market a discount Health and Dental plan and would to glad to speak with you or send more information. This is NOT Insurance, it is Fee For Service. We can save you up to 80%. Immediate participation and covers entire household for $39.95!! It includes Dental, Vision, Prescription, Chiropractic, Doctor visits, Ancillary ( all those extras, such as MRI, Sona Gram, Mamogram,lab work etc.) Hospital Advacacy, and 24/7 Nurse Hot Line. No Limits on services. The Savings is incredible! CLICK on my website at http://www.mybenefitsplus.com/ncarson or call N. ###-###-####.

H.,

I market a discount medical and dental plan because most people find they can not afford insurance premiums. Huge savings with my plans. Our plan is $39.95 a month for everything. Please call me and I will send you our information to review, or you can go to my website.

D. Kinder
###-###-####
www.debbiekinder.net

I just applied for a great Cigna plan (there's a $5000 deductible for hospital, etc. but I get doctor's visits and prescriptions with only a copay) for $164/mo. on eHealthInsurance.com.

Good luck!

I would highly recommend you to Glenn Bates with Covenant Health which is also listed on Mamasource. I have used Glenn, he is a honest, professional, knowledgeable and will show you all your options not just one solution. You could reach him at ###-###-#### or ____@____.com took me about 4 weeks to get approved. Hope this helps.

Thanks!

Hi H.. I am self-employed and have myself and my son on Blue Cross Blue Shield (individual policy). Your premium will depend upon how high you want your deductible (ie $500, $1000, $1500, etc...). My deductible is $1500 and I pay $440/month. Keep in mind that is was much lower when I first started (I've been in business about 5 years), however BCBS goes up every renewal period.

I wish I could tell you that there is a great policy out there for self-employed people but I have yet to find one.

Can you get on your husband's policy through his work. That would be your best bet if it's not too pricey.

On another note...welcome to the world of the self-employed Mom's. I'm part of a networking/support group of women who are mothers and self-employed called the Network of Enterprising Women. Check us out at www.ntxnew.org and when you are up and running perhaps you can visit with us at a meeting.

Good luck on your new business!

Sincerely,

K.

I've been researching policies for 2 years and they are all expensive. Keep in mind that when you get an individual policy, they don't cover maternity, unless you pay a LOT extra (some of the policies it was almost twice the monthly premium to add maternity, with large deductibles). So if you're wanting to have more kids, that's something to think about. www.ehealthinsurance.com was a good resource, though, and I saw lower prices on that site compared to others. Even though your husband's insurance is more expensive, it might be better than an individual policy b/c of the deductible rates and what it covers, so do your research and compare the policies carefully to see which would be best overall in coverage, not just price.

Good evening,

H., My name is G. Bates. I am an Insurance broker here in the North Texas area and specialize in individual health plans. I know every policy there is within Texas, I consider myself an expert at what I do, which is to protect families against the lousy policies that are promoted as CATASTROPHIC plans in Texas today. If you really read the fine print of that policy you will see that it offers your family no protection against major illnesses like cancer, heart attack or stoke just to mention a few of it's holes where they don't pay. There are many articles out there today that say exactly what I am telling you to be true. Below I have pasted a link to the 4-6-09 CBS Morning News Show where Harry Smith and Consumer reports comments on the very things I have told you about above. If having a TRUE MAJOR MEDICAL plan that covers the BIG STUFF that none of us can afford then we should have a conversation. If you provide me with an email where I can send you attachments I am more than happy to email you several articals that validate what I am telling you. You can find me on mamasource as Covenant Health & Life.

http://www.cbsnews.com/stories/2009/04/06/earlyshow/healt...

God Bless,

G.

Congrats. That is so exciting to be a SAHM. What a blessing. My husband sells health insurance. He would love to answer all your questions! Jerel Curtis ###-###-#### God Bless You! T.

Hi H.,

My husband sells insurance and would love to help you out. His name is Matthew and his phone number is ###-###-####. Good luck and have fun being a stay at home mommy! :o)

when we had private insurance we were with unicare. it is very affordable but you get what you pay for. it wasn't the best insurance but it wasn't that bad either. I am pretty sure blue cross has a private insurance too. i would check that out. From my experience if you are willing to have a least a $2000 deductable it can be very affordable. good luck!

we have blue cross blue shield. my husband is self-employed & i stay home with our two little ones, so we're grateful to have qualified for an individual policy. it does cost more (a little over $300/mo) - and like i mentioned, each person has to qualify - but once approved, it is really an added sense of security to know we have it no matter what the job situation for me or my husband (as long as we pay the premiums).
HTH & congrats on your new venture!!

If you qualify for COBRA, go for it. It is normally fairly expensive, but due to the new stimulus plan, the govt will cover 65% of your COBRA payments for 9 months....making it affordable. This gives you breathing room to find the best individual policy. Good luck!

H.,

I am not sure what insurance to go with, but I do know that after you quit, COBRA comes into action. You have the option to continue on with your current insurance (for your previous cost, and the cost that the school district paid) for one year I think.

For sure, ask HR about this, but it is an option for you so you can still be insured.

Hi, H.. I wanted to respond to Linda K's post regarding the new stimulus plan and COBRA... 65% of your benefits will be paid for you only if you loose your job "due to involuntary termination of employment". If you quit your job, you will still be eligible for COBRA, however you will be responsible for all of the premiums. Here is a link to the Department of Labor's website if you need more information.
http://www.dol.gov/ebsa/COBRA.html

I went through the same thing. BCBS was who insured me and our son through our school district while I taught, but I did not stick with them after deciding to stay home. John Gooden was referred to me by a trusted relative. He was extremely patient and diligent. You can email him at ____@____.com. Congratulations on your transition from full-time workplace to full-time home!

I have a friend who sells private health insurance. She is really good at what she does and really easy to work with. Even if you just want to get a quote, she can help. Her name is Jan Pajakowski. Her ph# is ###-###-#### and her email is ____@____.com has really helped out some of my other friends. The ones she is unable to help or cannot beat pricing, she will be honest and tell you. Best of luck to you, H.!
-A.

Hi H.,

I recommend looking at www.ehealthinsurance.com. They talked about this website on CBS 11 news recently. Hope it helps!

D.