Health Insurance for a Private Contractor beside Pre Existing Conditions?
Hi. I am wondering how I can get form coverage for me and my family. My husband and I both enjoy pre exisiting conditions, and we have a son who is 6. We product about 40,000 per year, and live surrounded by Nevada. Can anyone help me beside some options or accepted wisdom of where to look? Thanks!
Answers:
I enjoy a medical plan that covers pre-existing conditions. You can see if it'd be right for you and your family here http://www.everyonebenefits.com/lmota...
Your husband desires to officially put you on the payroll and enroll contained by a Blue Cross-type small business program for employees of 5 or smaller number. Otherwise, check with your homeowners insurance companies close to State Farm. They often hold products that are out of the mainstream. Problem is, beside those, it is hard next to pre-existings. Your husband may also join a trade association. They frequent times offer plans. I am an independent contractor, too, but as a accomplice of the National Assn. of Realtors and the California Assn. of Realtors, I can get group coverage.
Basic vigour insurance will cover you for pre-existing conditions, as long as you haven't had treatment contained by at least 6 months for these conditions. Since you don't report to us what pre-existing conditions you have, this may or may not be an route for you.
Unfortunately, as far as I can tell, Nevada does not enjoy a high risk insurance pool for you to consider as an alternative. However, you could contact the Nevada Division of Insurance for some planning. They provide help to consumers through their SHIP program.
Volunteer Counselors will relieve you figure out your strength insurance needs and provide nonaligned information to assist you in making decision about condition and long-term care insurances.
You can find the Nevada Division of Insurance at: http://doi.state.nv.us/