Small Business/Family Health Insurance?
106981
There are a couple of things that you can do to check health insurance rates.  One would be to check websites like ehealth.com and netquote.com or my site LoveTheRates.com.  I've listed a link to my site below. If you happen to be from Connecticut, please click on the second link.  That is also my site, I can give you quotes from every Connecticut health insurance company. \n\nAnother would be to check with your state insurance department to get a list of companies that sell individual health insurance in your state.  I've listed a link to a page on my site that will give you a list of insurance department websites.\n\nFirst link, health insurance quotes (all states)\nSecond link, health insurance quotes (Connecticut only)\nThird link, list of state insurance departments\nGood luck.
1127713
You can pay a premium for any health care provider if you have the income. It will be cheaper if you can buy the insurance as part of a group. You can usually join the local Chamber of Commerce and get group rates from HMOs and other insurers for your area or, if that is not available, join the Small Business Service Bureau and get the same group rates.                http://www.sbsb.com/\n\nThere are many "health insurance" sites on the web, but they are not really health insurance. They are discounters, who try to get service providers to offer the same rates they get from insurers, but you have to pay first and maybe get a rebate, or you have a large deductible. It does not usually cover much for hospitalization or specialists.\n\nYour state may have a subsidy available for small businesses to pay part of the premium. You'll have to go to your state's web site and look for the health insurance information.
97347
You can contact just about any insurance agency and they will help you select a company with the best price. Of course your father has to want the insurance, you can't just purchase a policy on him. More than likely the insurance company will want him to have a physical exam of some sort (they will tell you), and they use those results to determine how much the coverage will cost. Needless to say , the older you are, the more you will pay. However, the better your health is, helps to keep the cost down. Go thru an "insurance agency". They are listed in the yellow pages. An insurance agency will have several different insurance companies that they work with. For example, they \ncould have Hartford, Safeco and Travelers that they work with. Good Luck
269783
Try Allstate Insurance.  They're looking
859429
If you are self employed, you and your husband could get a health insurance plan through an agent in the yellow pages - look under "health insurance" and request quotes and plan comparisons. \n\nSome plans are affordable - Blue Cross/Blue Shield and Aetna. But you could compare plans and quotes online through reputable health insurance quotes services. That way you can review the plans at your convenience with no pressure.\n\nTwo of the leading health insurance quotes providers are:\n\n1) InsureMe - they give you up to five free health insurance quotes from top-rated health insurers nationwide. To Request a free, no obligation quote, Go to - http://www.insureme.com/landing.aspx?Refby=613598&Type=health\n\n2) eHealthinsurance.com offers you side-by-side quote comparisons from a large network of health insurers across the country. eHealthinsurance has more than 900,000 clients in the U.S.\n\nReview all Exclusions inlcuding any Pre-Existing Conditions Exclusions before you buy. Also, understand how the Co-Pay works so you know how much you'll pay out-of-pocket per claim.\n\nAlso, ask the health insurance company if you can deduct your health insurance premiums, since you're self-employed.\n\nI hope that helps you find an affordable self-employed health insurance plan. Good luck.
409578
Seriously, the best way is to go with Ameri Plan - you can get medical, dental, vision, prescription and chiropractic care at up to 80 per cent off. And it's only $49.95 per month for an individual and 59.95 for anyone in the household. (Even those unrelated to you!) This is great for small businesses. Please contact me. wlakin@ameriplan.net I'm in the business of helping people tackle the expensive cost of healthcare.
1185310
You sound like you already know a bit about health insurance, but here’s a couple of general ideas, although it’s always best to talk with a qualified insurance agent who can help you get the right coverage. When you talk about $200-250, is that total costs for a month or for premiums and copays? It sounds like you might like a PPO over a HMO, although you might also be interested in a more traditional fee-for-service type of insurance. The PPOs will give you more freedom, but you’ll also have to fill out more paperwork. However, if you already have a doctor you like, you might want a PPO since your doctor might not be part of a HMO (PPOs usually don’t require you to have a primary care physician). \n\nLast year, Consumer Reports conducted a national reader survey of about 35,000 people and asked them about how they liked their health insurance and quality of health care (click here). Sixty-four percent said they were happy with their health plan. People were generally happier with HMOs than PPOs, but the Consumer Reports writers said that this was probably more a function of the lower prices. As a group, more PPO members felt they had adequate access to health care than HMO members. As I mentioned before, though, the rate of billing errors was three times higher among PPO members than HMO members.\n\nKaiser of course has a major presence in California, and Blue Cross Blue Shield is also a popular choice among Californians (they had by far the most PPO plans in the top 10 of the CR survey). You might want to write down all your concerns and then rank them in order of importance. It’s simple, I know, but I’ve always found it a useful way to make a tough choice.\n\nIf you’re still looking for answers, visit MostChoice.com. It’s a Web site that makes finding health insurance answers easy and makes shopping for health insurance quick and painless. You’ll be able to view online quotes from California health plans, and local area insurance agents will help you compare a range of competing health plans from companies like BCBS. There’s no cost or obligation to you, and your personal information is used only to match you with local health plans and insurance agents. You can find it here: http://www.mostchoice.com/health-insurance.cfm.\n\nBarnes@MostChoice.com
246759
4 knowledge makes a good point.  What is your deductible?  Also most policies have coverage for the business property, but it may not have coverage for employee property.  Hopefully you have a local agent that can review your policy with you.  If not, here is a good directory: http://www.findlocalinsurance.com
715456
Visit your state insurance department's Web site. You'll probably find a list of companies selling individual coverage in your state, including those that aren't handled by brokers. For example, many BlueCross/BlueShield plans -- often one of the few choices available in highly restrictive states -- prefer to deal directly with customers, or offer such low commissions that they aren't worth a broker's time. \n\nThe insurance department may provide shopping tips for your state, as well as insurance-company complaint records. \n\nIt is a good idea to check with a qualified insurance agent before purchasing a health insurance policy.  Health policies can get very complex and can hidden coverages/non-coverages.  Start by getting a quote at: http://www.insureme.com/landing.aspx?Refby=614499&Type=health.  This web site will allow you to compare prices and find the best price and coverage.  It is free of charge and they even give you the option to speak to local agents if you have questions.  \n\nI hope that helps!  \nRon @ InsureMe
746171
Some people want a company that gives you access to whomever you wish to see; some people want a health plan that has the happiest customers; other people want the least expensive; others just want a health insurance company that pays on time. The best way is to ask the people close to you how they like their health plan.\n\nWhat 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’s an example:\n\n•Monthly price (premium)\n•Yearly deductible (amount you spend before the insurance company will start paying)\n•Copay amount (amount you pay per service)\n•Coinsurance amount (amount you split with the insurance company – usually a percentage; i.e., you pay 20 percent and the insurer pays 80 percent)\n•Freedom of choice (can you visit whatever doctor you want; what are the steps to getting referred to a specialist or for a medical procedure?)\n•Preventive medicine and routine doctor visits (does the plan include these?)\n•Mental health (included in the plan; copay amounts; maximum number of annual visits).\n\nI’d check out Consumer Reports (link below), US News & World Reports Best Health Plans, and whatever other informational resources you can find. I’d also talk with locally licensed health insurance agents. I’ve also included a couple of articles about choosing a health plan that might be useful. They are government-authored, but they’re actually pretty good (all links below). \n\nI’ve also linked to a California Insurance Department page that has a checklist you can use as you are comparing various plans.\n\nAfter you decide what kind of plan you’re interested in, check out MostChoice.com. You can quickly compare plans and speak to MI health insurance agents with no obligation.\n\nYou can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
10711
I have had some success listing my life business here: http://www.insuremylife.org\nMake sure when you meet with your customer that you go over income, property, loans, retirement goals.  Determine proper coverage amounts.  Always ask for referrals.
210210
A number of companies will exclude pre-existing conditions for the first year and cover them after that.  The best thing to do is shop around.  Try Golden Rule.  They have a pretty good price.  Try getting a plan with a Health Savings Account attached.  Part of your money pays for the insurance and part goes into a cheking account that you can use to pay for any medical expenses.
42060
No. Health insurance is a huge expense and it is their choice whether or not to offer it. Most will offer it to attract and retain quality employees. Alot of smaller business cannot afford to offer it to their employees.
192501
You can purchase insurance for this as part of your business owners policy.  Contact your insurance agent
369892
I would check with the state you live in. For example my state (NY) has a plan called healthy NY for working people that have no insurance at reasonable rates. Go to your state's website to check.
820622
With large employers, the typical cost to employees for family coverage is closer to $200.00/month.  The smaller the company you work for, the less coverage you will get for your money.\n\n\nI♥♫→mia☼☺†
847550
Hi,\n\n    I am not from Oregon, but the state shouldn't matter a lot.\n\n  First, she should contact a lawyer and setup a corporation. This should cost more than a few hundred dollars and will protect her assets.  The lawyer can advise her to state specific regulations (which is why I said it shouldn't matter a lot.)\n\n  After she legally sets up the business, she should start a business bank account.  This is free and takes only a few minutes.  She will want to keep all her finances separate.  If she is technical, she could user QuickBooks to keep her expenses or hire a bookkeeper.  If she ever grows to the point of hiring employees, definitely let a bookkeeper manage the money.  It's not that expensive, and it is a preventative cost since your accounting bills will be much lower at tax season.\n\n  Insurance is another story.   When you own a small business, you can get health insurance for  yourself.  The major insurance providers realize there is a niche for this.  Just work with an agent and let them know that she is starting a company and already been through the necessary steps.  \n\n   While working with the insurance agent, you can also get insurance on your service.  This protects you from breaking items or if some one needs to file a claim against the company.  I actually anticipate this figure to be fairly high.  She should definitely look at something with a high deductible/high cap.  This would probably give her the best protection at the most reasonable price.  \n\n   Advertising.  If you live in a major city, you could try CraigsList.  If you live in a smaller town, the local newspaper are fantastic.  Once she gets a few clients, she will get referrals if she is good.  She could also, print business cards and give existing clients $25 off if they recommend a friend.  \n\nGood Luck,