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Question

Asked: Apr 23, 2010

What plan is best for my family?

My husband is in private practice and we are insured by a good private but epensive BCBS plan. My husband will soon turn 65 and we will still have two children in college. He does not plan to retire anytime soon due to the loss of our savings and the economy. One of our daughters was recently diagnosed with an autoimmune disease and making sure she is able to have Continual and Affordable Health Insurance is critical. Will we be able to continue to maintain a policy similar to our current one maintaining our children on this plan? Are there other options we should look into, or information that we need to know to protect ourselves and our children at this critical juncture?

Categories: In Florida

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Answers

Given your daughter’s current medical condition, it will be a challenge for you to obtain new coverage that is not guaranteed issue. These would include a) coverage under a group health plan, b) COBRA or c) high-risk pool. If we can ask a couple of additional questions, we might be better able to advise. 1) Is your current private coverage with BCBS under an individual/family plan or a group plan through your husband’s practice? 2) Are you also insured on this plan along with the children? 3) How old are your children? — June 30, 2009 @ 2:19 pm

Answered: May 01, 2010

 

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