My husband and I just got married and are looking to get health insurance. we both can not get insurance through work. we live in arizona, my husband attends ASU. We are both involved in masters programs. We are looking to start a family poss. with in the year! what is the best coverage we can get, with our student incomes? thanks in advance for any advice / guidence you can provide!
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There is no one best company and with health insurance you get what you pay for. Shopping for health insurance is like shopping for a new car. When you shop for a new car you have a choice between the basic low end model with no options, a fully loaded luxury car, or something in between. If you shop for the cheapest you'll get the basic low end model which may or may not have the benefits and coverage you are looking for. You should talk with an agent that works with all the major companies in your area. The agent can find the best plan for your situation and budget and can explain what you get and, more importantly, what you won't get with the plan. There is no extra charge using an agent. ASU does have a basic health plan available, plus there are other student plans available which have basic coverage. Very few individual plans have maternity benefits. Maternity is more of a pre-payment plan with a waiting period. No insurance company is going to pay out more for your delivery than it receives in premium. Complications of pregnancy, such as a C-section, are covered with all major plans in AZ.
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