Our last insurance ended 12/14/05. Both owners do not take a paycheck. Wife is not listed as an owner & would like to have more children. Wife is currently not pregnant. All employees work under 25 hours/ week. Don't have a lot of money for insurance so would like to keep it as cheap as possible as long as it has prescription coverage for a child. NEED ADVICE ASAP! Thanks!
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You need to find a good agent to recommend the best carrier but in order of least expensive to most expensive HMO, POS, Direct Access, PPO You may be able to get by with the HMO with a hospital copay rider and prescription card. It wont be the absolute cheapest but good coverage with low risk exposure. I'm not sure where you are from so its hard to say what company is best in your area.
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