any recommendations as too who's plan to go with? will need dental, maternity and perscription coverage as added items. With all the talk about bad health coverage going around I want to make sure that I choose the right one.
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It depends upon your age, height and weight, and any pre-existing conditions. It also depends upon the type of policy, what is covered and what the deductible is. In my area for a 30 year old couple in perfect health the premium will run $220 to $360 per month with a range from $53 to $500 per month. Plans with maternity range from $250 to $900. Most plans will have prescription coverage. With individual policies you should consider maternity as a forced savings account. Maternity usually has a waiting period of around 12 months. The extra premium you are paying almost always adds up to more than the maternity costs. Dental is OK if you have an employer paying most of the premium. Otherwise it's a big waste of money. Your best bet is to call or visit a local independent agent. The agent knows what plans are available in your area and can find a plan that fits your situation and budget. They can explain all the differences in policies. The plans and premiums are exactly the same whether you use an agent or buy directly from the company.
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