Question
HIP health insurance?
My dad, my mom, my sister,and i had family health plus or something and it got canceled because our income was too much. My mom has insurance for her job, and my sister and i applied for Child Health Plus. My dad needs health insurance. The woman who applied my sister and i gave my dad a bunch of health insurance numbers. (he doesnt speak english). so when i call what should i ask them? im only 14. also, he had HIP before and he wasnt to keep it. but when he asked at his job, he found out it was like 200-300 dollars, and we cant afford that. please help me with this!! i really appreciate it.
2 years ago - 2 answers
Best Answer
Chosen by Asker
If possible you should find an agent that speaks your dad's language. That way your dad will know what he is getting. Not all health plans are the same. A lot of good it would do to get a plan that cost $30 per month less but wind up costing you a $100,000 hospital charge in the future. First off, don't be afraid of a higher deductible, especially if your dad is healthy. This will lower the premium. With a traditional copay plan you get the doctor visits and prescriptions without having to meet the deductible. You might also want to look into an HSA qualified plan. You should ask if there are annual limitations to the policy. You should ask if what YOU want covered is actually covered in the policy. Many budget plans don't cover everything you might think that they should cover. Don't call the insurance companies directly. Call a local independent agent that works with all the major companies. The agent can find a plan that'll fit your budget. The plans and premiums are exactly the same whether you use an agent or not but with an agent you get a local person that will answer your questions face to face if need be.
Source(s)
Independent Agent
by Zarnev
2 years ago
Asker's Rating: 
Other Answers
General Research Guides for health: Easy to use links that will help with all your research needs, try typing a keyword or two into the search engine and see what happens. %www ... is a health related search engine and %www ... is a general search engine that relays results from all other search engines. You can find way better information by searching this way. Hope it helps :)
by jeremy j- 2 years ago