What health insurance is recommended for a single dad with 3 kids, with a budget but have decent coverage?

I am a single father of 3 kids and looking for health/dental/vision insurance for my family. We don't really go to the doctor as much but still want decent coverage in case I need to do so. Any ideas? Am based in Southern California.

What health insurance is recommended for a single dad with 3 kids, with a budget but have decent coverage?
One through your employer. You can't get vision and dental that doesn't cost more than it pays, except through an employer group policy.





Otherwise, just go to your local agent, ask them to give you a couple quotes on a private policy.
Reply:If you are self employed, I would look into the Lumenos HSA or HIA plans being offered through Blue Cross of California.





The premiums are decent, and even though they have a higher deductible, preventative or wellness benefits are covered at 100% - no out of pocket to you.





With the HSA Plans you fund a separate tax advantaged account to pay for services while you are in your deductible period.





With the HIA plans, Blue Cross funds a separate $500 account for each insured - this account is used to pay for the first $500 in medical expenses for the year - then subject to deductible and coinsurance.





Both are great plans with great wellness benefits and they limit your out of pocket maximums as well.





Please let me know if you need additional assistance
Reply:Instead of taking recommendations online, you should contact a professional who works with several different companies—an insurance broker. A broker will be able to match you up to the best coverage at the best price. To find an insurance broker in your area, log on to a site like http://www.healthinsurancewiz.com and complete a form asking for a free quote. Your request will be sent to a broker in your area who has paid for the service, demonstrating a willingness to work for you. The broker will do the legwork at no charge and offer his or her advice. You are not obligated to go with their findings. Good luck!
Reply:Here is a Nationwide 15 year old company that offers VERY affordable Medical/Dental also includes Vision, Prescription and Chiropractic plans for families.





http://www.helpyousavenow.com





I hope this helps, It has saved my family hundreds of dollars.





Tammy
Reply:Try this: www.everyonebenefits.com/fornido It is not insurance, but a health plan that will enable you to have medical, dental, vision, etc for a fraction of the cost of health insurance. It covers your entire family, and you can invest the difference and save tons of money. Good luck!
Reply:Find a local CA insurance agent and let them help you. You might look at a HSA (Health Savings Account) since you do not go to the dr often. OR price a higher deductible plan that has a $25 or $35 dr office co-pay. For dental check out http://www.txdent.com or http://www.dentalinsurance.com/affiliate...
Reply:find abroker they deal in all kinds of ins.maybe if you call him he can get one in cal.or find one like him in cal.