Help me choose health insurance?
January 2, 2009 12:55 PM Subscribe
Can you help my wife and I choose health insurance?
I'm shopping for health insurance for my wife and I. I'm looking here for recommendations on good companies and good plans; tips on what to be sure to get and what to avoid; and even "Hey you sound like me, here's what I have and love."
We are 31 and 29, in good shape, and non-smokers. We live in Colorado. She currently does massage but in about three months she'll quit that, we'll move, and start trying to get pregnant. I have a desk job now but when we move I'll be looking to learn a trade - likely I'll be apprenticing as a plumber. We both snowboard now, she more than I.
So considering our current vocations and free-time activites, as well as our planned future situation...
I think we need covered: ER/broken bone, pre-natal and post-natal and possibly delivery. We lean towards home birth, alternative medicine, etc so coverage for that would be great.
I think we don't need: prescriptions, major surgery, mental health.
We might like: dental, vision, chiropractic, massage.
Bonuses would include portability (for when we move (within CO)), and a good range of choice in providers, as well as (in priority order) low premiums, low deductibles, and low co-pays. As befits insurance, this is pretty much just-in-case coverage. We don't really expect to use it much or at all. (Feel free to regale me with evidence that supports other thinking, just please no YOU GOTTA HAVE PSYCH AND MAJOR MED CUZ YOU NEVER KNOW!!1!.)
Thanks so much!