How to get private insurance when planning a move out of state
March 9, 2012 9:57 AM Subscribe
I have questions about applying for private insurance given that my family would like to get a quote (and hopefully a policy) so we can move to a different state.
posted by questionsandanchors to work & money (5 answers total)
Background: Currently my husband (29), myself (30) and our son (under 1 year) live in Missouri and have insurance through my employer. We're looking to move to Colorado so I can attend graduate school (part-time, already accepted, start in August) and he can do more with regards to his work position. He has salaried, continuous employment, but it's as an independent contractor, so he has no access to benefits at this time. We're currently in the process of forming an LLC.
Questions: I would like us to line up private insurance for the family prior to our move, and we have held off moving until we have the insurance figured out. How do I apply for this given that many of the private insurance plans are state based? Do I look for a plan that exists in both states? Many quotes ask for residence zip code, so are there potential changes in premiums, etc, after we move?
Second question: Who is the best person to talk to about the nuances between plans and which would be best for the family? I'm not comfortable with a high deductible plan, and need to incorporate something that would allow for regular visits for our son. I'm not sure who to ask questions TO- I'm wary of calling the insurance companies themselves, my work doesn't know we're planning a move so HR is out, etc. Who, or what if it's a website, is the best resource for me to answer my questions regarding co-insurance, concerns about my coverage as someone who takes monthly medication for a pre-existing condition (which while they can't deny me a policy due to will be a consideration with whether monthly premiums are affordable on one income)?
Bonus: Any other advice/questions I should make sure to ask/things to keep in mind from other people who have made a similar transition?
I've tried to balance providing enough information without providing too much given this is health/work related and I didn't want to be anonymous. Let me know if I've missed obvious details needed, and I can provide below or via MeMail. Thanks for your time and help, MeFi!