advance vision care

What would you do? …in relation to health care…?

Me and my husband have 3 children… 6, 2, and 1 week. We both work for the same company. Our company does not provide health/dental/vision insurance. We make too much to receive any government help. How would I go about finding a good private health plan? Better yet, when I find out how, how do I figure out which one is best? Do you use one or know someone who does? Who do they use? Do they like them?

Here is what I would recommend you look for:

-a low deductible
-a low maximum out of pocket
-a high life-time benefit maximum
-PPO coverage (instead of HMO)
-at least 80/20 coinsurance (if not a 90/10)
-reasonable office copays ($30 is the highest I would go)
-lab work and x-ray coverage that is NOT subject to the deductible

Aside from that, just make sure the plan covers well baby checks, vaccinations and annual exams

You can get some online quotes here and compare companies: http://www.ehealthinsurance.com/

Cedarhurst Optometry Central Vision Care