Need Affordable Health Insurance

[ntalon]

I live in New Jersey and my husband and I need affordable health insurance. He owns his own business and we are paying close to $900 dollars a month for doctor visits, hospital, prescriptions, laboratory, diagnostics etc. We currently have United Health Care/ Oxford. We did have Cobra when I left my job, but that was too expensive $1300.00/ month. With our Cobra we didn't need referrals, but with Oxford we need referrals. Our copay is $30.00 for doctor visits and $50.00 for specialist. Can anyone suggest a Health Insurance co. that we can use before we go into dept? Your help will be very much appreciated.
Thank You,
Natalon

[Amir Mostafaie]

Dear Natalon,

My advice to you is “shop around”. I took the liberty & ran some quotes for you in your area (Deptford according to your profile; and by the way you can get free quotes through the link on the top left corner of this very page), and was able to find 8 plans below $900 a month.  In fact some of those offered by Horizon BCBS of NJ are POS plans which don’t require a referral to see a specialist. If you use the link, you’ll notice a toll free number that can connect you to a licensed representative who can answer all your questions about any of the plans.  

Sincerely,

Amir Mostafaie

[ntalon]

Thank you Amir. I feel I have a lot of home work to do. I hate having to deal with this. For many years I got health ins. from my employees now I work part time and most don't offer health ins. to part time employees. Oh, well, back to the drawling board.