There are groups that the self employed can join to buy ins.  I hope you
have not let your wifes coverage end as if there is no gap, you don't have
to wait for coverage to start otherwise you may get caught in the
pre-existing clause... Most local Chambers of Commerce have multiple pland
to pick from.   Or Small bussiness Service Burea has some for a small
membership fee.

Look at what is allowed for Durable medical, disposable medical, therapy
sessions allowed, co-pay, perscriptions, How large is the network & how
likely are you to get out of net-work Ok'd.

Look & see how many of your current providers are on it......

I know where we live the state plans never approve out of state docs--& we
use a few so I always check that out.   Good luck..Joy
----------
>From: David & Jane Gilbert Keith <[log in to unmask]>
>To: [log in to unmask]
>Subject: Re: Insurance
>Date: Mon, Jul 24, 2000, 3:47 PM
>

>Hello Everyone,
>
>Does anybody know any insurance advocates?  We were insured through my
>wife's employer, but now she has had to leave her job to help with
>childcare.  I am essentially self-employed and have options for getting
>insurance, but I don't know what I should be looking for.  All I do know is
>that we have to get it right if our three-year-old, Noah, is going to get
>all he will need.
>
>We are fortunate in having supplemental insurance from the state of
>Massachusetts (although it is carefully designed to be as impenetrable a
>bureaucracy as I have ever encountered).  The only advice I have been able
>to get so far is either from insurance salespeople or a disability advocacy
>agency that could only recommend that I find an HMO that will be prompt
>about denying coverage so that the state coverage can happen a little
>quicker.  Anybody know a better way to go?
>
>Also, what are some of the pitfalls you have encountered?  I am becoming
>aware that many state agencies try to squeeze children into those diagnoses
>that are most likely to be covered by federal dollars (such as mentally ill
>instead of motorically impaired).  If this is an old question on this site,
>please forgive me and tell me how to find the archives.
>
>Thanks for your welcomes and thanks for your help,
>David K.
>