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.