[mellie55]

Does anyone know of a good insurance policy that I can purchase that is no more than $250 per month. I lost my job a year ago and could not afford cobra and have AIG for $219 per month which is horrible. You can only visit a doctor 4 times a year and doesn't cover much on Rx's and also the first visit I had with a doctor they did not want to pay--tried to say pre-existing illness. Diahrrea is not pre-existing! Please Help!

[Robert_325]

I spent years in the insurance business as a company exec. I can tell you that if you had health insurance in force when you purchased new insurance it's against the law for them to claim "pre-existing conditions." Laws have changed in that regard to protect the consumer. If you had nothing in force then they can get away with that.

I don't know your age, health conditions, or where you live but if you want health insurance that actually pays something for dr calls, meds, etc without a huge deductible or co-pay there is no way you'll find anything for $220 a month that is worth the paper it's written on.

You can also purchase health insurance by going through the state guarantee association in the state where you reside. They can provide coverage without pre-existing condition clauses or whatever type policy you are financially able to pay for. Contact your state insurance department for more info if you choose to go that route. Hope that helps. God bless.