advice & common sense

<body topmargin=0 leftmargin=0 marginheight=0 marginwidth=0> <table cellpadding=0 cellspacing=0 border=0><tr> <td valign="top" colspan=3 height=65 BGCOLOR="#FFFFFF" TEXT="#080000" bgproperties="fixed" background="05700410egerdp.jpg"> <div> <IMG SRC="1b024240.png" border=0 width="36" height="36" ALIGN="BOTTOM" HSPACE="0" VSPACE="0">hospitalplans.com<FONT SIZE="4" COLOR="#CC0000" FACE="Times New Roman" > </FONT></div> <div> </div> </td> </tr><tr> <td valign="top" rowspan="2" width=144 BGCOLOR="#FFFBF0" TEXT="#080000"> <bR> </td> <td valign="top" height=375 colspan=2 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> Advice on Individual Health Insurance</div> <bR> <div> <B>Dependent Coverage</B></div> <div>     *If your employer is charging you for your dependent coverage, get the charges broken down based on the employer's definitions in the company plan: spouse, children, 1 dependent, children only, family. </div> <div>     *  move only those members in good health to an individual plan. </div> <div>     *  if pregnancy is even a remote consideration, understand the rules regarding pregnancy and open enrollment.</div> <div>     *  make sure you know  the "open enrollment" date. This will be important in your strategy.</div> <div> If your spouse costs you more than an individual plan, purchase the individual plan. If the kids need constant medical attention, leave them on the plan.</div> <bR> </td> </tr><tr> <td valign="top" colspan=2 height=40 BGCOLOR="#FFFFFF" TEXT="#080000"> <div> <IMG BORDER="0" SRC="1x1.gif" HEIGHT="32" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" WIDTH="66"><B> </B><IMG BORDER="0" SRC="1x1.gif" HEIGHT="32" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" WIDTH="66"><B>  </B><IMG BORDER="0" SRC="1x1.gif" HEIGHT="32" ALIGN="BOTTOM" HSPACE="0" VSPACE="0" WIDTH="66"><B> </B><A HREF="id213.htm" TARGET="_top" TITLE="FAQ"><U><B><IMG SRC="05342200.jpg" border=0 width="66" height="32" ALIGN="BOTTOM" HSPACE="0" VSPACE="0"></B></U></A></div> <bR> </td> </tr></table></body>