Our customer service rep advised me that my husband, whom is a diabetic, would be refused from all their carriers. I could also be automatically refused, due to my pre-existing conditions, so he directed me our company insurance. But our teen was a different story, he's healthy and young, so a HMO is a perfect fit and would save us money. How about a 50% savings and better coverage?
As for our dental insurance, we were able to purchase Anthem Dental Insurance that offered no limitations on extractions, ect. Our company's dental insurance has a 12 month exclusion.