Affordable health insurance for our families is one thing we all want. However finding quality health care and affordable family health insurance aren’t always easy. Clearly your first step is to get free health insurance quotes.
Your Options for Family Health Insurance
The most affordable method of purchasing family health insurance is usually through employer-provided coverage. As the insurance costs are shared by the employer and employee, your family ends up paying lower premiums. A drawback is that you may face limitations because most employers only offer one or two plans to choose from.
Another option is to purchase your own family health insurance plan. Your costs may be higher – the average family premium is over $ 400 per month – but you’ll get to choose a network of doctors you feel comfortable with and you’ll be able to select your own deductible.
Here’s a good tip: enter “The Consumer’s Guide to Health Insurance” into a search engine such as Google and you will get many results that offer free guides to family health insurance. Choose two or three and request they be sent to you (or download them as applicable). This will provide comprehensive information on the subject.
Medical Insurance Issues for Families
When choosing affordable health insurance tread carefully. Some health plans offer cheaper premiums or deductibles but may not cover the kind of preventative medicine that a family needs. For example, preventative medicine should include annual screenings, physicals, and immunizations, so as to prevent problems from developing, such as measles or polio, or detect early signs of health problems, such as cancer. Even though preventative medicine is usually recommended by doctors, not all insurance plans will cover them. For example, if a doctor requires tests to be done, this may not be covered. You need to carefully review your policy regarding the types of preventative medicine your family needs so that you can take these medical precautions.
Another important issue is prescription charges. Many insurance plans are no longer paying all the costs of prescriptions. Of those that do, you’ll still be expected to pay a co-payment ranging from $ 5 to $ 35 per prescription. These costs can add up, but they are still much less than the $ 100 plus price-tag on the most common prescriptions your family may need. Therefore, it’s a good idea to search for a plan that covers some of the more common prescription expenses.
Buying the Right Family Health Insurance Plan
If you are purchasing a private family health insurance plan, then you should shop around. Dozens of insurance providers are willing to provide you with a health insurance quote based on your needs. These health insurance quotes can make it easier for you to compare plans.
Here’s another tip: go to the website for ‘The National Committee for Quality Assurance’ (www.ncqa.org) and then click on ‘Site Map’. Scroll down and click on ‘Resource Library’ where you will see lots of good information relating to family health care. Another tip is that if you are in-between jobs search for “Short Term Health Insurance.” Simply do a search on Internet for this term and you will find lots of information.