3 Basic Things Moms & Dads Must Know When Considering Family Health Insurance

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Health

By Wendy Nice Barnes

Vice President, Human Resources, eHealthInsurance

Guest Post for MommyBlogExpert.com

Photo by Janis Brett Elspas, MommyBlogExpert.com

Are you considering buying health insurance for your family?  Whether you’re covered through an employer or are buying it on your own, the thought of researching a plan and choosing the best option can be overwhelming.

Here are three simple things to think about to get you started:

Consider State Programs

Five million of the eight million uninsured children in the United States are eligible for Medicaid or the Children’s Health Insurance Program, but have not enrolled.  If you qualify, these programs offer free or low-cost coverage.

Mix and Match

Check all your options.  For example, sometimes it is less expensive for certain family members to be on a separate individual plan than on an employer-based plan. Do the math on separate policies if there are special needs.   It’s easy to price individual and family plans online at sites like eHealthInsurance that allow you to get and compare quotes from multiple health carriers at the same time.

Read the Fine Print

It’s important to know that individual health insurance plans don’t automatically cover maternity benefits. That can be great news if you’re looking to save money and don’t need that type of coverage. But if you are planning on starting a family, or there’s a chance you could get pregnant, be sure to buy a plan that covers maternity care.

By doing a little bit of homework and researching your options, you can find the plan that works best for you and your family.

About eHealthInsurance

Through it's website, eHealthInsurance, consumers can get quotes from leading health insurance carriers, compare plans side by side, and apply for and purchase health insurance.  Offering thousands of individual, family and small business health plans underwritten by more than 180 of the nation's leading health insurance companies, eHealthInsurance is licensed to sell health insurance in all 50 states and the District of Columbia.

FTC Disclosure:  The content for this blogpost was provided by Wendy Nice Barnes of eHealthInsurance and edited by Mommy Blog Expert.  MommyBlogExpert did not receive any payment or other compensation associated with this post.  See complete FTC Disclosure information that appears at the bottom of MommyBlogExpert's main page and at the bottom of every individual post on this blog, including this one.