Affordable Family Health Insurance
Affordable Family Health Insurance
Health law too late to ease some premiums
Rick and Trish Colby pay more in monthly health-insurance premiums than most people bring home in their paychecks.
Read more on The Columbus Dispatch
Question by valery duque: Does anyone know of affordable family health insurance?
i need an affordable family health insurance
i found an affordable family health insurance after comparing quote here
http://best-health-insurances-usa-quote.blogspot.com/
Thanks for the advice Tom Z
Best answer:
Answer by Tom Z
Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. You decide what the right balance is between affordability and policy benefits.
If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles, low copays and optional vision and dental benefits your monthly premiums will be significant.
On the other hand if you and your family are young, presumably healthy and use the health care system sparingly you might consider a plan that covers only the major health catastrophe. If that is too scary consider a plan with a higher in hospital deductible, higher co-pays for doctor?s office visits and perhaps not cover prescription drugs.. Either of these approaches will result in a lower monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit or prescription and still come out ahead.
You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. That adviser can answer questions as to what is and is not covered by the policy, explain deductibles and copays and show you the hospitals and doctors that participate in the network. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health situation.
Some are going to suggest you go to their web site so that they earn a few pennies on a ?click through?. Some may suggest going on line to get a quote but you probably already know that there is more to a good health insurance policy than price. Some might even ?pitch? a discount plan that is not insurance at all. Use the Internet to educate yourself but use an agent to purchase the coverage.
Add your own answer in the comments!
Affordable Family Health Insurance
Source: http://us-insurance.lastest.us/2011/06/05/best-deals-affordable-family-health-insurance/
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