Family Health Insurance

Insurance for Families

How many family members do you wish to insure? Perhaps only YOU are insured at WORK???

If you have children, you also have to find the health insurance plan that will provide them with the coverage they need.

The most common categories of family health insurance today is group and individual.

Your family may want to go with a group health insurance policy because the costs are lower.

HOWEVER, while shopping for Group insurance, you should become familiar with characteristics as they relate to your family. The types include HMOs, PPOs, POSs, and the new Health Savings Accounts.

What are my options?

HMOs are often lower in cost and are set up in regional clinics.

Your family will see their primary care physicians there, so it is important for the facility to be near your home.

If you are young, and your family members are healthy an HMO may be a good choice for you. As we age, our needs change. A PPO or POSs is slightly higher in cost but allow for more flexibility.

If you, or a family member needs to see a specialist, then a PPO Plan may meet your needs better.

You can also go outside of the "networks", but at a greater cost to you.

DO NOT WORRY WE WILL EXPLAIN THIS ALL TO YOU !!!

The Health Savings Accounts (HSAs) are new and can provide a tax-free means of paying your family’s health costs. We will go over these options with you.

How can I lower my annual premium?

You will find that raising the deductible will lower the annual premium. You may not be considering all aspects of your policy and your families needs. THAT is where we come in - we will explore this with you.