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Health Care Reform and Family Health Insurance Plans
Several changes took place on September 23, 2010, that significantly benefit families seeking coverage under a family health insurance plan.
- Children who may have been uninsurable due to a pre-existing condition can no longer be denied coverage.
- Preventative screenings, such as annual physicals, mammograms, and pap smears are now provided to you and your family for free.
- Your dependents can now stay on your family health insurance plan until the age of 26. This is significant because, prior to the change, a child with diabetes who turned 19 and was not a full-time college student would have rolled off her parent’s health insurance. The child's only option for health insurance would often be employer coverage.
What You Need To Know
First, unless you obtain a NEW family health plan, the benefits of health care reform will not apply to you and your family. The new rules do not apply to “grandfathered” plans.
Second, many health insurance carriers are no longer offering child-only health insurance plans. This means that in order to receive coverage for your child or children, you will need to add them to a family health insurance plan.
Third, with preventative screenings being offered for free with a new health plan, everyone should consider at least basic coverage in order to detect early illness and potentially life-saving results.
What To Look For In A Family Health Insurance Plan
A good family health insurance plan covers the healthcare needs for you and your family today and well into the future. In fact, young families who plan to have children will find that you can typically expand your health insurance to cover new additions to the family with little effort.
When it comes to family health insurance plans, most of us want to maximize the benefits that come with our plan while minimizing the cost of that plan. This isn’t always easy. The first thing you should do is assess your family’s needs based on everyone’s age and health to determine what level of benefits you need.
The larger your family, the more people are on your health plan, the more your plan is likely to cost. Other factors can impact the cost of a family health plan as well, like maternity coverage, plan type, deductible and so on.
When comparing plans, make sure your preferred doctors, including pediatricians and OB/GYN, are part of the network for the plans you’re considering.
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