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Are you looking for Affordable Short Term Health Insurance?
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Information & Resources
Family Health Insurance
Family Health Insurance is a great insurance coverage when used correctly. There are however times when multiple plans, change and add and even split plans are a better health insurance strategy for your overall insurance dollar.
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COST (approximate) |
APPROVAL PROCESS |
BENEFITS / LIMITS |
If you or NO family member is eligible for a GROUP BENEFITS Long Term Coverage. Not a month to month |
VERY AFFORDABLE, if done correctly $80 to $900 per month Depending on deductible, age, health history, benefits, deductible and how many members on plan. |
Family Plans are subject to full medical underwriting for each person on the plan, and may take as long as 4-8 week. Depending on doctors records and review process. |
Typically you get:
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Typical situations where Family Health Insurance is perfect:
- Family is self employed.
- No Group or Federal programs available.
- When both parents are close to the same age and both smokers or NON-smokers.
- Health conditions are about the same among family members, all fairly healthy.
- When the price merits the plan, and provides the best benefit for the dollar.
When NOT to use Family health insurance and to choose Temporary Health Insurance
- If you are between jobs, and believe your new position will start in less than 1 year.
When NOT to use Family health insurance and to choose Multiple plans or Split Plans
- If you or your spouse is a smoker, and the rest of the family is not. Since most carriers up-rate the entire policy due to smoking.
- When a family member has a group plan, but the rest of the family does not or it cost too much to add the rest of the family to the group plan...
- If you are on COBRA and have conditions that would be waivered or declinable with traditional carriers...
- If you are a single parent family, with multiple children you may consider CHILD ONLY options.
Special Notice Regarding Family Health Insurance:
Family health insurance is great for traditional situations, but you may find yourself saving money if you choose to do a SPLIT or Multiple plan insurance strategy. Contact a professional to help you get the most out of your Family Health insurance.
