• Skip to content
  • Skip to secondary menu
  • Skip to primary sidebar
  • Skip to footer
  • Home
  • Shop ModernMom
  • Become An Insider

ModernMom

The premiere destination for moms

  • Parenting
    • Pregnancy
    • Baby
    • Kids
    • Tweens and Teens
    • ModernMom Monday Videos
  • Cooking
  • Living Healthy
    • Breast Cancer
    • Health & Fitness
    • Body after Baby
    • Beauty
    • Relationships
    • Love
  • Lifestyle
    • Crafts
    • At Home
    • Education
    • Travel
    • Pets
    • Decorate
    • Money
    • Brooke Burke
  • Celebrate
    • Holidays
      • Easter
      • Valentine’s Day
      • New Year’s
      • Christmas
      • Hanukah
      • Halloween
      • Thanksgiving
    • Birthdays
    • Parties
  • Must Have
  • Contests
  • Entertainment

How to Get Family Health Insurance Quotes

December 10, 2010 by ds_15457 Leave a Comment

Going without health insurance puts you and your family at risk, both financially and physically. If you have to pay the entire cost of health care services, you might be less likely to see the doctor for routine checkups or for health problems. Those without access to a group insurance policy through an employer have the option of buying a family health insurance policy on their own. The key to finding the best policy at an affordable price is shopping around for several quotes.

Step 1

Gather personal and health information about all family members before getting health insurance quotes. You’ll need this information to get an accurate quote, as these personal details affect the insurance premium. Things you’ll need to know include age, gender, height, weight, tobacco use, medical history and student or work status.

Step 2

Write a list of the typical appointments and medical professionals that all family members see each year. For example, if you have a baby you probably have several well-baby visits each year. You might also see chiropractors, family physicians, orthodontists and mental health professionals. Keep these things in mind when you compare what each family policy will cover.

Step 3

Consider your potential for having more children. A family policy without maternity coverage is more affordable, but it won’t cover any prenatal care or hospital bills if you get pregnant. Decide if you need a policy with maternity coverage or can get away without it.

Step 4

Discuss the types of coverages and plans you want. Dental and vision are usually extra, but it can save you money if you will use them.

Step 5

Discuss the deductibles, co-pay and coinsurance amounts you want on the policy. Higher deductibles, co-pays and coinsurance means you will pay less in premiums, but you also have to pay more when you need medical attention. Low deductibles, co-pays and coinsurance will save you each time you visit the doctor, but it will cost you more every month on your premium.

Step 6

Call or visit several insurance agents or companies to get a customized quote for your family. Provide all the gathered information and your preferences for the policy so the quotes can be specific to your needs. Ask for the same types and levels of coverage in the quotes so you can compare the different options equally.

Comments

comments

Filed Under: Living Healthy

About ds_15457

Shelley Frost has been a freelance writer since 2007, specializing in parenting and education. Her work can be found on websites such as ModernMom.com and PreschoolRock.com. Frost holds a Bachelor of Arts in elementary education with a minor in reading from the University of Northern Iowa.

Reader Interactions

Primary Sidebar

Search

Tell a friend

  • Facebook
  • Instagram
  • Pinterest
  • Twitter
  • YouTube
ModernMom Boutique

ModernMom TV

Featured

10 Life Lessons I Want To Pass On To My Daughter

I look at my little girl, who is now three years old, and I … [Read More...] about 10 Life Lessons I Want To Pass On To My Daughter

Must Have

STEM-related Toys to Include in Your Child’s Easter Basket This Year 

April has arrived which means it’s time to pull out the food … [Read More...] about STEM-related Toys to Include in Your Child’s Easter Basket This Year 

Did you know?

Can You Get Pregnant Without Menstruating?

Symptoms of Pregnancy If HCG Injection Is Taken

basal temperature as sign of pregnancy

Basal Temperature As Sign of Pregnancy

Dizziness in Pregnancy

Causes of Dizziness in Pregnancy

women get pregnant if she Is not ovulating

Can a Women Get Pregnant if She Is Not Ovulating?

Cover a Pork Roast

Should You Cover a Pork Roast & Add Liquid When Baking?

Negative Effects of Single Parent Homes

The Negative Effects of Single Parent Homes on Children

Footer

  • About Us
  • Contact ModernMom
  • Advertise With Us
  • Press
  • Privacy Policy
  • Terms of Use
  • Contributors

Copyright © 2022 Modern Mom. All Rights Reserved.

Reproduction of any portion of this website only at the express permission of Mom, Inc.

The information provided on ModernMom is for educational use only. It should not be used as a substitute for professional medical advice, diagnosis or treatment.