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Family Health Insurance

Family Health Insurance

We all are aware that protecting your loved ones with family health insurance is important, but it just isn’t easy to find adequate insurance for a good price at times. This article will help walk you through figuring out what family health insurance will be best for you and more importantly, how to find the best value in family healthcare.

Family Health Insurance Basics

There are two main types of health insurance: individual and group. This article will focus on helping you find the best private individual health insurance coverage for your family. If you believe you may qualify for public health insurance because of your income level, try looking on your state’s website for more information or simply use our quote finder at the top of the page.

Family Health Insurance Managed And Preferred Care Options

We’ve heard the terms thrown around for private health insurance- HMO, PPO, POS- but here is a list of your options to assist in a better understanding of what these terms mean and how they relate to finding health insurance for your family.

Managed Care Options:

Preferred Provider Organization (PPO):  Perhaps it is the freedom that comes with a PPO, but in 2007 57% people were insured with some type of PPO.  This design was started to speed up payments to the provider, but it allows the insured to go to someone within network for a lower co-payment and without a referral from their primary care physician.

Health Maintenance Organization (HMO):  This was started in the 1960’s to fix rising health care costs.  It is set up so that you have a primary care physician that is responsible for you and your family’s overall well being; however, this means that you must get a referral, or in essence permission, to go to a different doctor for it to be covered by insurance. HMO plans are still a popular choice for families. However it is down in membership, last at 21% in 2007, down from 27% membership in 1998. The main disadvantage to an HMO family health insurance plan is that the plan is very inflexible.

Point of Service Plans (POS):  This is a combination of an HMO and PPO.  At the “point of service,” you have the option to decide to get a referral and often pay just a co-payment, or you may stay in network without a referral but pay a higher co-payment or additional premium. POS family health insurance plans differ in their specifics from company to company so make sure that you understand how a particular plan works before you enroll.

Traditional Care Options:

Fee For Service:  This is the way the earliest forms of health insurance started.  The fee for service approach allows you to pick the doctors or hospitals you prefer without defining “in network” or requiring referrals.  However, this often times will lead to higher co-payments or deductibles.

These type of plans vary quite widely in the quality of health insurance coverage that you will receive. Be sure to be on the lookout for indemnity family health insurance plans that often have very severe limits in their policies.

Family Health Insurance Companies

You will want to choose a comprehensive major medical family health insurance plan from a top rated and trustworthy health insurance company. While of course you want to get the best bang for your buck and find a cheap family health insurance plan, keep in mind that you will want to choose a company that you can depend on in the event of a broken bone, unexpected surgery, or other unforeseen event for you and your family.

Often times it depends on your geography and your insurance needs for your family to determine which company will be best. The Internet can help you search the nation for the best policies, rates, coverage and companies for your family. While you are searching, here is a list of some of the top health insurance companies for families:

  • Aetna
  • Anthem Blue Cross Blue Shield
  • Humana
  • Assurant Health
  • Vista
  • United HealthCare
  • Celtic

For family-friendly benefits, consult the company specific website or talk to an insurance agent for more details.

If you would like to save yourself a little time and money then enter your family’s home zip code into our quote finder at the top of the page to compare free family health insurance quotes from competing insurance companies.

Enter your family’s information in only once and then you can view multiple quotes from multiple insurers that offer family health insurance coverage in your area. Get started finding the best family health insurance plan now!

Top Ways To Save Money On Family Health Insurance

The bottom line is the best way to save on health insurance for your family is through a policy with your employer where the employer pays for all of the premium!  However, if that is not an option for you and your family, or even if you are just looking for some additional ways to save money, here are a few ways:

  1. Purchase Individual Family Health Insurance. Individual health insurance (private health insurance not offered through an employer) is typically much cheaper than group health insurance because of the differences in underwriting. Although, if your employer offers to pay the premiums for a family group health insurance plan then by all means take the free money!

  2. Choose The Highest Deductible You Can Afford. As always, the higher your deductible is set, the lower your monthly premium will be. Many families are also option to combine a high deductible health plan (HDHP) with a family health savings account (HSA) to not only save money with lower premiums but to save money by having lower taxes as well!

  3. Live A Healthy Lifestyle! Not only will certain insurance companies give discounts for weekly exercise and for non-smokers, but by staying healthy you lower your chances of having to cash in on the insurance.


Start Searching For Better Family Health Insurance Now!

Build a better future for you and your family by using our free search tools at the top of the page. 

Keep in mind all the new information you have found in this article on family health insurance, and find the best policy for your family. Use the free quote tool at the top of the page to compare family health insurance quotes from competing insurance companies.

Get started finding an affordable family health insurance plan and take a few moments and compare family health insurance options now!

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