Among doctor's visits, emergency care, and lab tests, finding family health and dental insurance plans with coverage for all members can be a worthwhile investment. Purchase the right insurance plan to get the most out of your coverage for you and your family’s healthcare needs.
5 Things to Consider When Purchasing Insurance
When looking for public or private health and dental insurance plans for your loved ones, consider these five important factors:
- How often do you or family members visit the doctor?
- Do you already have preferred doctors or practices in your network?
- What prescription coverage would work best for your family?
- How do the plan’s premiums, deductibles, and copays fit into your budget?
- Does the plan include health insurance only, or does it also offer dental options?
It's important to note that changing plans or adding on dental insurance is only necessary to cover the adults (over 18 years of age) in your family for preventive care. Dental and vision coverage for children (18 years old or younger) is an essential health benefit that insurance companies must make available for all Affordable Care Act plans.
Two Ways to Get Dental Coverage
One way to get dental coverage is to find a health plan that includes dental insurance. To see which plans include dental coverage, compare plan details or summary of benefits documents. HealthMarkets can help you find plans that include dental coverage.
Another option is to purchase a stand-alone dental plan. Rather than having to find a new health plan, a stand-alone plan is purchased in addition to your current health insurance policy. This may be a better option for families who aren't currently covered for dental insurance but like their current health plan. For those wanting different dental coverage than what your insurance provider offers, this option may also appeal to you.
How Much Is a Family Insurance Plan?
The cost of a family insurance plan can vary, depending on your unique needs, as well as the size of your family. If you're looking to change health insurance plans or need help looking for independent dental coverage, HealthMarkets can help you find a plan that suits your needs.We can help you compare family health and dental insurance plans from recognized health insurance companies nationwide. Call to speak to a licensed insurance agent today at (800) 360-1402.