Health Insurance

Is everyone in your family covered under health insurance? If not, you are making a huge mistake. Who do you think of when it comes to health insurance? Like most insurance customers, you probably think of you and your spouse. It’s true that people who earn an income often require more health insurance, but ever member of your family needs to have health insurance. Here are just a few reasons why you need to consider acquiring a health insurance plan that will cover everyone in your family:

  • Loss of income: You’ve probably thought about what you would do if something has to you or your spouse and you have to take time of work. Health insurance can help you pay for your medical bills and loss of income. However, what happens if you have to take time off work in order to care for one of your dependents? If they are covered under health insurance, then you could still be able to provide for your family.
  • Paying for unexpected bills: Do you have an emergency fund? Will it be enough to cover any medical bills that you will have to pay in the future? Hopefully, the answer to the first question is yes, but you probably can’t answer the second question satisfactorily. Health insurance was put into place to help families in need pay for medical bills. Sometimes unexpected accidents occur. Health insurance can help you pay for hospital or other medical bills when something happens to one of your family members.
  • Peace of mind: You can’t put a price value on peace of mind. Making sure that everyone in your family is covered under health insurance will give you the peace of mind to go about your day to day lives without fearing the accidents that you can’t control..
  • Here are some questions that you should ask your insurance provider to make sure that you acquire the best health insurance for your family:

  • How much coverage do we have?Family insurance plans are designed to provide enough coverage for anything that might happen when a family member has an unexpected accident. However, not every plan is created equal. That means that you need to go through an appraisal process to make sure that you are really getting the amount of coverage that you need to provide for your family if something happens to you, your dependent, or multiple family members.
  • What types of incidents and accidents are covered?Some insurance companies might not cover every type of incident that might occur to one of your family members. Does someone in your family have a dangerous job? Does someone travel a lot? Does someone mountain climb, scuba dive, or have any other dangerous hobbies? These are the types of questions that your insurance company will ask you during the application process. You need to answer all questions honestly to make sure that everyone in your family is eligible for health insurance.
  • Are there any requirements for coverage?Some insurance companies will try to tell you that young children do not need to be covered. Other companies might deny a high-risk client the coverage that they deserve, or they may only allow certain family members to be included under your health insurance. You should not settle for a health insurance plan that does not cover your entire family. Take the time to make sure that everyone in your family meet your insurance companies’ requirements.
  • What is the claims process?As always, it’s important to know your insurance companies’ entire claims process. Write down who and when you need to call to make a claim, what the next step will be, and how long it will take for your claim to be processed. Keep this information in a safe place and make sure that everyone in your family knows where it is.
  • We understand how important it is to protect and provide for your family. The best way to do this is to find the health insurance policy that will give you the right amount and type of coverage for the right price. Contact SOGO today if you want help finding the health insurance that your family deserves.