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Bride and Groom KissingSelecting health insurance for your family can prove to be an overwhelming process. There's much to think about including price, coverage and the future.

If you are a new couple, you may be looking to share a health insurance plan. Not all policies are equal. Compare products carefully to determine which one offers you the coverage you both need.

Basic Health Insurance

Your health insurance needs will vary with age. However, everyone needs basic health coverage — as this will provide for routine testing and annual physical exams. This type of care is very important, as it allows medical professionals to diagnose and treat ailments and anomalies before they get severe.

Starting A Family

Do you plan to start a family in the next year or so? If so, choose a health insurance plan that offers comprehensive care for maternity needs. This may also include pre-pregnancy testing and exams.

Most health insurance provides extensive care for expectant mothers. But, be sure the details fit your needs. For example, which hospital does it cover in the area? Does that location offer the type of maternity facilities you want? Not all pregnancies are alike. Make sure your plan can address any special needs of the mother or child.

What Specific Needs Do You Have?

Young couples should consider health insurance carefully based on their specific needs. Consider:
  • Do you have any pre-existing conditions that warrant a more comprehensive plan? This might include chronic diseases or conditions such as asthma or diabetes.
  • What type of lifestyle do you live? Those who smoke or drink alcohol are more likely to need more advanced down the road.
  • Are there specific doctors or hospitals that you would like to use through your plan? Be sure they are available to you.
  • What is the deductible for the plan? This is the amount of money you will pay out-of-pocket before health insurance kicks in. Be sure it meets your budgetary needs.
  • Does the plan offer supplemental care? This might include dental and vision coverage.
Taking a closer look at your health insurance needs can give you better insight into what to buy. Many people remain in the same policy year-after-year, even as their needs change. However, it is best to compare your options and examine your needs annually. Your health can often change. Make sure your health insurance changes with it.

The Lancette Agency, LLC can help you get the coverage you need. Call us at (651) 264-1230 for more information on the health insurance options we offer.
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