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How to Select the Best Health Insurance for Your Family

Uncomplicate the health insurance sign-up process this year

Let’s be honest — signing up for health insurance isn’t exactly an activity that many of us look forward to. Ever-changing rules and regulations, complex policies, and inflated costs can lead to headaches and confusion for those of us simply searching for quality coverage.

And with the added pressure of the Open Enrollment Period (November 1 - December 15), completing the sign-up process for the Affordable Care Act can be quite a chore.

Thankfully, there are other options. Private insurers offer you the opportunity to purchase qualifying coverage for yourself and your family outside of the Open Enrollment Period.

Let’s take a look at a few of the things you’ll want to keep in mind when shopping around for health insurance this year.

Diversity of Coverage

Not only do you have to consider your own health care needs, but you also have to take into consideration the needs of your partner and children. Due to varying requirements of your family, you’ll want to seek out an insurer that offers flexible policy options.

While the Affordable Care Act provides plenty of coverage for many, it doesn’t offer the à​ la carte menu that some health insurance companies make available. Even the insurance provided by your employer can be complemented by a private insurer. Adding optional but essential pieces to your family’s policy can supplement even the most comprehensive of coverage.

For example, telemedicine is rising in popularity due to its ease of use and its cost-saving capabilities. What do you do if your child becomes ill in the middle of the night and you’re unsure if they require medical attention? With telemedicine, you are able to access a licensed practitioner over the phone at any time and discover whether or not your child needs in-person care — providing not only peace of mind, but sparing yourself expensive out-of-pocket medical bills for unnecessary visits as well.

Payment Scheduling

Not only can health insurance be confusing, it can also be costly. Medical expenses are a leading cause of bankruptcy in the United States. You’ll want to closely analyze your total monthly cost before picking a policy.

While we’d encourage you to inquire as to whether your plan requires a deductible or includes an out-of-pocket maximum, it’s more beneficial to choose a company that allows you to add specific products to your policy — and remove them as well.

For example, if your family members do not wear glasses or contacts, paying extra for vision care might not be a top priority. By seeking a non-bloated plan, you’ll be able to avoid overpaying for policy options that your family may not necessarily require and curb the cost of your overall health insurance.

It’s important to assess your family’s medical needs before choosing a plan, as your family can benefit physically and financially from living a healthy lifestyle.

Personalized Service

One of the many benefits of technology’s rapid advancement is that health insurers now have the ability to personally cater to their patients.

Parents and their children are busier than ever. Work, school, extracurricular activities — they make it nearly impossible for many of us to find time in our schedules for anything outside of our typical routines. Many companies now allow you to sidestep the printing and signing of physical paperwork by taking advantage of their online sign-up processes. From uploading documents to creating a personalized plan that works for your family, you’ll want to shop for a provider that makes the entire process as seamless as possible.

An All-In-One Option

Searching the internet for a quality provider can be overwhelming. That’s why we thought it’d be helpful to point you in the direction of a comprehensive health insurance provider.

Companies like Aloe take the complexity out of health insurance. By offering short term, critical illness, accident, dental, and vision care, they allow you to rest easy knowing that each member of your family is well-covered. Want to leave specific piece of coverage off of your policy? That’s completely up to you.

Sometimes you or a loved one just needs someone to talk to. Aloe’s 24/7 telecounseling services let you connect with a medical professional at the time of your choosing. They also have the ability to call in prescriptions over the phone — saving you precious time. Convenience and personalized care were meant to go hand in hand.

Interesting in finding out more? Schedule a callwith Aloe today to review policy options with a personal representative.

Providing premium coverage for your family is of utmost importance. Select an insurer that offers diverse policy options, flexible payment scheduling, and individualized care — and you’ll give your family the health insurance they deserve.

*Sponsored by Aloe*