Healthy Living

Knowing the Right Time to Buy or Alter Your Health-Insurance Plan

Health insurance is a critical piece of coverage to have as you develop through life. As an adult, your bare minimum of care should involve yearly physicals with checkups during those unexpected sicknesses. Buying or changing your health-insurance innovations  of life’s evolution too. Compare your life to the coverage in your current policy so that you can cover all of your loved ones without fail.

Knowing the Right Time to Buy or Alter Your Health-Insurance Plan
Photo Source: Pixabay

Being Aware of Your Health

In today’s insurance world, many policies have bundles or sections that you can select or omit. Dental, vision and other bundles are under your discretion to choose when it’s necessary in life. You may have perfect eyesight in your 20s, but it will decline in time. Consider vision insurance for yourself as you enter the 30s and 40s. In most cases, you can add it on during your yearly enrollment period. Don’t wait until your eyesight is truly poor, however. Some of the new coverage may not apply to your situation with such bad eyesight.

Adding a Spouse

If you’re engaged to be married, discuss your health-insurance options well before the big day. Your spouse may have coverage from an employer along with your policy. These coverage amounts can actually complement each other by continuing to hold them through the marriage contract. If you find that one policy is much better than the other one, you can always cancel the inferior coverage. One spouse will simply need to add the other person onto their policy when the enrollment period comes around again.

Enjoying Pregnancy Care

A spouse who becomes pregnant will be covered under their current policy for most prenatal needs. Discuss any delivery concerns with your insurance provider, however. Depending on the circumstances, you may need extra coverage when the due date arrives. Certain professionals, such as Health Insurance Innovations, can give you guidance regarding the proper products. As soon as the baby is born, the child is immediately covered by the policy until you designate extra or alternative coverage.

Concerning Elderly Parents

When your parents grow older and enter their retirement ages, you may be tempted to add them to your insurance policy. Read the fine print on your policy, however. It’s a fact that most policies don’t cover dependents who aren’t your children. Look for potential coverage under “adult dependents.” Your insurance may have this choice as an add-on feature. Most seniors rely on government insurance and their personal policies to keep up with their health. It’s only in rare instances that you’ll need to cover any part of their care.

Stepchildren and Grandchildren Additions

Adding grandchildren onto your policy is different than basic dependents. In most cases, look for an insurance rider that’s defined as a “child only” policy. You’ll be able to cover the grandchild as long as you pay that particular premium set up during an enrollment period. Stepchildren, in contrast, are technically dependents when you’re married to the parent. They’ll be covered under your typical policy as if they were your biological children. Simply verify that every detail is accurate on your insurance before agreeing to the policy.

Speak with your insurance professionals, such as Health Insurance Innovations, whenever there’s any questions. Understanding your policy and the marketplace options will only help your family grow and thrive well into the senior years.

Giveaways, Healthy Living

Understanding Your Health Coverage Costs – $100 Amazon Giveaway

This is a sponsored post on behalf of UnitedHealthcare. All opinions remain my own

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You would think that the conversation about understanding your health coverage costs would be too heavy of a conversation. Where do you start to wrap your brain around costs within health care plans? Honestly, most plans are set up to make this as easy as possible for you. It takes the guesswork out of the resulting costs of care because you have other things to focus on.

My brother has 3 boys and when the oldest was a toddler he began having seizures. After many Dr and hospital visits turns out it was a pain response with him. He would get tummy aches and seize. The good news is he will grow out of it and he did. He is 10 and hasn’t had a seizure since preschool. However, my brother and SIL were very young and it broke my heart when 3 years later they filed bankruptcy just to get out of the mounting bills. They had an expensive ambulance bill, testings, blood work and many visits and overnight stays. They weren’t prepared and when you’re young and unexperienced you don’t know where to find solutions and avenues. It is important to not only be covered but to have a plan and know, in advance, all of the resources available in the moment of unexpected medical emergencies.

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You really need to focus on 3 things when it comes to saving money, in other words, spending as little as possible for services. First, you need to know your health plans network. These are approved Doctors, Hospitals, Clinics, Labs, Services and Specialties that you can use to spend less. If you choose to see or visit one outside of your plans network you will pay more. Second, you need to know if your plan allows you to see whomever and whenever or do you need referrals to see a specialist or have a procedure done? If you require referrals you need to communicate with your primary doctor on when that referral is approved so you are clear and covered to make that appointment. Your Doctor’s office is set up to alert you if you need a referral but make sure you are aware-better to be safe than sorry. Third, know alternative options to an office visit. Dr. office copays can be an unexpected out of pocket cost and in some plans a visit to an urgent care or ER costs even more. Does your health plan offer a nurse or health line? If so, they tend to be free to use and you can get minor questions answered and even get medications sent top a Pharmacy in some cases. This will save you a trip into a Dr. office as well as that copay.

UnitedHealthcare and myself really want to help you understand the costs associated with your health plan. Just head to the UnitedHealthcare Managing Health Care Costs Page and take a short learning quiz AND play a short matching game AND watch a short video to be entered to win several prizes. It is very quick and easy.

How to enter to win all prizes:

1. UnitedHealthcare has 3 engagements for March: Each engagement offers a $100 weekly prize winner and a $500 monthly winner. Lots of chances to win and it only takes seconds! You can enter each engagement daily.

  • Cost Quiz 123: Answer 3 quick quiz questions to see what you know
  • Look and Learn: Watch a short video (same as the one above) & submit
  • Perfect Match: Play a fun 8 card matching game

2. Parenting Healthy (that’s me) is offering a $100 Amazon gift card prize. To enter you just need to complete the 3 engagements above PLUS use the promo code: ParentingHealthy on the submit page where it asks you for a code. Plus I will have other entries including daily entries. ENTER ON WIDGET BELOW for my giveaway. Enter daily.

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Giveaways, Healthy Living

Learn How To Use Your Health Care Plan-Giveaway

This is a sponsored post on behalf of UnitedHealthcare. All opinions remain my own

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Did you renew or get a new health care plan recently? You probably have a thick booklet given to you that explains all of your benefits and the best way to use your plan that is sitting in a stack of papers somewhere on your desk like mine is.

In an emergency I feel like my health care provider and insurance will find a way to get things covered to the best and the rest would be out of my pocket. Would this cover be best? Maybe I should dig deeper into my plan? Have you done that?

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My family is relatively healthy. We do travel a lot and my youngest is very active in sports. The oldest carries his own insurance now and we still cover the middle boy who is a Freshman at College. There are risks and the potential with these boys and a husband who also travels for work for an emergency at anytime and anywhere and I do NOT understand my plan enough. I would not be confident I can use it to the full potential.

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Learn basic like your start date-it doesn’t always start on an obvious date and how to obtain cards to carry around. Also learn exactly how to choose a Doctor you can be sure participates with your plan. Know where all the FAQ answers are to certain questions.

The Giveaways (please read carefully):

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UnitedHealthcare and myself really want to help you learn how to use your healthcare plan. Just head to the UnitedHealthcare How To Use Your Health Care Plan Engagement Page and take a short learning quiz AND play a short matching game AND watch a short video to be entered to win several prizes.

The prize breakdown:

1. UnitedHealthcare has 3 engagements for February: Each engagement offers a $100 weekly prize winner and a $500 monthly winner. You can enter each engagement daily.

  • Health Facts 1 2 3: Answer 3 quick quiz questions to see what you know
  • Look and Learn: Watch a short video
  • Perfect Match: Play a fun 8 card matching game

2. Parenting Healthy (that’s me) is offering a $100 Target gift card prize. To enter you just need to complete the 3 engagements PLUS use the promo code: ParentingHealthy on the submit page where it asks you for a code. Plus I will have other entries including daily entries. ENTER ON WIDGET BELOW for my giveaway

*TIP: You can come back each day-complete the engagements again each day for daily entries on all of our prizes.

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