A Good Family Health Plan Will Protect Your Family – And Your Wallet

To protect your family’s personal and financial well-being, having a good family health plan with robust benefits is essential. Health insurance gives parents the peace of mind of knowing they can get the care they need for themselves and their children and that a catastrophic illness or injury won’t lead to financial ruin or bankruptcy. Providing your family with sufficient health insurance coverage is vital to caring for those you love.

When shopping for health insurance for your family, you have plenty of options. While all plans sold on the Health Insurance Marketplace must provide the same primary benefits thanks to Obamacare, they can differ in many ways, including the scope of physician and pharmacy networks and out-of-pocket costs such as deductibles, copays, and coinsurance.

The best way to determine which insurance plans are best for you, your family, and your budget is to work with an experienced and knowledgeable Arizona health insurance expert who can provide you with the options best suited to your family’s needs and finances.

Here are eight features and benefits you should look for in a family health plan. These features can provide significant financial and health-related advantages to your household:

Hospitalization Benefits

Anyone who has been in a hospital for even a few hours knows that they aren’t cheap. Bills that reach tens of thousands of dollars can pile up in just a few days. That is why hospitalization benefits are one of the most critical features you should look for in a family health plan. These benefits cover the cost of hospitalization, including room charges, doctor fees, nursing charges, and other associated expenses.

Hospitalization benefits are especially vital to families with small children as they are more prone to accidents and illnesses that may require hospitalization.

Outpatient Benefits

An increasing number of procedures that would require inpatient hospital stays in the past are now available on an outpatient basis. Outpatient benefits cover the cost of medical treatment an individual receives outside of a hospital setting, such as doctor visits, diagnostic tests, and outpatient surgeries.

Outpatient benefits are particularly valuable for families who visit doctors often or need frequent diagnostic tests. If this describes your family circumstances, selecting a plan with robust outpatient benefits will be a wise investment.

Prescription Drug Benefits

Many Arizonans regularly take at least one prescription medication, regardless of age. Including prescription drug benefits in your health coverage will ensure that prescribed medications are affordable.

AZ Health - family health plans should include maternity benefits

Maternity Benefits

The national average for prenatal, delivery and postnatal care without health insurance is an astronomical $18,865. Whether you are planning to expand your family or the happy event comes as a surprise, having benefits that will reduce your out-of-pocket costs is an important consideration when choosing a family health plan.

Related: What Constitutes a Life-Change Event For Health Insurance?

Preventive Care Benefits

Even people who understand the benefits of preventative healthcare – vaccinations, screenings, annual physicals – may be reluctant to obtain such services if they have to pay for them. Preventive care benefits take care of that concern by covering the cost of preventive health services, ultimately saving families even more money by reducing the chances of developing a serious and costly health condition.

Most health plans in Arizona offer preventative care benefits. Still, we recommend that you read the fine print of any policy carefully before signing on the dotted line to ensure you are getting the preventative benefits appropriate for your family and circumstances.

Mental Health Benefits

Rates of anxiety, depression, and other mental health issues have skyrocketed in recent years for adults, adolescents, and children alike. Enrolling in a family health plan that helps defray mental health care costs ensures that families dealing with mental health concerns can seek and get the treatment or counseling they need.

Dental Benefits

As every parent knows, kids are prone to cavities. And as every adult knows, a root canal, crown, or other invasive dental work can be both unpleasant and expensive.

Fortunately, many of the best family health plans in Arizona also include dental benefits that will cover most or all dental care costs, including routine check-ups, cleanings, fillings, and other dental procedures.

Vision Benefits

Like dental benefits, many health insurance policies in Arizona include vision benefits. These plans will cover the cost of vision care, including routine eye exams, glasses, and contact lenses.

Vision benefits are beneficial for families with children who may need regular vision evaluations and corrective lenses or glasses.

Looking for a Family Health Plan? Arizona Health Insurance Experts Can Help.

Arizona Health Insurance Experts helps families across the state find the family health plan that can keep them healthy and happy by connecting them with the state’s most extensive collection of independent insurance agents and brokers. This partnership delivers the exceptional customer experience you deserve and the family health insurance coverage you need. Find a broker near you today.