Category Archives: Medical Insurance

Tips For Purchasing Health Insurance For Yourself

Everyone needs a good health insurance plan. Even if you’re young or old, health insurance benefits those of all ages. Searching for the right health insurance plan can seem daunting. The following advice will assist you in getting the ideal health insurance for a reasonable price.

If you have just graduated from college and want health insurance, consider these options. If you are employed by a large enough business, you are probably eligible for company provided coverage. Or, if you’re under twenty-six, you can remain on the insurance plan of your parents.

See if your employer has a wellness program for their employees. More and more companies are starting to offer incentives to employees who agree to have a health and lifestyle assessment. If you qualify, you may be able to save some cash on your premiums by participating in programs that can save your employer money.

This is why understanding how insurance works is so important. Individual policies are usually more expensive than group policies. It is possible you might have to be satisfied with a higher deductible and/or less coverage. As with any service, you should do your research to find the best price and plan.

If you, or any of your family members, have vision issues, then it is a good idea to get optical insurance. Vision insurance covers a part of your eye exams and will also pay for at least part of your contact lense or eyeglass purchases. This kind of coverage is not mandatory, and those that purchase it, but do not need it, may wind up spending more money than those who don’t get it.

Save Money

Catastrophic coverage may save money on health insurance premiums, but comprehensive coverage will save money in the long run if you have any serious medical needs. The lesser coverage only covers hospital visits or emergency care, but it will save you money.

Any coverage has exceptions loopholes, including your own health insurance plan. Read your paperwork thoroughly, so you know what your policy covers and what it does not. Be prepared to spend out of your pocket for instances that are not covered, like certain procedures or medications.

If you are contacted by an insurance carrier in conjunction with your application, do not give information for which they did not ask. Only give out information that they specifically ask for. Any extraneous information you throw into the conversation will get recorded by them, and could come back to haunt you later in the form of higher premiums or even total denial of coverage.

Despite the kind of coverage you’ve got, you can save money by getting generic drugs. Generics are available in most cases and contain the exact same ingredients as a brand name.

Health Insurance

As mentioned earlier, health insurance is something that everyone can find useful. It can be confusing to know which plan you should pick, but it is possible to make the task easier. Read as much as you can on the subject. Use the tips offered in this article, and you’ll be sure to choose the best health insurance that you can.

How To Find Health Insurance That Meets Your Budget

There are many options when it comes to health insurance. Research and more research is the way to find a company you want to work with. Make sure you do your end of the homework first. These tips can help you find the right kind of health insurance to suit you and your loved ones.

Health Issues

When you are getting a health care plan, consider the health of your family and yourself. If you don’t forsee any health issues, then a cheaper health insurance policy is probably what you will choose. This may be enticing, but if health issues arise you could be in for some trouble.

Always review your health insurance expectations for the next enrollment period as the open-enroll date nears. Perhaps your situation has changed and your policy is no longer adequate. You should also review your employee vision and dental plans during this enrollment period, if you have them.

Individual policies usually are much more expensive compared to the group coverage given by employers, so it is advised to plan accordingly. You might have to deal with a higher deductible or less coverage, or both. Get a number of quotes to find the best policy and rates.

Most likely there will be loopholes in your health insurance plan. Read every page of the policy, so you won’t be surprised when the company tells you that something isn’t covered. Be ready to take care of the cost for specific procedures and medications that insurance will not cover.

Regardless of your prescription insurance plan, you can save more money at the pharmacy by requesting generic medications. Only in rare cases will you not be able to receive generics, and multiple studies show that there is no difference in the drugs except for their brand name.

Know that due to federal regulations, you must buy health insurance from an insurance provider within your state. This means that if you go to a hospital that is out of your state, your policy may not cover it. Make sure you review your policy carefully to determine if you are covered out of your state.

Read your policy to ensure you know exactly which prescriptions are covered and which are not. The list of prescriptions covered changes every year, so read it over each time you renew your policy to see what is and isn’t covered.

Check with the doctors and hospitals that you use and make sure you will be able to keep going to them under the insurance policy you select. You can also easily find a listing of the hospitals and doctors which accept your insurance plan by visiting the insurance company’s website.

You need good health insurance if you are planning on starting a family anytime soon. If you don’t focus on this in particular when shopping for a plan, your insurance might not cover every part of pregnancy and labor.

Health Insurance

You have many different options available when you choosing health insurance. You need to do some research, and know which questions to ask, if you are going to select the best company and policy type for your circumstances. The advice in this article will help you to decide which is the best health insurance for you.

You Can Get Health Insurance Regardless Of Your Current Budget

There are many options when it comes to health insurance. Doing research and keeping notes are wonderful ways to help you in your search. Firstly, do your homework. Use the tips contained within the following sections in your search for a health insurance that works for you.

If you graduated from college recently and shopping for health insurance, then you can choose from a few different options. Perhaps you can get insurance through your employer. You can get on your parents’ insurance if you’re under 26, in which case, you can also use that time to research plans.

A personal policy is probably going to cost more than being involved in group coverage provided by companies, so make sure you plan appropriately. You might need to settle for higher deductibles or less coverage. Shop around in order to get good rates and the best coverage.

Vision Insurance

Vision insurance can be worth having if you have vision issues, or if your family has a history of vision problems. Vision insurance covers a part of your eye exams and will also pay for at least part of your contact lense or eyeglass purchases. Of course, nobody is forced to have vision insurance, and you can save a few bucks a month by not having it.

Re-assess your prescription coverage every year. Some insurance companies will change the kind of medication they cover or the pharmacies where you can get your prescriptions at. It is important to be aware of these sorts of changes when you are considering re-enrollment. If the pill you are taking on a daily basis is suddenly not covered, it is probably a good time to begin looking for another insurance provider.

Be prepared for any loopholes in your health insurance plan. Check over your policy with great care, so that you know what it will, and will not pay for. Be aware of what items you are required to pay for out of pocket and be prepared to do so.

You need to find a health insurance plan that can fit your individual needs. HMOs and PPOs are common choices, but don’t count out POS plans just because of their acronym. Each can be significantly different than the other, so really consider each before deciding. If you are pleased with your current physician, make sure he is a preferred provider for your health plan.

If pregnancy is in your plans for the future, make sure your insurance policy will cover all of your pregnancy-related expenses. This is vital to know since many insurance plans don’t cover certain things for pregnancy and labor.

Getting insurance with a group or through your employer is much cheaper than purchasing insurance by yourself. The best way to circumvent this is to join an industry group which offers its members insurance at a discounted group rate.

Do plenty of research before purchasing catastrophic health insurance. You need to make sure the insurance covers the catastrophic events that pertain to you. Choosing a policy which also has a Health Spending Account will allow maximum flexibility in case anything happens you weren’t expecting.

Getting your pet covered with his or her own insurance policy is sound advice, even if he spends his life inside. There are still many accidents that can happen in the home, such as your pet eating some poison, falling in the house or getting outside – then anything can happen. Even while inside, you could notice a broken tooth or bone, and have to take your pet in to the vet.

There’s many options you can choose when selecting health insurance. If you want to pick the correct company, you need to do our homework. Review the tips that have been provided here and you’re sure to find a policy that will really meet your needs.

Support Your Family By Buying Health Insurance

Not having health insurance can be a major problem. Locating a plan that accommodates your specific needs can feel overwhelming. Apply these tips to shop for the right policy.

Health Insurance

When selecting health insurance plans, it is essential to understand what is covered by the policy. Having health insurance that covers incidents such as these can make the difference in affording the downtime you may incur.

Vision insurance makess sense for you and your family, especially if anyone already has issues with vision, or eye problems run in your family. Vision insurance can cover a majority of your checkup costs as well as the costs of any frames, lenses or contacts you may need. Insurance for vision is not required, and many people forgo this option to save money.

Choose catastrophic insurance coverage over comprehensive to lower your premiums. Prescriptions and doctor’s visits are covered by a comprehensive plan, while hospital and emergency care is covered by catastrophic health insurance.

Don’t give more information than necessary when you are being interviewed by a health insurance provider. Just give them answers to the specific questions they ask you. If you give them more information than they have asked for, they will note it in their files and could take what they have learned to charge you more for your premiums or remove your coverage all together.

Choose the health insurance policy which fits your needs to a “T”. Select either a POS, PPO or HMO. Each company has a variety of plan options you can compare before settling on one. Before you commit to any plan, make sure you can keep seeing the same doctors.

Insurance Plans

Group insurance rates are cheaper. Thus, health insurance plans you purchase through your employer will always offer lower rates than individual insurance plans. The best way to get around this is to become a member or a trade organization that has insurance available to its members.

Having pet health insurance is a good idea, even for pets who are kept indoors all the time. Your pet could hurt itself or get sick even if it stays inside the house. Even while indoors, a pet can break a tooth or bone, and need to have expensive vet care.

The options are multiple for obtaining good health insurance. Prior to getting health insurance through your job, or even talking to an insurance agent, do your homework about what options are available to you. Be certain you completely understand everything before making a final choice.

A person cannot really survive without health care insurance in today’s world. Try to avoid becoming overwhelmed by all of the jargon, various coverage fine print, confusing deductibles, and all of the available nuances of different plans. Use these tips to choose the right insurance for you.

Don’t Go One More Day Without Health Insurance

Sometimes, people find understanding health insurance hard. Much of this confusion can be cleared up with the right information. The following will show you how easy health insurance is to understand and help you get started on the path to more affordable, quality coverage. Take this information and use it as an asset.

It is important to review your health insurance policy each year during open enrollment. Your current coverage may no longer be adequate if your health conditions have changed or if you need coverage for a new family member. During the period of open enrollment is when you can make changes to vision and dental insurance if that is something your employer offers.

Vision Insurance

If you have vision problems now, or if members of your family do and you think you will in the future, vision insurance is something you will want to purchase. Coverage could include your physical exams as well as portions of the cost for spectacles and contacts. Vision insurance is not mandatory, and some people spend less money not having this type of coverage.

Be aware of your tax credits for health insurance bills. Some companies offer a savings account for medical expenses. The money that goes directly into this account is tax free. Any money you pay for your deductible, co-pay, or even prescriptions are claimable as well. Check the guidelines since federal and state taxes differ.

Determine the specific health insurance policy that would best serve you. You can choose from PPO, HMO and POS. Each company has a variety of plan options you can compare before settling on one. If you are pleased with your current physician, make sure he is a preferred provider for your health plan.

Look over your health insurance policy in order to have knowledge about which prescriptions will be covered through it. The list is updated annually, and if you take expensive prescriptions, you should ensure they’re still covered before you re-enroll.

When you are looking to change health insurance plans be sure to verify that your current doctors will be covered, unless you do not mind having to change doctors. The insurance company you are considering will usually post a list of providers in your area who are on their approved list, but it still wouldn’t hurt to call for a confirmation or update.

Health Insurance

If you are thinking about becoming a parent, look at your health insurance and make sure they will cover your expenses throughout the pregnancy. You must consider this, as certain health insurance plans exclude prenatal care and labor from their coverage.

Keep track of your bills. You’d be surprised of how many bills you receive even with insurance, such as those for prescription drugs. Generic versions of medications are often ignored by doctors writing prescriptions. Make sure you explore your options. Some generic medications cost less at different pharmacies.

Catastrophic coverage is a viable option for those who cannot afford the premium payments for a more comprehensive health insurance policy, but who want some coverage in the event that there is a sudden major illness or accident. This type of policy will also provide benefits to your overall health care portfolio in that you will be protected if extreme situations arise.

Even indoor pets can benefit from having a health insurance plan. There are still hazards indoors, and unfortunately, disease can strike anywhere. Even inside, pets can suffer broken bones or teeth from a fall.

Health Insurance

In the start of this article it was noted that a lot of people see that educating themselves on health insurance is not difficult. If you educate yourself about the topic, it does not have to be this way. By reading the information here, you have taken a big step towards learning everything you know about health insurance.

Support Your Family By Buying Health Insurance

Health insurance is a must-have in the event you have a serious medical emergency. You never know when disaster will strike in the form of illness, accident or injury. If you aren’t prepared with a good health insurance plan, you could stand to lose everything. If you have a good health plan in place, you can rest easy that your expenses will be taken care of. You have a couple of choices when it comes to purchasing health insurance. You can go with an individual plan, or if your employer offers group insurance, you can save money by choosing that plan.

Health Insurance

When you choose health insurance, know what your policy covers. Having incidents like these covered by your health insurance can help you bear any resulting downtime.

Think about your family’s health needs, including your own, when deciding which employer-sponsored health insurance plan to sign up for. For example, if you’re basically healthy you may consider buying cheap insurance that doesn’t cover many services. Saving money is good up front, but if you don’t have enough coverage, problems can get expensive quickly.

When you are thinking about purchasing health insurance for yourself, sit down and think about all the costs that are associated with it. It can be difficult to comprehend premiums, co-pays and deductibles but you need to understand them. These are all important fees that need to be included when you are figuring out what your insurance is going to cost you.

If you or your family has vision problems, you will want to consider coverage for this. This insurance will help to cover a certain percentage of your eye check-ups as well as your contacts or glasses. Insurance for vision is not required, and many people forgo this option to save money.

Catastrophic Coverage

In order to save money, consider getting catastrophic coverage instead of comprehensive. Comprehensive health insurance covers everything, whereas catastrophic coverage only covers a visit to the emergency room or hospital care.

Track your health insurance premiums to cut down your tax liability. Although many people aren’t aware of the fact, health insurance premiums are tax deductible. The cost of covering your deductible, co-pays and prescriptions are also tax deductions. Be sure to check the separate guidelines for state and federal tax differences.

Regardless of the type of health insurance you have, you’ll save a lot of money by opting for generic drugs over their name brand equivalent. Odds are, most of the time you’ll be able to get generics, and research has regularly demonstrated that they only difference in these drugs is their brand name.

Check with physicians and medical care providers that you use routinely to be sure that they will accept whatever health insurance you may be purchasing. Simply check the insurance company website for a list of hospitals and doctors that are in the network of the insurance provider.

If you are relatively healthy and don’t need to visit the doctor often, health savings accounts (HSAs) might work for you. Take some of the funds that you would otherwise spend on an insurance premium and put it into your HSA. This way, you always have health care funds should you need them, but you aren’t locked into an insurance contract.

Health Insurance

When you are comparing insurance plans, you may see that you will pay less with a group plan, but if you have an individual plan you will have more choices. In either case, the important thing to keep in mind is that you should have at least some form of health insurance. In today’s environment, if you choose not to purchase health insurance, you’re asking for trouble. Life can come at you fast, and any sudden illness or accident could find you draining your life savings in no time at all. Research your options, and get coverage!

Maximize Your Health Insurance Coverage With This Advice

It is risky to go without proper health insurance, since you never know when you may suddenly need medical care. A car accident, diagnosis of an illness, or a dangerous fall can all lead to more medical bills than you have the money to pay. Having a solid health plan is the safest option; use the advice below to pick the best policy for your family.

Health Insurance

Your choice of health insurance hinges on what it covers. When you have a health insurance plan that will cover incidents like this, it can make a huge difference when you have to pay for things during you downtime.

If you require health insurance and have are a recent college graduate, there are some things for you to think about. If you are employed, see what insurance options are offered through your employer. If you are younger than 26, your parents can still have you under their plan, or you can look up individual options too.

Your employer may have a wellness program available that can reduce the cost of health insurance. Employers will often offer incentives and bonuses to employees who undergo a health assessment. By doing this, you can then enroll in fitness programs. This provides your company with savings on insurance coverage, which, in turn, reduces your premiums.

Open Enrollment

It is important to review your health insurance policy each year during open enrollment. Perhaps your situation has changed and your policy is no longer adequate. Remember to make any necessary adjustments to your vision and dental plans during open enrollment as well.

Individual policies usually have higher costs than the group coverage offered by employers, so plan accordingly. You might have to deal with a higher deductible or less coverage, or both. Shop around for the best rates and coverage.

You can save money on health insurance, try dropping coverage from comprehensive coverage to catastrophic and stay healthy! Unlike comprehensive insurance, catastrophic coverage has less coverage for routine care, and will only cover “big ticket” costs.

Expect health insurance policies to have hidden loopholes within the fine print. You need to thoroughly read your policy, so that you understand what it says and are not caught off guard if they say they will not cover something. Some procedures or prescriptions will come with costs that you have to pay up front.

Regardless of the kind of policy you have, choosing generic medications will always save you money. Only in rare cases will you not be able to receive generics, and multiple studies show that there is no difference in the drugs except for their brand name.

Remember that insurance is regulated by the state, and so it cannot be carried over state lines. This can restrict you from being treated at hospital which is out of your state, because your expenses might not be covered. Make sure to check with your insurance provider about these gray areas.

Check your health insurance plan to learn about what prescriptions are going to be covered under it. Since this prescription list changes often, you should be sure to check it when you enroll again.

If pregnancy is in your future, make sure your insurance plan covers all your expenses. It’s important to find out, as some insurance plans are unable to be used for certain services during labor and pregnancy.

Pet insurance is just a smart play for any family pet, even if the animal lives inside. There are still hazards indoors, and unfortunately, disease can strike anywhere. Though your pet may be indoors, it could still manage to chip a tooth or damage a part of its body, for which treatment will cost quite a bit of money.

Health Insurance Policy

Having a health insurance policy is crucial, you should always be prepared for the unexpected. At any given moment, you can be involved in an accident, or contract a life threatening illness. So use these tips as a check list when you shop for a health insurance policy, so you can get the most for your money and get the right plan for your family.

Everything You Need To Know About Health Insurance

Do not approach health insurance with fear. It is true the field is complex and your options are many, but the more you learn, the safer you will feel. Health insurance is similar to healthcare itself. An ounce of prevention is worth a pound of cure. By making smart choices when you select health insurance, you can avoid difficulties in the future.

Catastrophic Coverage

One way you can monetarily save on health insurance premiums is to choose catastrophic coverage instead of comprehensive. Catastrophic coverage only kicks in for emergency care and hospitalizations, whereas comprehensive coverages includes coverage for prescriptions and visits to the doctor.

Let your health insurance get you money back on your taxes! Although many people aren’t aware of the fact, health insurance premiums are tax deductible. The money you pay for deductibles, visits or prescriptions that aren’t covered by insurance are also deductible. Check the guidelines since federal and state taxes differ.

There are always some situations and conditions that will not be covered by your health insurance. Thoroughly read your policy, so you wont be surprised when they tell you that your insurance doesn’t cover something. You may have to pay for certain things yourself, such as some prescriptions or procedures.

Check your health insurance plan to learn about what prescriptions are going to be covered under it. Since this prescription list changes often, you should be sure to check it when you enroll again.

Check with the doctors and hospitals that you use and make sure you will be able to keep going to them under the insurance policy you select. You can easily check to see if your doctor is listed by checking the insurance provider’s website.

Health Insurance

Since it is cheaper for you in the long run if you are part of a group plan, that is why your rates seem lower when you work for an employer than when you get insurance on your own. If you are not currently employed, you could still get cheaper health insurance buy joining a trade organization which offers its members group health insurance plans.

Read your bills when they arrive. Even with health insurance you will get bills that you did not expect. Prescription medications especially can add up to a significant expense that you may not have factored in to your out-of-pocket costs. Many doctors just write out these prescriptions for brand-name meds without mentioning generics. You definitely want to shop around for the best price. The amount that you will pay for the generic medication may be more at one pharmacy, and less at another.

Health Coverage

Catastrophic coverage is a viable option for those who cannot afford the premium payments for a more comprehensive health insurance policy, but who want some coverage in the event that there is a sudden major illness or accident. Catastrophic health coverage is an excellent addition to existing health coverage as well. It gives extra coverage in extreme situations.

Even indoor pets can benefit from having a health insurance plan. There are many hazards that can happen inside, there can be injuries or accidental poisoning, and a pet can also slip out where anything might happen. Injuries and illnesses are easier to handle without having to deal with expensive vet bills.

Don’t wait until you need your health insurance to find out what expenses your policy covers. The smart way to search for health insurance is to arm yourself with knowledge about how it works, what you should look for, and what you should avoid. It’s also important to be cognizant of all the options available. Living with poor health insurance is a bad decision, but it is one that you can correct at any time.

Health Insurance: Just The Basics, Just The Facts

Choosing health insurance from among the many choices for yourself as well as your family can be hard. However, in the case of a medical emergency, that little card can literally be life-saving. This article can teach you about health insurance, along with what benefits you can reap.

When considering a health care insurance plan from your employer, take into account your own personal health and the health of your family. If your health is good, you may choose to purchase insurance that has a lower premium. It is less expensive in the beginning, but if you do get sick then it can become very expensive.

Health Insurance

Look at all of the total costs for any policy when choosing health insurance. It is important for you to take the time to understand exactly what your co-pays, premiums and deductibles are when you have health insurance.

When it’s time for open enrollment, evaluate your needs when it comes to health insurance. Life changes quickly and today’s coverage may not meet your needs due to adding someone to your family. You can also make changes to vision, dental and other insurance options.

It is wise to look over your prescription insurance plan at least once a year. Insurance companies will revise their rules regarding prescriptions on a yearly basis, so take the time to read the new rules before you re-enroll. If you need medication on a regular basis and your insurance company no longer covers it, you need to find a new insurer.

Do not volunteer personal information to health companies who call to solicit services or ask for applications. Give responses only to specific queries they have made. If you add any extra information, it will be notated in their records and could result in higher premiums or even a rejection of your application.

Investigate your prescription coverage by reading your health insurance policy. The list of covered prescriptions changes annually, so it is important to be certain that your medication is still covered.

Find out if the company will charge you to have your husband or wife on your plan or if it is easier for them to do it through their own work. It may sometimes be more economical for you and your spouse to obtain individual insurance plans through your employers, so compare costs under both circumstances.

Pet insurance is just a smart play for any family pet, even if the animal lives inside. There are always hazards of accidental poisoning and injury indoors, and of course, if your pet accidentally slips out, anything could happen. Even while indoors, a pet can break a tooth or bone, and need to have expensive vet care.

Insurance Policy

Are you currently covered under a health insurance policy? Having a life insurance policy will provide a safety net for your loved ones if something were to happen to you down the line. Apply these tips to find the right policy.

What To Do When You Don’t Understand Health Insurance

If you do not have health insurance, it can be very risky if you have a serious health problem or have any trauma, such as breaking a bone or being diagnosed with a disease. So it is always good to have a nice health plan just in case anything goes wrong, and this article can help guide you in the right direction with the tips provided.

To save cash on health insurance, ask if you company has wellness programs for their employees. Several companies offer benefits for their workers to have evaluations done of their living behaviors and wellness. By doing this, you can then enroll in fitness programs. This provides your company with savings on insurance coverage, which, in turn, reduces your premiums.

Purchasing insurance on your own often results in higher policy costs compared to group plans offered through an employer. Make compromises by settling for higher deductibles or less coverage. Shop around in order to get good rates and the best coverage.

It doesn’t matter the type of insurance coverage you currently have, but you will save money if you choose generic drugs. There are only rare times you can’t get generic medicine, and most studies show there is not a measurable difference between brand and generic, save the name.

Determine the specific health insurance policy that would best serve you. Chose from HMO, PPO and POS. Each can be significantly different than the other, so really consider each before deciding. Be sure you’ve got the option to keep seeing your current doctor.

If you are hoping to have a baby soon, make sure that your health insurance covers all aspects of your pregnancy. You need to know this as some insurance plans do not cover all aspects of the pregnancy and labor.

Though you may not be aware of it, adding your spouse onto your own health insurance policy at work can trigger fees if similar coverage is available at their own place of employment. Take a look at the details and determine whether you could actually benefit financially by keeping your policies separated.

Insurance Plans

Group insurance rates are cheaper. Thus, health insurance plans you purchase through your employer will always offer lower rates than individual insurance plans. You can avoid higher costs by joining a trade organization who offers members insurance.

Having pet health insurance is a good idea, even for pets who are kept indoors all the time. Hazards can occur even in the safety of your home, and these possibilities range from possible poisoning to the prospect of your pet slipping outside by accident. Your pet may even break a tooth or a bone while living inside and require vet care.

If you are suffering from any disease or condition, make sure you find out what your health insurance company thinks of that! You may not even be approved with certain conditions, and some companies will approve you and then charge you a massive premium surcharge. Doing research is a great way to get the best rate possible.

When you switch policies, get all your facts from your current policy. Be aware of your annual payments, deductibles and what medical costs are covered after reaching the deductible. Keep this information with you as well as your current insurance plan when searching for a different policy.

If you don’t, insurance companies could dismiss your enrollment or deny a claim just because you gave some wrong information. By double-checking your insurance form, you can skip these hassles.

There are often plans at your provider network which allow lower premiums and reduced cost medical cards. Families with lower incomes can use the cards to obtain health care at reduced costs. With one of these cards, you can get a Health Spending Account only insurance plan to cover the costs.

The significance of health insurance can never be understated, given the fact that we cannot predict the future, or what it may hold for us. You or a family member can have an accident or get sick at any time. Apply the knowledge here to ensure that you are getting adequate coverage at any affordable price.