About Health Insurance for Families

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When picking out a health insurance plan for your family, you're always going to want to keep a few important things in mind. Learn about health insurance for families with help from an insurance broker in this free video clip.

Part of the Video Series: Personal & Health Insurance Tips
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Video Transcript

Hi, my name is Susan Combs, and I'm an insurance broker for Combs and Company. Today, we're going to talk about health insurance for families. Depending upon what state you are in it can be very very different to obtain insurance for families. For example in the state of New York, brokers aren't allowed to work with individuals for health insurance but in many states you are able to. So a couple things to keep in mind are you know, how do you utilize the insurance? How often do you go? A couple things also to think about, are you planning on having a baby? Because a lot of states will have maternity coverage that you have to elect when you are signing up for insurance. So if you are planning on having a baby or you are already pregnant, that's a key thing that you want to remember. You also want to think about pre-existing conditions. Depending upon the state, right now until 2014, it's very very different from state to state. Typically the federal law is that as long as you've had coverage in the past 12 months with no more of a lapse of 63 days, then all pre-existing conditions are covered. So that's something to really look into if you have pre-existing conditions state by state. I would really encourage you to talk to an insurance professional and get their take on it. There might be insurance carriers that are more lenient on different things that you are looking to, might be better price points, might be better network doctors based upon your area. So the insurance professional is really going to help guide you through this process.


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