Along with health care reform comes the potential for changes in your individual health care expenses. Choosing the right insurance plan can be a great way to make sure your family is healthy and within budget.
Be sure to select your insurance plan based on your family's needs and not on costs alone! Picking the cheapest plan does not mean automatic savings.
Some plans offer low premiums, but may not offer the coverage that is best suited to your family and can result in costly out-of-pocket expenses for additional services. For example, if your child has asthma, he may need to see a respiratory specialist, which may not be covered by certain plans, and can result in your picking up the bill yourself.
So make sure you carefully consider the health of your family and any potential health issues that may arise in the upcoming years. Answering these questions may be tough, but in the long run, they can help make sure your health and budget are in good shape.