Part of intelligent living is making wise choices for your family’s health. That means getting health insurance plans flexible enough to meet your growing family’s needs.
If you’re not familiar with family health insurance, it’s health insurance that covers all your family members in one policy with one premium. This is not only more cost-effective but also more practical.
For peace of mind while growing together, consider these seven flexible health insurance plans, ideal for expanding families.
Medicaid/CHIP
The program known as Medicaid is a US Federal health insurance program for eligible individuals or families with limited income.
Medicaid provides health coverage to millions of Americans, including children, pregnant women, elderly adults, and disabled people. Medicaid is applicable in all states and includes nursing home care for older family members.
If you are found to earn too much to be eligible for Medicaid yet still need low-cost coverage for your children, there’s CHIP – the Children’s Health Insurance Program. In certain states, CHIP coverage may extend to pregnant women, too.
Blue Cross Blue Shield (BCBS)
The Blue Cross Blue Shield Association offers affordable, high-quality health insurance through 36 locally operated, independent health insurance companies. Many of these insurers comply with regulations set out in the Affordable Care Act (ACA), a health reform law that makes health insurance more affordable and more accessible.
BCBS offers health insurance for families with spouses, dependent children up to age 26, and even foster children. However, as different insurers offer health insurance policies under BCBS, the coverage, benefits, premiums, and extra costs will vary.
UnitedHealthcare
UnitedHealthcare offers ACA-compliant health insurance plans on the Health Insurance Marketplace in 18 US states. The benefits and coverage may differ depending on which state you reside in and which plan you choose.
In New Jersey, their NJ Family Care Plan offers coverage for families with children and parents needing assisted living, as well as expecting mothers. This plan includes a range of benefits like preventative health check-ups, imaging and x-rays, lab tests, vision and hearing services, and dental care.
Most UnitedHealthcare plans also cover alcohol and drug addiction treatment and rehabilitation.
Aetna
Aetna offers not only comprehensive health care for growing families but also international health care. So, if your work necessitates a move to a foreign country, Aetna is your best bet.
Aetna International is part of Aetna and the CVS Health family of companies, offering coverage to expats and business travelers and their families in over 200 countries and territories.
Its International plan with maternity and new parent support is ideal for the growing family with a need or desire to travel the world.
Cigna
Cigna Health Insurance offers low-cost, ACA-compliant private health insurance policies, Medicare Advantage, and Supplement Plans for growing families. Thanks to the virtual primary care available through the telehealth service MDLIVE, you can get valuable medical advice from the comfort of your home.
This 24/7 healthcare line operates over the phone and through video if you can’t leave the house because of your small children. This makes this the ultimate flexible health care for families.
Cigna has dedicated health coaches and online tools that help you make the best choices for your growing family’s health care. And this is not limited to physical health – they also cover mental health services.
Kaiser Permanente
With Kaiser Permanente, low-income households who can’t access other public or private health coverage can still safeguard their expanding family’s health. It is one of the US’s largest healthcare providers and accepts many popular US health insurance plans.
Kaiser Permanente also has its own health insurance plans and places a lot of emphasis on the prevention and early detection of illness. This gives you the winning combo of health care with health coverage, all in one place.
Its range of plans covers a wide array of needs, and it even offers charitable health care and coverage to low-income families.
Oscar Health
Thanks to Oscar Health’s amazing support and affordable coverage, your expanding family will have all their needs met. Virtual care, low-cost meds, and supportive services make taking care of your family’s health simple.
Oscar Health’s Care Team will happily assist members to find network medical providers close to their homes that accept Oscar Health plans. They’ll even help with scheduling appointments. And don’t stress about those prescriptions, either. They’ll fill your prescription on their app and have it delivered to your home.
Because transgender and non-binary people are often discriminated against in the healthcare system, Oscar Health is proud to support them with their ‘MyIdentity’ platform. This is proof of a commitment to non-discriminatory care for all types of families.
Conclusion
When it comes to protecting your growing family’s health, having flexible health insurance plans is crucial. By choosing the right health insurance plan, you can ensure peace of mind and the best care for your loved ones as you navigate the journey of growth together.
