Archive for August, 2009
Having a baby
Congratulations! This is an exciting and rewarding time for you! And while it will pose a lot of new challenges and questions, being prepared can help ease many of the doubts and concerns common to new parents and allow you to enjoy the million precious
Getting Married
Congratulations! The coming weeks and months will be a busy, exciting time for you both. This section will help you plan your wedding and focus on the personal, financial and legal issues to consider as you walk down the aisle into married life. To Do
Death
Whether expected or unexpected, the death of a loved one creates a wide range of emotions and life changes that have to be addressed. As you begin to get your loved one’s financial affairs in order, one of the first things you should do is
Adoption
Adoption brings joy and fulfillment to the lives of parents and children. Since the lifelong interests of the child are involved, the process can be complicated, time-consuming and, at times, frustrating. This section acquaints you with adoption procedures and the issues you should consider. It
Life Change Events
During any transition, it’s important to know what steps to take regarding your benefit plan. Plan for life’s changes with the following information. Adoption Death Getting Married Having a Baby Separation / Divorce
An individual with chronic health problems
If you or a family member are expecting significant medical expenses for the future, the plan with the least amount of out-of-pocket costs may be the best choice — presuming the provider selection is acceptable. Since individuals who receive frequent medical care often have established
An individual with a dependent living away from home
Many managed care plans provide only emergency care for a student away from home. Even some plans with providers in the area where the dependent lives will not allow the dependent to access those providers. Since all family members must enroll in the same type
Spouse has other coverage
An employee who must decide whether to take coverage from his/her employer or from a spouse’s employer often bases his/her decision on the types of coverage available and the costs of the alternative plans. For example: If one employer offers managed care plans and the
A Family with Young Children
For families with young children, the most common expenses are pediatric visits and immunizations. These visits are typically frequent, so it may be more cost effective to choose a managed care program with a low copayment for office visits — as long as the provider
Young Single Employee
Young people often do not have established physician relationships, so for you the restricted provider list of a managed care plan may not be a concern. If you’re healthy, you may be better off choosing the lowest cost plan available — as long as you can afford
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