Archive for August, 2009
Getting Married
TweetCongratulations! 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
TweetWhether 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
TweetAdoption 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
TweetDuring 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
TweetIf 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
TweetMany 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
TweetAn 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
TweetFor 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
TweetYoung 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
Determining Your Insurance Needs
TweetOnly you can determine what will be the best for yourself and your family. The following highlights will get you started on the decision making process. How do you determing what type of coverage is best? Think about your lifestyle. Who are you? Single, married,
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