Choosing a Health Insurance Plan for Newly Married Couples

Health insurance plan for newly married couples

The excitement and nervousness of getting married is a feeling that can never be forgotten. Stepping into a new phase of life can be a bit overwhelming because of the uncertainty involved. But this time, you have your life partner, and you both are in this together. This new phase of life as a married couple is full of firsts. Be it the house, car, or vacations. Everyone wants you to have the time of your life and be happy and feel secure while doing so. One of the many firsts will be to get a health insurance plan for both of you to ensure safety and security in medical expenses. Here is a brief introduction to the health insurance plan and what you should keep in mind when choosing one;

When to Get the Quote?

The very first question is, when can you get a good health insurance policy quote? There are two options for it. The first is to enroll during the fall or winter months when the enrollment period is going on. Companies start offering their plans, and you can get the most suitable one for both. The second option is to apply by requesting for the special enrollment period. Getting married is a significant life event, and hence it qualifies for the special enrollment period. So, you can change your health plan in 60 days after getting married or get a completely new one after getting the marriage license. To add, be mindful of the deadlines so that you do not miss out on other options.  

What to Consider?

While looking for different plans and options for health insurance, keep a few things in mind. These include checking your partner's medical history, how much you have spent previously, how frequently you both visit doctors, what type of medications are used by both of you, and the family planning aspect. This will help you understand what kind of coverage you need and which plan is better for you. You can also keep separate programs for each other or the same one for both, but that depends on your needs. If one of you has some disease or frequently visits the doctors, you should be mindful of that factor. One benefit of having the same plan is that you may meet the deductibles faster, which means you get to spend less on the given year's expenses.  

How to Find One?

Do your homework. It is crucial that before you get any reliable health insurance quote, you should research the market rates and the reviews about the respective company. Look for various options before deciding on one. Ensure that you read the terms and conditions correctly so as not to get fooled or confused later. Ask for reviews and feedback from people who have gotten one. Also, do not hesitate to ask questions or get clarifications regarding various confusions you have. Make sure you are communicating correctly with your agent. This will help you go through the process smoothly.

The rates of health insurance policy keep increasing. Please get one as soon as possible. Not just the rate, but it is essential for the safety and security of the family. We all know how medical bills can significantly affect savings, especially in major surgery or treatment. Get a plan by applying through a special enrollment period request and make the most out of it. The earlier you get it done, the better it is. Here is to another first and a better future together.