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Knowing Your Options For Single Parent Health Insurance.

Are you a single parent looking for health insurance? You no longer have to worry about being deprived of that privilege. You can now get cheap individual health insurance rates and have what married couples enjoy when it comes to health plans. Yes you have all the options for single parent health insurance. All you need to do is look at each of these options intently and see what suits your budget best.

The first option you have is health and disability coverage from your employers. Well, obviously you have to be employed to get that type of cover. But the problem with this single parent health insurance option is it offers short term coverage. Some can only last up to two years the most. You may get a long term option but you have to wait for three months to get the actual plan. In order to know more about what your employers offer for you as a single person, you can check through your HR department.

The second option for single parent health insurance is to get individual health insurance rates through online venues. There are a wide variety of options. For one, you can directly seek the help of insurance companies that have websites. In another, you can use online sites that give you access to get free quotes from various insurance companies. It is best to go for the second one as this will give you time to compare one plan from that of the other. At least, you are given time to decide as to which option to consider. These ones are also non-obligatory. You can get as much quotes as you want without even paying a single penny for the deal.

You can also choose from HMOs or PPOs, otherwise known as managed plans. These ones have their own pros and cons. HMOs are wider in coverage but there are some limitations. You may not be allowed to avail of the cover unless you choose from a doctor or hospital listed in their network. For PPOs however, you may be given the option to choose your doctor. But make sure you check on that. Generally, these managed type of insurance policies won’t give you a choice as to the doctors you will go to. It is best to check on individual health insurance rates under these plans.

You still have other options for single parent health insurance. The rule of thumb here is to seek for individual health insurance rates and see which is most affordable to you. Come to think of it, you still have other expenses to bear in mind if you are a single parent. Compared to married couples, you don’t have a partner to turn to for help just in case the need arises.

It is therefore important to get the right single parent health insurance plan. Although some individual health insurance rates are offered at cheaper costs, make sure that you’re getting your money’s worth. Remember that the insurance should cover not only for your needs but those of your kids as well. Don’t close the deal unless you understand all the clauses included in the policy.

About Author
Looking for single parent health insurance can be very taxing. This is why you need this site to get an idea on individual health insurance rates.

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