There’s a lot to think about when you are about to start a family – the nursery, the clothing, and all the pre-labor prep for the expecting mother. In the midst of the excitement, it can be easy to lose sight of one of the most important things to be considered: health insurance. Don’t let the expenses catch you off guard. Start planning for the financial aspects of one of the most important stages of life.
Health Insurance for Soon-To-Be Parents
Understanding health insurance is one big step in the direction of taking better care of your family’s future, especially when your family is just about to start.
Colorado Health Insurance Plans
Choosing a health insurance plan will depend on your family’s needs. If you’re looking for health insurance plans in Colorado, these are the plans available for you:
Health Insurance Maintenance (HMO)
This is a specific type of health care plan which is characterized by lower costs than traditional health insurance plans. There is a tradeoff. An HMO plan sets guidelines under which doctors can operate, so there are limitations on the range of treatments available.
Preferred Provider Organization (PPO)
This type of health insurance plan generally costs a little more than an HMO plan. The good news is that it offers greater flexibility when choosing doctors and seeing specialists.
Health Savings Accounts (HSA)
HSAs (Health Savings Accounts) are becoming increasingly popular in the health insurance industry. They involve a tax-advantaged medical savings account. Funds contributed to the account are not subject to federal income tax.
Learn About Health Insurance and Prepare to Grow Your Family Stress-Free
Don’t let your growing family be vulnerable to the risks of not having health insurance. There’s nothing more important than your family’s health. AAI Central Agency strives to provide you and your loved ones with a high-quality and cost-effective health insurance policy. Get a health insurance quote and take the first step toward protecting your family’s future.