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You have employer provided health insurance but want to put your child on another health insurance plan. Do not want to buy family coverage through employer insurance provider. Can you do that?
Wiki User
∙ 14y ago
Sure. You are not "required" (at least not yet) to cover either yourself OR your dependents on your employer's plan at work. In fact, you can often get a more cost effective plan (i.e., cheaper or more "appropriate" for your actual needs) by going with an individual health plan for your dependents (especially if you only have 1 or 2 kids to cover). Individual health plans, unlike most group/employer plans, are usually less costly because they don't have to insure everyone who applies for coverage. Therefore, under the right circumstances and assuming they don't have any "significant" health conditions, you should be able to save money.
Here's a few tips:
1- Stay with "brand name" insurance companies, like Blue Cross, Aetna, Humana, etc. There are a lot of plans around that look good & cost less, but remember - you get what you pay for. You don't want to be "stuck holding the bag" because you tried to save a little money.
2- Consider a plan with a higher deductible ($2,500 - $5,000); you'll really lower the monthly cost (which is a "fixed" expense you have to pay) but still get the 2 benefits you'll use the most: doctor and drug copays (for example, $35/doctor visit and $15/generic Rx).
3- Find a local broker to help you. Go to http://nahu.org/consumers/findagent.cfm ; this is the professional association for agent who, like me, specialize in health insurance.
4- If you like, run some quote online yourself at sites like http://www.acforrest.com or http://www.norvax.com. This will give you an idea about what's available at what cost.
Hope this helps a bit!
Wiki User
∙ 14y ago
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