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Below
is a list of family medical insurance topics that will be covered on
this page.
Family
medical insurance
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Family medical insurance
What
happens if you or your family member leaves the job? You will lose your
employer-supported group coverage and may opt for family medical insurance.
It may be possible to keep the same family policy, but you will
have to pay for it yourself. This will certainly cost you more than
group coverage for the same, or less, protection. A Federal law makes
it possible for most people to continue their group health coverage
for a period of time after they leave their employer. Called COBRA (for
the Consolidated Omnibus Budget Reconciliation Act of 1985), the law
requires that if you work for a business of 20 or more employees and
leave your job or are laid off, you can continue to get health insurance
coverage for at least 18 months. You will be charged a higher premium
than when you were working.
Family medical insurance
information
The differences
among fee-for-service plans, family medical insurance, HMOs, and PPOs
are not as clear cut as they once were. Fee for service plans have adopted
some activities used by HMOs and PPOs to control the use of medical
services. And family medical insurance, HMOs and PPOs are offering
more freedom to choose doctors, the way fee-for-service plans do. By
studying your family medical insurance options carefully, you will
be able to pick the one that provides you with the coverage you need,
no matter what it is called.
Family medical insurance
Most Americans
get family medical insurance through their jobs or are covered because
a family member has insurance at work. This is called group insurance.
Group insurance is generally the least expensive kind. In many cases,
the employer pays part or all of the cost.
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