| On-line Life Insurance Quotes: |
 | Do you need life insurance for your divorce? Get your term life insurance rate quote today! That's right! Find out the lowest rate, and don't pay up to 80% more than you should! Use your computer to compare hundreds of companies through BudgetLife! Click Here for an On-line Insurance Quote |
Insurance & Divorce: Parenting: Insuring Your Child's Health:
Childhood sometimes seems to be an endless succession of coughs, colds, fevers, flus, etc.
It's unwise and unhealthy, not to mention potentially disastrous financially, to go without
proper medical coverage for your child. Here are a few things to keep in mind as your
consider your options.
Things you should know about Health Insurance
Your health insurance may not cover all pregnancy-related expenses.
If you and your spouse both work, you may be covered under two group health insurance
plans. You should check both to find out what portion of the hospital and physician's fees
they will cover for the birth of your child. Also, check to see if your health plans covers
routine monthly visits to the pediatrician. Knowing what's covered will help you budget for
medical expenses both for the hospital stay and the first year of the baby's life.
Choose the health coverage that fits your needs
If you have a choice of two or more different health plans, take the time to learn about the
benefits of each one and weigh your options carefully. A managed care plan like a PPO
(Preferred Provider Organization) or HMO (Health Maintenance Organization) makes more
sense for frequent trips to the doctor, since it typically covers the cost of routine check-ups.
However, PPOs and HMOs generally limit your choice of providers. By contrast, an
indemnity plan lets you choose your own physicians and hospital, but generally provides
more limited coverage for routine check-ups.
COBRA may provide coverage in certain situations
COBRA is the federal law that entitles you and your dependents to continued coverage
under your employer-sponsored group health insurance even after you leave the job or
your dependents otherwise become ineligible for coverage for another reason. For
example, if your child ceases to be eligible for coverage in the plan because he is over 19
years old and not a full-time student, then he is probably entitled to continued coverage
under COBRA.
Bear in mind when you exercise your COBRA rights, you must pay the full monthly
premium for continued coverage; it will no longer be subsidized by your employer. On the
other hand, because you're still insured under a group policy, you'll typically have broader
coverage at a lower cost than you could buy as an individual. You should check with your
employer for more specific information, because not all companies are required to provide
COBRA benefits.
| On-line Life Insurance Quotes: |
| | Do you need life insurance for your divorce? Get your term life insurance rate quote today! That's right! Find out the lowest rate, and don't pay up to 80% more than you should! Use your computer to compare hundreds of companies through BudgetLife! Click Here for an On-line Insurance Quote |
| On-line Dental Plan Quotes: |
 | A selection of 30 Nationwide and regional discount dental plans. With the most dentists in combined networks anywhere, several discount dental plans may be available in your area (find plans). You can use our unique search tools to compare the savings and features of each plan before deciding which is the best plan for you. Click Here for an On-line Dental Plan Quote |
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| Divorce Tip: #77 Buying children material things, like a new bike or swing set will not solve the problems at hand. Give them things they need like love and care! Sponsored by: Divorced Dad's Survival Book |
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