Many school insurance plans provide comprehensive coverage to students and scholars, but oftentimes don’t allow spouses or children to be included — and, if they do, the cost can be 2 to 3 times the amount a student pays. This gap can leave dependents on their own to find their own health insurance plan, which can be hard to do when navigating a new healthcare system that is difficult to understand.
As a spouse or child in the US, it is important to have a health insurance plan that works well for the unique needs of that family.
When evaluating health insurance for a family, the needs can be quite different than what a student would need. Here are 5 questions to ask to help you think through the unique needs of a family to determine what type of plan is appropriate:
Based on the unique needs of each family, there are different types of insurance plans that are available: