Family Health Insurance

Offering family health insurance to the nation from our Coral Springs, FL office

What is a family? The dictionary defines it as “two or more people who share goals and values, have long-term commitments to one another, and reside usually in the same dwelling place.” Who are the ideal candidates for family health insurance coverage? The primary insured, spouse and dependent children. Dependent children and full-time college students are the ones who are financially dependent.

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What is the difference between having family health insurance as opposed to individual coverage for each family member? With family coverage, the insurance carriers normally require only two family members to satisfy the calendar year deductible. For example, if there are five family members within the same policy, only two of them will need to satisfy the deductible. If you instead have each family member with their own separate policy, looking at the same example, all insured will have five separate deductibles for the calendar year.

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Our expert team in Coral Springs is capable of assisting with all aspects of discerning the most effective course of action, regardless of where you are in the country. Do not hesitate to ask us questions! One advantage of having a family health insurance policy is that the benefits within the policy, such as lifetime maximums, doctor visits, and so forth, are not shared; they apply individually for each insured within the policy. For more information about family health insurance options, please contact our office in Coral Springs, FL at 888-282-3650.