Avanti Associates Ltd

 

Get A Quote About Contact Home Page
 
Lines of Business

Auto Home Business Boat Flood

Couple in front of HouseThe Affordable Care Act requires Americans to have health insurance coverage. Without coverage, you could face penalties and fines.

Everyone in your family has to have coverage, including your spouse and your kids. It is the law.

Most major health insurance companies offer family health insurance plans. But, deciding who should be on your health insurance plan can be tricky.

Putting your spouse on your family plan generally seems like a way to save money and better manage care. But, this isn't always the case.

You should add your spouse to your health care plan as soon as possible if your spouse does not have coverage. This will help you avoid fees or penalties associated with the Affordable Care Act.

If your spouse can have a plan that is different from yours, you should examine your options to see if combining plans or staying on separate plans is best for you. You can make your decision based on a variety of factors, but two of the most important are Services and Costs.

Services

Many plans have different levels of vision, dental, nursing home and prescription drug costs. 

Based on you and your spouse’s medical needs, one spouse's plan may offer better services than the other spouse’s. If spouses can choose between plans, it is usually right to choose the plan that will best cover each spouse's needs.

It is a good idea to see if your spouse will gain more benefits from staying on your plan or being on his or her own.

Costs

If it costs less to have two plans, then having separate plans will protect your health care and your wallet. 

But remember, if your spouse has medical needs that have better coverage on your own plan, the cost may become less of a factor in choosing a plan.

Also, because of some cost requirements within the Affordable Care Act, some spouses may have to buy separate plans.

You should compare deductibles, premiums, and even estimate your future medical costs to see which plan works best for your family.

Deciding when to put a spouse on your health insurance plan can be tricky, and Avanti Associates is here to help. Call us today at (914) 273-8511 for more information.
Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
View Our Latest Insurance News
more...
  What Our Customers Are Saying
more...
Quick Links
Site Links
Home
About Us
Get A Quote
Customer Service
Make a Payment
File a Claim
Refer a Friend
Contact Us
Auto Insurance
Home Insurance
Renters Insurance
Flood Insurance
Business Insurance
Boat Insurance
Flood Insurance
More Commercial Insurance
Avanti Associates, Ltd - Armonk
200 Business Park Dr, Suite 206 Armonk, NY 10504
Ph: 914.273.8511
Fx: 914.273.8050
Avanti Associates, Ltd - Pelham
201 Wolfs Ln Pelham, NY 10803
Ph: 914.738.1900
Fx: 914.738.1992
 
Powered by Insurance Website Builder
How Can We Help You?
or
CALL US TODAY
Get A Quote My Policy Location Facebook Twitter RSS Feed LinkedIn Google+