Family Health Insurance: All Your Questions Answered

family health insurance

Family health insurance can be a great way to cover your family’s healthcare needs, but it can also be complicated and confusing. Here, we are going to answer some of the most common questions about family health insurance so you can make an informed decision about what type of coverage is right for your family. 

So, let’s get started! 

What Does Health Insurance Cover?

Health insurance covers the cost of medical care, which includes hospital stays, doctor visits, and diagnostic tests. It also covers prescription drugs and other medical supplies, such as eyeglasses and contact lenses.

When you purchase health insurance, you are signing up for a policy that allows you to visit any doctor or hospital in your network. You will be covered by the same health plan whether you choose to see an emergency room physician or a family doctor. If you need surgery, your insurer will pay for it as long as your doctor is within the network—and if not, they will pay for out-of-network care only if there’s no in-network provider available to perform the surgery. Let’s review the options for individual and family health plans now. 

What Insurance Plan is Best For Family?

The best insurance plan for your family depends on your unique situation. You should consider the age of your children, where you live, and how much coverage you want to have. It is always a good idea to do a little research before you choose an insurance provider.

There are many different types of family health insurance plans available today: some offer more coverage than others and some have higher premiums than others. The key is finding one that fits both your budget and needs.

If you are looking for affordable health insurance for your family, look into high-deductible health plans (HDHPs). HDHPs have lower monthly premiums but come with higher deductibles (the amount you have to pay out-of-pocket before your insurance kicks in).

How Much is Health Insurance Per Month?

With family health insurance, you can get health coverage for everyone in your family and pay just one premium. This makes it much easier to budget for your health care expenses. But how much are health insurance plans per month?

The cost of family health insurance varies depending on the type of plan that you choose. You might pay less than $200 per month or as much as $600 per month, depending on factors like whether you have a spouse and how many children you have.

If your employer offers a flexible spending account (FSA) as part of its employee benefits package, then some or all your premiums may be covered by this account.

What is the Difference Between Single and Family Coverage?

When you are shopping for family health insurance, it is important to understand the differences between single and family coverage.

Here’s what you need to know: 

Single Coverage

If you are looking for an individual health insurance plan, this is the route to take. It means that one person in your household has coverage through their employer, but no other members of the family do. You can get an individual policy if you don’t have access to employer-provided health benefits, or if you are self-employed and don’t have an employer who offers health insurance plans. 

Family Coverage 

If you want all your immediate family members covered by a single policy—whether they have access to employer-provided health benefits or not—you will want to choose family coverage. You can also use family coverage if only some of your immediate family members are covered under an existing plan (like if one of your kids has access through an employer) and want all of them on one plan.

Choosing the Right Plan 

It’s important to determine what type of health coverage you’re looking for: individual or family health plans. If you’re looking to get family health insurance, you want a plan that is going to be right for your family. There are a lot of options out there, and it can be hard to know what’s best. Here are some of the options to consider when choosing a plan:


An HMO (Health Maintenance Organization) is a type of insurance plan that requires you to receive all your care from a network of doctors and hospitals. If you choose an HMO, you will have a primary care doctor who can refer you to specialists, but you typically won’t be able to see them directly unless it’s an emergency.

The upside of choosing an HMO is that they tend to have lower premiums than other types of plans because they don’t pay as much out-of-network care. But if you want to see a specialist, or if you need to go outside the network for some reason, then it can be inconvenient and expensive. 


PPO plans are the most common type of health insurance. They are also known as “preferred provider organizations,” because they generally offer lower premiums in exchange for higher out-of-pocket costs. With PPOs, you pay a smaller percentage of your costs when you see an in-network doctor or specialist, but if you choose to go to someone who is not in your network, you will be responsible for the full cost. 

PPOs are typically considered best for families who have access to a wide range of providers and don’t mind paying more when they need care outside the network. If that sounds like you, then consider a PPO plan. 


POS stands for point of service. It is a type of health insurance that allows you to see any doctor or specialist in your network without having to get prior authorization from your insurer. This can be a great way to save money if you are seeing specialists who are not normally covered by your plan (like dermatologists), but it does come with some drawbacks. 

For example, if your doctor isn’t in your network, they will have to file an exception with the insurer before they can see you—and this could take time and cost extra money. 


An EPO, or exclusive provider organization, is another type of health insurance plan. It means that your insurance company contracts with certain providers to offer you care. You can go to any provider in the network, but you will pay more if you go out of network. If you choose a plan like this for your family, it’s important to find out how big the network is and whether there are enough providers in the area where you live.

What is the Affordable Care Act?

The Affordable Care Act, or ACA, is a set of federal laws that were passed in 2010. The Affordable Care Act, ACA was designed to improve access to health care for all Americans, reduce costs, and make it easier for people to get insurance coverage. 

In general, if you buy insurance through your employer or if you buy your own health insurance, then the ACA probably does not affect you. It only affects those who don’t get their insurance through work or who buy it on their own. 

The Affordable Care Act requires everyone who can afford health insurance to either have a plan or pay a tax penalty. It also requires insurance companies to cover people with pre-existing conditions and provide free preventive care such as vaccines, cancer screenings and more.

Questions to Ask Before Buying Family Health Insurance

With your family’s health in mind, it is important to make sure you have the right health insurance coverage. 

Here is a list of questions to ask before buying health insurance so that you can make sure you and your loved ones are covered:

How Often Do You or Your Family Need Medical Care?

If you or your family members don’t need medical care on a regular basis, then the cost of family health insurance may outweigh the benefits. If you do need frequent medical attention, however, then it is more likely that health insurance will save you money in the long run by offering more coverage at lower rates than individual plans would provide.

Do You Have Any Planned Surgeries?

If you have a scheduled surgery that you know about, you should ask your insurance provider if they cover the procedure. If not, you might want to consider looking into a plan that does.

You can also ask what they will cover if your surgery is an emergency and there is no time to get insurance beforehand. For example, if you have an accident and need an ambulance ride or other medical treatment after hours, will they cover it? Take dental insurance plans into consideration as well.

Do You Have a Doctor You Regularly See?

If you are looking for family health insurance, it is important to know who your doctors are. Having a primary care physician or specialist that you regularly see can make getting health insurance much easier. That way, you can plan on using them for any medical services you may need while covered by your new policy. 

If you don’t have a doctor in mind yet, make sure to ask your current provider if they take patients with specific insurance plans before selecting one.

What Prescriptions Do You or Your Family Need? How Often Do You Need Them?

If you or any of your family members have any chronic conditions that require regular medication, find out if your insurer covers those medications. Prescription coverage makes a huge difference on your finances, especially if the covered drugs are an ongoing necessity. Also, try to find out how much each medication costs and whether or not your insurance plan will cover them.

Next, think about how often you need to take these medications. If you only need to refill a prescription every six months or so, then maybe an annual plan would work best for you because it is less expensive than monthly plans. However, if your medication requires daily doses and does not last very long—like insulin—then a monthly plan might be better suited for your needs because it is more cost effective over time than annual plans are. Learn more about the best health plan for you at our free Webinar online or take the courses offered to learn on your own time. 

Some Benefits to Consider 

Finding the best family health insurance coverage can be a challenge. Fortunately, there are plenty of resources available to help you make the most out of your plan for you and your loved ones. 

Here are some benefits to consider when choosing your family health insurance:

Websites and Mobile Apps 

As a family health insurance policyholder, you can access your policy information on any device, including your phone or tablet. You can do so by logging in through the app or website and using your username and password. This means that you can check your coverage status, manage claims and payments, renew your plan, and more—all from the comfort of your living room couch. 

24/7 Customer Service Teams

You will have access to a team of experts who will help you navigate your insurance coverage. You can reach out to them by phone or through the online chat feature. Agents are trained in all aspects of family insurance plans and will be happy to answer any questions you have about your coverage and how it works. Learn more about the best health plan for you at our free Webinar online. 

Health Information Phone Line

You can call a toll-free number at any time to get information about your plan, find out if your doctor or hospital is in the network, and learn what you need to do before you go to the doctor.

Discount Programs 

Discount programs are offered by most health insurance providers. These programs can be found online or in person, and they allow you to get discounts on certain health care services, such as vision care or prescription drugs. You can also use these programs to save money on dental services or medications that are not covered by your primary insurance plan.

In Conclusion

Family health insurance is one of the most important types of coverage you can buy. You never know when you or one of your loved ones might need medical care, and the costs can be overwhelming if you are not prepared. With a good insurance plan, though, you can rest easy knowing that you have protection against unexpected medical bills.

If you’re looking for more information on family health insurance, access the FREE web class and/or check out the courses offered!