If you bought a health insurance Florida cover for yourself, you are allowed to include members of your family in the cover. However, did you know how many you are allowed to include and how they affect your cover?
Typically, family size usually doesn’t necessarily dictate how much you spend on prescriptions and doctors. A health family could possibly spend less than a couple with serious health issues. But health insurance costs have a different approach.
People included in your plan
When you include your spouse or your child, the monthly premiums paid will increase. That is because charges are imposed on every single person included. When you’ve included more than 3 children under 21 years of age, you will pay only for the first 3 eldest. For instance, if you have children aged 24, 22, 20, 17 and 13 you will be charged for all your children because the first 2 are already over 21 years while three are remaining. Since payment of premiums is made for the first 3 kids below 21 years, the remaining three kids will have their premiums paid.
Family versus individual plans
Out-of-pocket maximums and deductibles for family plans are usually twice that of individual plans. Hence if deductibles for a family plan is $2,000, it will be $1,000 for the individual plan. If out-of-pocket limit for a family plan is $12,000, the individual plan will be $6,000. You can check out some of the offers from Blue Cross Florida to cover your family.
This is independent of how many people are included in the family cover, meaning that there is no limit to the number of people you can include in your health insurance cover. Are you interested in finding comprehensive health insurance plan for your family? Check out Insurance Medics, they have the best individual and family plans at affordable rates.
*Facebook post: What’s the limit on the number of loved ones you can include in your health insurance plan?