Being a single parent can be stressful and difficult. As if you don’t have enough on your plate trying to be everything and do everything for your kids alone, and trying to take care of yourself, you also have to consider your family’s medical insurance coverage.
Just because you don’t have the benefit of a partner to help you raise your kids doesn’t mean that your family doesn’t deserve the best medical coverage possible in Dallas. Here are some tips to help you get that coverage and ease your mind:
Look for “plus” medical insurance coverage. Instead of going for a family plan, which typically covers two adults and the kids, look for plans that are you plus the kids. Your employer may offer a plan called “employee plus children” in addition to the family option. You may save money this way, and you aren’t paying for something that you don’t need.
If you don’t have this option at work, or you are self-employed, talk to an insurance broker in the Dallas area about a plan that covers you plus your children. This is a simple and easy option for single parents to ensure that their families have the best medical insurance coverage possible.
Check your coverage options. If you are a single parent, you probably aren’t planning to have any more kids in the near future, so consider a plan that doesn’t include prenatal and maternity coverage. You’ll save money because you aren’t paying for coverage you don’t need.
Find out which insurance plans offer only the services you need, like well-child checkups, physicals, vaccines, and inexpensive sick child visits. Ask your insurance broker about the plans that offer deductibles, co-pays, and premiums that fit your single parent budget.
Make medical insurance coverage a must-have. When you do your budget each month, put your Dallas family medical insurance coverage at the top of your list, right after housing and food. You and your family can’t afford to be sick, especially when you are a single parent.
If you get sick, you’ll miss work and miss out on the chance to earn money to support your family. If your child gets sick, you’re the only option for taking care of that child—there is no other parent to share the burden with.
Because of this, you really can’t afford not have the best medical insurance possible. You’ll be able to get to the doctor quicker and get better faster. The faster you get well, the sooner you’ll be back at work, supporting your family.
Settle healthcare issues in the divorce proceedings. If your single-parent status is due to a pending divorce in Dallas, make sure you work out all the healthcare issues before the divorce is finalized. Remember that your kids are your number one priority, and if that means that your ex keeps them on his/her insurance policy, then that’s what you need to do. Work it out now, and you’ll all be happier later.