Shopping for a family health insurance plan is difficult, but not impossible.

It may come down to just knowing what questions to ask to get all the information you need to make a good decision. Here are some good questions to ask your insurance agent when shopping for coverage for your family.

First, make sure you ask your family health insurance company about the costs of all procedures, prescriptions, and copays, in addition to your monthly premium. You may have a lower premium, but if you are paying out the nose every time you have to take your kids to the doctor, it may not be worth it. Compare the premiums of different plans but make sure you are also comparing the costs of prescriptions and copays and the other things that add up in the event you have to make a claim.

Second, find out whether the insurance plans available also cover vision and dental needs. Some will provide these as part of a package deal and others will not. If this is important to you, or if you like the convenience of being able to pay your health, dental, and vision coverage in one lump payment each month, you will want to see if there are any packages that include all these services or if you will have to pay for each type of coverage separately. Continue reading Family Health Insurance | Good Shopping Habits →