Health Benefits Advisor

Other Coverage

You may be able to buy health coverage for yourself and your family other than through your job or your spouse's job, Medicaid, Medicare or CHIP (Children's Health Insurance Program). Coverage may be available from an insurance company or an HMO (health maintenance organization) or through your membership in a student, professional or other type of association (such as the AARP).

How to Choose Among Health Coverage Options

In choosing among the options available to you, you should review the SPD (Summary Plan Description) for each available group health plan to determine which plan best meets your needs. You should also review and compare the information on any other coverage for which you are eligible. In making your decision, you may want to consider such things as:

1. Any waiting period (or affiliation period) imposed under the plans;
2. Types of benefits offered (Is dependent coverage available? Do the benefits cover your family's medical needs?);
3. Cost of coverage (premiums, co-payments and deductibles for prescription drugs and doctor visits);
4. Limitations on coverage; and
5. Any exclusions from coverage (treatments, procedures, conditions, or prescription drugs).

To find out about other kinds of health coverage that may be available, return to the beginning of the marriage section and select another option.

• Return to the Marriage Page
• Return to the Life and Work Events Page
• Return to the Employees and Their Families Page
• Return to the Information For Uninsured Persons Page
• Go to Department of Labor elaws Home Page