A Simple Approach to Health Insurance

By Shannon Gosney
In Health / Personal Living
April 10, 2013

I am a full-time, work-at-home mom.  I’ve worked full-time before, but it was with a company who offered 401K benefits, tax benefits, and health insurance.  Now as someone who owns her own business, I don’t have those same benefits, and the one that hurts the most is the lack of health insurance.

Couple of doctors at a hospital

If you work from home or work for yourself, do you have private health insurance?  When looking for health insurance, what are some of the things you look for?  I know when I was looking at insurance, I looked for a few specific things.  First, I wanted a PPO over an HMO.  I liked being able to choose the doctor or hospital that I wanted to go, rather than going to one main doctor to get a referral to the doctor or hospital I wanted.  Second, I wanted to know what the yearly deductible for the plan was.  How much did I have to pay out of pocket before medical expenses were covered. Third, I wanted to know how much the copay was going to be when we did have to visit the doctor or emergency room.  Fourth, I wanted to know if prescriptions were covered and how much my copay would be.  Fifth and finally, I wanted to know what other services were included with our insurance.  Be sure to visit http://www.gmfhealth.com.au for more information.

What do you look for when it comes to private health insurance?

This is a sponsored post from our friends at GMF.  All opinions expressed in this post are 100% mine.

About Has 4152 Posts

Shannon Gurnee is the author of RedheadMom formerly "The Mommy-Files", a national blog with a loyal following. She has a Bachelor's Degree in Marriage, Family, and Human Development with a Minor in Business Management. Shannon and her husband, Frank, have a large family with 6 awesome kids and love living on the Central Coast near San Luis Obispo, California, as well as traveling around the world. A full-time Social Media and Professional Blogger, Shannon also serves as a National Brand Ambassador for many well-known companies. Her blog focuses on motherhood, family fun activities, traveling, fashion, beauty, technology, wedding ideas and recipes while providing professional opinions on products, performances, restaurants, and a variety of businesses.

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