3 Things Every Working Mom Needs to Know About Health Insurance
this guide is for anyone planning to start a family in the near future, to parents who are expecting a child, or to parents of young children.
Contributed By: Cassi Benavides · Insurance & Benefits Education for Parents
The Core Challenge
The insurance system in the U.S. is extremely complicated and expensive. There’s nowhere to learn about our system and people are left to figure it out on their own. Studies show that mothers often carry the majority of the healthcare responsibilities in the household, which has huge health and financial implications for the family, yet they often don’t know where to turn to become informed on the topic.
Key INsight
Because of how expensive insurance is, it’s often one of the biggest financial decisions parents make each year. Traditionally, the only place people could go for information was HR, but today HR departments are overworked and doing their best just to keep up with compliance – plus they legally cannot give individualized advice.
Practical Strategies
Every time you have Open Enrollment or the opportunity to choose health insurance, you have to do the math and compare. Don’t make selections only based on the cost from your paycheck.
Talk with other moms and ask what lessons they have learned about taking care of family healthcare needs.
Ask your partner to be part of the healthcare decisions, appointment scheduling, doctor research, etc. because this should not be a responsibility that only sits on the mother’s shoulders.
A Small First Step
Look up the closest in-network urgent care and ER to your home, and ensure it’s one that you trust, and save the information everywhere necessary. Urgent cares are frequently visited by parents with small children. Know where you can go ahead of time, instead of scrambling in the middle of an emergency.
Cassi Benavides specializes in insurance, benefit, and leave education for parents, giving you the exact information you need to know during the unique life phase of building and raising a family. I’m bringing my 10+ years of corporate HR experience directly to your family.
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