Health Insurance Articles
4 Tips For Buying Health Insurance Through A Union
2011-06-09
If you are a member of a union and are thinking about buying health insurance, you may want to consider buying union health insurance instead of your own individual coverage. There are many benefits to purchasing insurance through a union that you may not be entitled to receive with a personal insurance plan.
Depending on the policy coverage of your union and which union you may be a part of, you could see savings in several areas.
You could be entitled to a free prescription card. This card, separate from the prescription drug insurance program, still allows both union members and family such as spouses, children, parents and even aunts and uncles to be able to benefit as well. This card allows you to be covered for items that are not normally included in a regular plan such as stop smoking aids or impotency medications and more. Approximately 56,000 pharmacies across the country accept these cards and allow you to save an average of 15 percent off of name brand drugs and up to 40 percent off of generic drug prescriptions. For those who use mail order prescriptions, you can receive even more.
Vision Discount Programs can cost you only $15 a year through union health insurance and will give you up to a 40 percent savings on eye exams and eyeglasses, contact lenses or even UV protection and scratch resistant lenses. You will also have access to discounts on medical and diabetic supplies.
Dental Discount Programs costs $70 a year for your family and give you up to 50 percent off standard charges for things like annual dental visits, cleanings, fillings, X-rays, root canals, crowns, extractions, bridges and braces.
You may want to look into other discount programs that are offered through the coverage you will get with your union. You want to make sure you will have access to the widest coverage available. Ask if there are Physician and Hospital Discounts, Hospital Care Grants of any kind, Eldercare, or even Health Club Discounts. While something may look like a good deal, the last thing you need is to find out when you need it, that something you thought was covered really isn't.
As there are many different types of health insurance packages available, you will need to discuss with your union representative if possible regarding the union health insurance package that they offer to you. In this way, you will ensure that all of your questions and concerns are addressed before making that final decision on the best path to take when buying health insurance for you and your family. Make sure you understand everything you will be getting before signing on with your union policy.
