Getting family health insurance through your union

Family Health Insurance

The benefits of belonging to a union are obvious. Unions ensure that you get a fair rate of pay, work appropriate hours and ensure your personal safety as their employee. Yet, one of the greatest benefits of working for a union is that every employee has access to excellent health insurance. Your union will offer phenomenal insurance at a group health insurance rate. Because unions tend to be large, they frequently get fantastic rates on individual and family health insurance and often have the best insurance plans available. If your union offers more than one insurance option, speak with other members of your union so that you can make informed decisions regarding your union and insurance coverage.

Speak with your union representative about all of the group health insurance options available to you. You may want family health insurance or you may only require individual health insurance. In either case, research your group health insurance plan the same way you would if you were buying it on your own. You may find that you pay more than others do in order to have your unions group health insurance, but the coverage is usually better and you are also assured of certain protections for you and your family through the union.

Whether you choose individual or family health insurance, you may find that your premium does not change. Unions frequently charge the same rate for individual and family health insurance. So, if your spouse is paying for separate individual or family health insurance coverage , you may save money by switching everyone in your family to your unions group health insurance plan. The quality of family health insurance offered by your union tends to be much higher than other insurance plans. Although it may seem more expensive than comparable plans, family health insurance offered through your union often has added benefits and provides for greater coverage. Unions also tend to offer greater benefits than you would get by going through an insurance agent or purchasing insurance on your own.

Some unions require that you purchase their group health insurance in order to belong to the union. You may feel that this is unfair but you must realize that a point of a union is to ensure that all employees are treated equally. To ensure equal treatment, they provide equal benefits and prevailing wages across the board.

Whether you select individual or family health insurance through your union, you can rest assured that you are getting quality health coverage. You will notice that the quality of doctors, treatments and medication is generally higher than those offered with other plans. It is also valuable to note, that if you have any issues with your insurance coverage, your union representative will always be there to assist you. Your union representative will not only answer any questions you have, but they will also represent your interests in regards to the insurance company.