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Health insurance tips for new parents

Posted On Mon, December 3, 2012

When American consumers are considering starting a family, many focus on the potential costs but overlook one of the most important aspects to consider - health insurance.

According to Reuters, taking note of health insurance plans and switching to one that's more pregnancy- and baby-friendly may save consumers thousands of dollars in hospital costs.

For instance, switching to a higher-deductible policy from a lower monthly insurance rate may seem unaffordable now, but it will save thousands of dollars in hospital expenses that would have been incurred during the birth of the new baby.

If consumers elect to pay a higher-deductible plan, they should discuss payment methods with their employers, including the possibility of a paycheck deduction for a health savings account. Also, speaking with the human resources department may yield other ways to save on maternity and parenting costs that the consumer did not even think about.

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