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Today many working mom's are finding that cutting the hours and going to part time work benefits their family in many ways. It works for mom's, they get to manage the family and keep their career feet wet. Companies have not made fulltime work for mom's easy, so if it can be afforded part time makes a fair option.
You may decide to ease into this change is best. Start by paying off some debt. Taking time to look for a good part time job that benefits the family. The worse thing to do is to act hasty and make bad decisions that negatively effect the family.
One very important thing to think about is that you will lose many benefits. Benefits that are valuable to you. Such as health insurance. However, there are other options besides employer sponsored health insurance.
Option 1 - How about your spouses employer. You will have to add this to the new budget and it can be expensive. If you have a pre-existing condition however, this is the best option for you. Private insurance will likely exclude that condition.
Option 2 - The next choice would be individual health insurance provided by a carrier. If you search you can find many great plans. Rates can be pretty good. An agent or broker is a good source for finding these plans.
Option 3 - If you are only worried about the big stuff and you do not need all the bells and whistles you could opt for a low cost catastrophic plan. They are easy to find and will save you from a financial crisis, if something major comes along.
Option 4 - If you are finding it hard to sort through and make a decision you can purchase short term healthinsurance. This kind of plan will cover you from 1-12 months at a time allowing you more time and no lapse of coverage.
So if you find yourself scaling down your career find health insurance that is most suitable for your family. Do not risk your finances by going without coverage. Decide how much you can afford and then find the best option.
You may decide to ease into this change is best. Start by paying off some debt. Taking time to look for a good part time job that benefits the family. The worse thing to do is to act hasty and make bad decisions that negatively effect the family.
One very important thing to think about is that you will lose many benefits. Benefits that are valuable to you. Such as health insurance. However, there are other options besides employer sponsored health insurance.
Option 1 - How about your spouses employer. You will have to add this to the new budget and it can be expensive. If you have a pre-existing condition however, this is the best option for you. Private insurance will likely exclude that condition.
Option 2 - The next choice would be individual health insurance provided by a carrier. If you search you can find many great plans. Rates can be pretty good. An agent or broker is a good source for finding these plans.
Option 3 - If you are only worried about the big stuff and you do not need all the bells and whistles you could opt for a low cost catastrophic plan. They are easy to find and will save you from a financial crisis, if something major comes along.
Option 4 - If you are finding it hard to sort through and make a decision you can purchase short term healthinsurance. This kind of plan will cover you from 1-12 months at a time allowing you more time and no lapse of coverage.
So if you find yourself scaling down your career find health insurance that is most suitable for your family. Do not risk your finances by going without coverage. Decide how much you can afford and then find the best option.
About the Author:
If you are a considering a temporary insurance plans then call agent Jeff Cline. Jeff is here to assist you in every way possible. He can also assist you secure individual health insurance. call him now at 866.526.9669. He can be reached 24 hours a day, 7 days a week.
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