If you are in a long-term, committed relationship, then you know that life is significantly different from that of a single person. On the one hand, many of the responsibilities that would once fall to you alone can now be shared. Sharing is caring, and sharing is also likely to alleviate some significant pressure and stress, which makes the experience an even more positively charged one. On the other hand, when sharing anything, responsibilities included, it is important that you discuss the changes that come along with that sharing experience with your partner, just to make sure the two of you are on the same page about everything or, conversely, can communicate and reach a form of mutual agreement. Don’t think that things are any different with respect to issues such as couples health insurance, the decision on whether and when to bring a child into the world or traveling risks.
Seeing the Word Comes with a Set of Risks
One of the most amazing experiences a couple can share is that of traveling. However, especially in this economy, which has driven prices up significantly, causing traveling to become a luxury of sorts, it is important to decide which destinations are worth the expense and the implicit risk, and which are simply not worth it. Healthcare while traveling as a couple needs to take into account specific chronic conditions that either of you may be suffering from, as well as allergies, family health history and insurance plans to cover for all this, as well as events that are beyond your foresight and capacity for planning. No matter how much you love your partner and how far you are willing to go toward compromising for their sake and caring for them, endangering their health and compromising your vacation is simply not worth it.
Insurance: Together or Apart?
Insurance, like any other type of responsibility that two people take together before some form of authority is a matter that you and your partner need to discuss before committing to it. It is important to do this, since, essentially, you will be making a shared payment. Before doling out your cash to an insurance provider, figure out what you want your insurance policy to include. Are there any specific extra needs, which most providers won’t include on their basic plans? Do you require a specialized form of healthcare such as therapy? In this case, take your time in making a decision and shop around for the best providers on the market. Also, it is important to know that certain insurance providers can offer shared health insurance even prior to marriage, so you can benefit from reduced healthcare costs even while living together in a civil union.
Having Children Is Always a Topic for Conversation
Obviously, having a child dramatically alters a couple’s healthcare needs. There are suddenly three of you to care for, not to mention the very specific medical care issues that an expectant mother risks to face. As such, it is important to decide if the two of you want a baby and perhaps even plan for this important, life-altering change. It will be a joyride in many respects, but you want to be prepared for it, don’t you?
Christina Richards writes for and manages several blogs and websites with a focus on health, pregnancy issues and general healthcare, where you will find plenty the best rates on couples health insurance and other types of plans.