Title: Examine insurance costs for families.
Course: Child Development and Parenting (19255-18) > Section: Evaluating Employment and Economic Policies that Affect Families

Examination should include

- types of insurance (e.g., health, dental, vision, life, and disability) available to workers and dependents
- costs (e.g., premiums, copays, deductibles).

Process/Skill Questions:

Thinking

- What types of insurance are typically available to employees and their dependents?
- What costs can one expect to pay for insurance through one’s employer?
- How do those costs compare with insurance obtained independently?
- What copayments can one expect to pay for medical service and prescription drugs?
- What is a deductible?

Communication

- How is information about insurance options shared with employees?
- Why should employees carefully compare insurance options?
- What types of information must employees provide to obtain insurance for themselves and their dependents?

Leadership

- What criteria should one use to assess insurance options for a family?
- How can personal responsibility keep insurance costs from increasing for a company?

Management

- How can one develop a plan for meeting family insurance needs?
- What strategies can help reduce one’s insurance costs?
- What are the risks of not having insurance?