6 Ways To Save Over 30% On Affordable Health Care Insurance
Why is it that most of us don't think twice when we're spending hundreds or even thousands of dollars on luxuries and "toys." But, when the issue of "insurance" and protecting our families and ourselves comes up - we back off?
Unfortunately every day many new families in the U.S. are caught off-guard with a major medical problem that they cannot afford and are not covered by insurance for. It can cost you everything you have and also lead to getting bad care in the hospital.
Here are 6 tips to help you save up to 30% and to make sure you get the most fitting plan:
Local Plans
Choose the right insurance plan by browsing and doing some research on your State's insurance website as insurance plans and prices vary widely by state. A good site will list companies available in your area, prices for both individual and family plans, and any lower-cost options your state offers if you meet certain income requirements.
Write out your priorities
If you have a favorite doctor, make sure to choose an insurance company that covers their service. Start to narrow things down by your needs, whether that means low premiums, customer service or the doctor you're already seeing.
Use an insurance broker
Brokers tend to have a bad name, but they don't typically cost you anything - they only charge the company! Many are also known to save you money because they can help you find the right fit directly for you.
Take a "free look"
This is a great way to test drive an insurance program first for a short period with a full money back guarantee if you have problems with it. Just know that terms and conditions do apply - read them!
Health Savings Account
If you are seeing the doctor just twice a year then HSA is a great option. It goes hand-in-hand with an insurance policy that has a high deductible but low premiums. The money you save on premiums each month can be deposited into the HSA pre-tax, where it grows tax-deferred. You then use it to pay for any unexpected medical expenses. Once you turn 65, you can withdraw any money you didn't use and spend it on anything you want, including funding your retirement.
"Break A Deal"
We will end up paying more from services that aren't covered to doctor and hospital co-pays to costs for prescriptions. Keep your costs low by shopping around and asking for generics whenever available. Don't be afraid to negotiate with your doctor if you're paying out of pocket. You might get a discount.
Just realize that even in America, no matter what some people say - it is still very possible to get affordable health care insurance programs - on the internet, just apply!
