Tips to lower your health insurance costs

Tips to Lower Your Health Insurance Costs Health care costs are a huge concern for Americans and also the biggest strain on a person’s budget. Americans should not be without health insurance, whether you are single or have a family. Health insurance can be expensive but nowhere near as costly as medical care without it. The simplest way to get a quote is www.SaveOnMyInsurance.com ,[object Object],Higher deductibles lower your premium. Health savings accounts or (HSA) can also offer options for more affordable premiums. If however you are older, have some health issues, or don't have a lot of extra cash laying around the additional cost on the premiums might be a small price to pay to not have to worry about having the necessary cash when you have a medical problem or worse a medical emergency. ,[object Object],Possibly you or your spouse may have group health insurance through your work place. If so, one of you could opt out and save the cost of those premiums. That said; before you do that, make sure that you will have adequate coverage before dropping one. Policies are different and cover different things. Examine both policies carefully. This is especially important in regards to potential “insurability” factors that could happen and prevent you from having an individual major medical plan of your own if you are on a group employer plan. ,[object Object],Know what your health insurance policy covers before something happens and the need arises to see a doctor or go to the hospital. A key point to know is if you need to use a doctor or hospital within a specific network of if there are other restrictions which usually causes more out of pocket expense if you are out of network for anything other than an emergency. Lifestyle Healthy living can cut your premium significantly. Staying fit, drinking in moderation, and not smoking can all pile up into $aving$. ,[object Object],Indemnity health insurance is much more flexible with fewer restrictions and caters to people who have been declined for pre-existing health conditions. Usually the time frame is lifted after 12 months to cover these issues while traditional health insurance may not cover them at all or for an indefinite period of time. It's still a better option than having no coverage at all. Generic Prescription Drugs If your doctor prescribes a prescription for you, ask if there is a generic drug available. You can save a great deal that way. Not every drug has a generic form, but many do so you should take advantage of the savings. I tell my clients to take advantage of the $4 dollar generic lists instead of always using the prescription card to save even more. Each pharmacy is different so double check. Yes you are allowed to pay cash instead of your insurance card! Prepare To Compare It's a good idea to always get at least three quotes so that you can properly compare both polices and pricing to find the lowest health insurance costs. We have all the major health insurance carriers ensuring not to break your budget. Find lower health insurance costs at www.SaveOnMyInsurance.com today. Easy, quick and affordable. You can contact me at Angela@InsProsofAmerica.com or 941-792-5511.

Tips to lower your health insurance costs

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Tips to lower your health insurance costs