The document discusses strategies for saving money on health insurance premiums. It recommends switching to a plan with a higher deductible of $5,000-$10,000 which can save over 50% on monthly premiums. The savings allows purchasing additional supplemental plans that cover deductibles for accidents, critical illnesses, and hospital stays. This strategy eliminates paying the deductible while still lowering overall health insurance costs significantly.

1. kl One Big Premium Chopped Into 4 Smaller Premiums To Save You Up To 71% Off www.How2SaveOnHealthInsurance.com

2. kl The information I’m about to give you… is going to make your current Broker or Agent Very Angry With “ME” WHY? The same strategy I use to help save you thousands (Millions if you’re a Small Business Owner) Will actually lower your Agent’s commissions by up to 50% www.How2SaveOnHealthInsurance.com

3. kl So! If you are wondering why you haven’t been told about the strategies I’m about to show you…. “ It’s Because Of The Money” www.How2SaveOnHealthInsurance.com

4. kl Did You Know? From Age 22 – Age 65 If you pay for your own health insurance…..You’ll pay almost a “Half Million Dollars” just for health insurance. Folks, that’s more than what most people will pay for a Mortgage!!! www.How2SaveOnHealthInsurance.com

5. kl There is absolutely no reason to be loyal to any Health Insurance Company! If you’ve been with the same company & plan for more than two years…..odds are you can get a better rate with a different company as long as you qualify health wise! www.How2SaveOnHealthInsurance.com

6. kl Each Health Insurance Company has it’s own niche market which can change every year. BCBS might have the best rates this year if you’re a male age 21-25 in good health. WellPath might have the best rates this year for persons with High Blood Pressure. Aetna has the best rates for Smokers. Cigna might have the best rates for persons with weight concerns. United Health Care might have the best rates for persons with high cholesterol. www.How2SaveOnHealthInsurance.com

7. kl If company “A” has the best premiums for persons with weight concerns and a lot of people with weight concerns take advantage of their low premiums….. And the the following year that particular company experiences high claims losses due to persons with weight concerns, guess what’s going to happen with those low premiums? www.How2SaveOnHealthInsurance.com

8. kl With Health Insurance Companies changing their rating guidelines every year You should take advantage of the price wars between Health Insurance companies by attempting to change your health plan every one – two years as long you can qualify! Make Health Insurance Companies compete for your business! www.How2SaveOnHealthInsurance.com

9. kl Use Deductible Terminators to help eliminate your deductible & coinsurance. Switch your plan to a 5,000 – 10,000 Deductible. I know that most people don’t have $5,000 plus, to spend if admitted to the hospital for a day or more. This is where my 2 – 3 supplemental policies come into play! My “Deductible Terminators” www.How2SaveOnHealthInsurance.com

10. kl The average person will be admitted to the hospital for a day or more, once every 15 years. The number one reason why you would be admitted to the hospital for a day or more, would be due to an “ Accident” www.How2SaveOnHealthInsurance.com

11. kl The 2 nd group of reasons as to why someone would be admitted to the hospital for a day or more is due to: Heart Attack, Stroke, Cancer, Kidney Failure or Major Organ transplant. www.How2SaveOnHealthInsurance.com

12. kl Example: A Family of 3 has a $500 Deductible @ $834.29 per month. By switching from a 500 deductible to a 5,000 deductible in this example: This family will save $574 per month. www.How2SaveOnHealthInsurance.com

13. kl With such a huge savings, it allows you the opportunity to purchase 2 – 3 specialty plans. Ie. A $15,000 Accident Plan for the family ($46.06) An $80,000 Critical Illness Plan for the family ($76.28) $15,000 Max Benefit Hospital Indemnity Plan. ($50.52) Total Premium of just $57.62 per person. www.How2SaveOnHealthInsurance.com

14. kl With such a huge savings, it allows them the opportunity to purchase 2 – 3 specialty plans. Ie. A $15,000 Accident Plan for the family ($46.06) An $80,000 Critical Illness Plan for the family ($76.28) $15,000 Max Benefit Hospital Indemnity Plan. ($50.52) Total Premium of just $172.86 or $57.62 per person. www.How2SaveOnHealthInsurance.com

15. kl With such a huge savings, it allows them the opportunity to purchase 2 – 3 specialty plans. Ie. A $15,000 Accident Plan for the family ($46.06) An $80,000 Critical Illness Plan for the family ($76.28) $15,000 Max Benefit Hospital Indemnity Plan. ($50.52) Total Premium of just $172.86 or $57.62 per person. www.How2SaveOnHealthInsurance.com

16. kl With such a huge savings, it allows them the opportunity to purchase 2 – 3 specialty plans. Ie. A $15,000 Accident Plan for the family ($46.06) An $80,000 Critical Illness Plan for the family ($76.28) $15,000 Max Benefit Hospital Indemnity Plan. ($50.52) Total Premium of just $172.86 or $57.62 per person. www.How2SaveOnHealthInsurance.com

17. kl With such a huge savings, it allows them the opportunity to purchase 2 – 3 specialty plans. Ie. A $15,000 Accident Plan for the family ($46.06) An $80,000 Critical Illness Plan for the family ($76.28) $15,000 Max Benefit Hospital Indemnity Plan. ($50.52) Total Premium of just $172.86 or $57.62 per person. www.How2SaveOnHealthInsurance.com

18. kl With such a huge savings, it allows them the opportunity to purchase 2 – 3 specialty plans. Ie. A $15,000 Accident Plan for the family ($46.06) An $80,000 Critical Illness Plan for the family ($76.28) $15,000 Max Benefit Hospital Indemnity Plan. ($50.52) Total Premium of just $172.86 or $57.62 per person. www.How2SaveOnHealthInsurance.com

19. kl With such a huge savings, it allows them the opportunity to purchase 2 – 3 specialty plans. Ie. A $15,000 Accident Plan for the family ($46.06) An $80,000 Critical Illness Plan for the family ($76.28) $15,000 Max Benefit Hospital Indemnity Plan. ($50.52) Total Premium of just $172.86 or $57.62 per person. www.How2SaveOnHealthInsurance.com

20. kl Recap: We get rid of the 500 deductible in favor of a 5,000 deductible, lowering your premium by $574.12 /month We then add 3 supplemental plans that cost an average of $56.62 per person. (These Supplemental plans will wipe out your Deductible & Coinsurance) Old Premium was $834.29 per month/ New premium is $433.03 per month. Monthly savings, over 50% www.How2SaveOnHealthInsurance.com

21. kl The supplemental plans will pay your deductible for you if you have a Heart Attack, Stroke, Cancer, Kidney Failure, Major Organ Transplant, ALS or an Accident! www.How2SaveOnHealthInsurance.com

22. kl Do you really want to pay the health insurance company $228,260.21 extra over 15 years…..just so that you only have to pay a deductible of 500. By the way, $247,239.81 is the average amount of money a family of 3 will “OVER PAY FOR THEIR HEALTH INSURANCE” over a 15 year period! $2,729,998.39 is the average amount of money a small business owner with 15 employees will “ OVER PAY FOR THEIR HEALTH INSURANCE” www.How2SaveOnHealthInsurance.com

23. kl Mel Gambrell 800-584-4976 Office 919-928-5112 Fax 919-519-2721 Cell [email_address] www.LegacyForMyChildren.com www.How2SaveOnHealthInsurance.com