Search:

Home | Finances


Little Known Ways to Having Affordable Health Insurance

By: Dean Calvert

With the economy in a tailspin, many people are looking for ways to cut costs. Finding affordable health insurance is definitely one area most consumers are lo0king at. We have listed some secrets to affordable health insurance below that could help you cut your medical premium costs.

* Today most insurance quotes you find online will pull up multiple companies with one inquiry. Laying these quotes out on a spreadsheet will let you compare benefits in an "apples to apples" situation so to speak.

Custom building your health insurance plan is something you should always look at. One suit does not fit all. Adding a critical illness rider in your plan will allow you to have higher deductibles and of course lower premiums. The reason for having to meet a high deductible is a critical illness over 70% of the time.

* Add up the doctor visits the entire family has in the course of the year. The average physician visit is $80 an if you multiply that times the visits for the family you may find by having that benefit on your health insurance policy it is not cost effective. Many plans today include wellness benefits anyway included in the coverage.

* Always make sure your doctor and hospitals you would prefer are in the network of coverage. The in network billing costs will be less than the costs of visits otherwise. This one may seem obvious,but many people find out after they take coverage that the hospital or medical doctor you use are not in the network.

* Medication is definitely an area that needs to be looked at. Prescription costs are rising daily, and there are secrets to cutting these costs with a little effort. Most medication today does have a generic form,and many health insurance plans have a zero deductible and low co-payment for generic drugs. Another key point is try to find out if you can order your "maintenance drugs"(the ones that you have been on for some time and the dosage has not changed) in 90 day supplies as this will cut a lot of cost for you.

* Finally, if you want one of the lowest cost health insurance premiums and have tax savings at the same time consider an HSA (health savings account). This plan is very straightforward as you meet the designated deductible whether it is from inpatient or out patient treatment,or medication and once met the policy will cover 100% up to the designated amount. Usually at least 2 million dollars for the life of the policy. The premiums are put into a tax savings account and you have a nice write off for the year. This may fit you but you will want to ask your accountant or advisor.

With healthcare premiums rising using these affordable health insurance secrets will help you cut costs without jeperdizing your benefits. As we said before, one size does not fit all in health insurance but if you only apply one of these secrets you can be closer to fitting your needs and budget.

Article Source: http://www.newagelivingarticles.com

Affordable Health Insurance Health Insurance Dean Calvert email:support@insurefreequote.com

Please Rate this Article

 

Not yet Rated

Click the XML Icon Above to Receive Finances Articles Via RSS!
Additional Articles From - Home | Finances

 Free Traffic


banner











Sign Up for a free account or learn more.
Article Directory Software
Click here to download the exact software that powers this directory for FREE. Start your own article directory today!
Google
Top Authors
Submit Articles
Member Login
Most Popular Articles
Submission Guidelines
Ezine Notifications
Article RSS Feeds
Little Book Of Becoming
Masters of the Secret
The Singularity Is Near
Distribute Your Articles to 1000's!
Wildwind Enterprises
Bookstore
About Us
Link to Us
Contact Us
Privacy Policy
Terms of Service
Links
All Links Directory All Links Directory is 100% SEO friendly Directory and Human Edited.

Accurate Online Psychic Readings Lilly provides a unique personal empowerment, spiritual approach to intuitive readings, as well as a vast array of other resources for the spiritual seeker. Access your Spiritual Guidance and turn negative karma into spiritual gold!

Psychic Sights An extensive portal of Psychic links, Metaphysical and New Age links and resources focused on quality.

Earth Spirits.org

Gaiam.com, Inc
Spiritual Cinema Circle
Visit the metaphysical directory for a complete list of metaphysics related websites.
Royalty Free Images
NewAgeLivingArticles.com » Copyright © 2007 WildWind Enterprises
Terms of Service | Submission Guidelines | Contact Us | Link to Us| Privacy Policy | About Us | Article Submissions With A Click 100's of Sites!

Powered by Article Dashboard