We are all too well aware that health care insurance costs are continuing to rise. Most of the new health care reform bill will not go into effect for many years, so don’t expect any relief from that bill in the near term. The new health care bill does a lot to ensure that health care coverage will be available to many more consumers, however it doesn’t address the cost side of the equation. Here is some advice about your health care insurance.
If you are lucky enough to have health care insurance provided by your employer you can expect premiums to continue to rise, deductibles and co-payments continue to rise; while some of your coverage options are reduced.
All this means is that it’s still largely up to you to make informed and smart decisions about your health care insurance. How do you save on health coverage? The truth is, it’s not that hard. Here some advice on how to save some money:
Only Get the Coverage You Need
print before signing. The truth is, you should get as high as deductible as you can safely afford. This is one of the best ways to lower your monthly premiums.
deductible. The higher the deductible, the less you will pay per month.
Use Third-Party Broker Sites
Cut Out Unhealthy Habits
How do you pick the best company? Once you’ve narrowed it down to the cheapest three companies after getting a quote, then read reviews. There are tons of consumer reviews online, so finding them is not hard. Also make sure the company is on solid ground financially. If they are not, they will not be able to pay your bills.
Once you’ve made your selection, then get the highest deductible possible. Also, be sure the policy does not include more coverage than you really need. Sometimes unnecessary coverage is included that raises the price, and most people do not catch it because they failed to read the small print.
Use this health insurance advice, and you could save a lot of money on your next policy.
Tags: deductibles, health care advice, insurance advice
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