Save Money on Health Insurance – Creative Tips
Health Insurance: Less is More!
You may not think that two health insurance policies can be better and cheaper than one, but give me a chance to explain. Sometimes 2 policies can be cheaper than one, and they can also provide very comprehensive coverage.
High Deductible Health Insurance
Of course, the first policy to consider is a major medical health insurance policy. However, if you live in the US, you know that health insurance is expensive, and rates are expected to increase every year. One way to control costs, and to control the rate of increase, is by purchasing a higher deductible health plan. Many health insurance companies will offer extended price guarantees for health insurance plans with deductibles of five or ten thousand dollars. Sometimes these plans even come with prescription plans and doctor copays that kick in before the deductible is paid.
A $5k to $10k yearly deductible may seem very high. But consider saving hundreds every month on your premium bills. People who get rated up, because of a health condition, may save even more. For some people, a higher deductible health insurance plan may be the only affordable option.
Supplemental Health and Accident Insurance
You can find very affordable health and accident insurance policies. A $5k to $10k cash payment could slide right in there to help with expenses that your major medical will not cover. The cash can help pay your costs, pay for things that your regular health policy does not cover, and even provide cash for other expenses like transportation and living expenses.
You may find a package of sickness and accident protection, or you may need 2 different policies. You may also be able to buy this coverage from the same insurer who provides your basic health plan.
Look for more help from a qualified agent.
There is no doubt that medical plans cost a lot of money. But a qualified professional should be able to listen to your needs and work with your budget. If you can find a person who can shop the market of all of the companies who work in your local area, it will help you.
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