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SpinDistribute.com Article Directory

The following article was published in our article directory on April 30, 2012.
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How to Save Hundreds of Dollars on Your Health Insurance

Article Category: Finances

Author Name: Neil Primack

Health insurance is one of the most important investments you can make but hard economic times might make you believe that health coverage is beyond the reach of your resources. If you need to buy this type of insurance but are worried that you cannot afford it, here are some money saving tips that can help make it easier to fit into your budget. One thing to keep in mind about many of these tips is that while it may seem that you are spending more upfront, the savings you earn will more than offset these costs.

Opt for a higher deductible. This is one of the most frequent money saving tips mentioned when buying insurance, but which many people are wary of following because of the size of the deductible. Keep in mind, however, that you will only have to pay this deductible if you actually have to avail of health services, which many healthy people don t need to do. So, if you save $150 per month from lower premiums, in one year you would have $1,800, which you can put aside to help pay for the deductible. If you don t use it, then the $1,800 represents your savings, which you can use to pay your premiums for the next year.

Consider adding a separate cancer or critical illness policy as a supplement to your regular health insurance. These policies pay you either a lump sum or a certain amount per month if you are diagnosed with a serious disease, and pays for things which ordinary health plans may not cover, such as experimental treatments and clinical trials; home health care costs or spousal income replacement if a working spouse has to give up their job and stay home and income replacement of the primary insured person as well as the deductibles of your regular health policy. And the premiums are relatively affordable.

Buy a policy with a prescription drugs deductible feature. Opting for a deductible on your prescription medication helps you greatly save on monthly premiums, which you can put towards the purchase of much-cheaper generic or non-branded drugs.

Don t opt for the co-pay feature. While you may pay less for a doctor s visit with a co-pay, you will also have to pay extra to be entitled to this feature, which eliminates the savings. So, unless you plan to make a lot of doctor s visits in the coming year, you might save more by eliminating the co-pay option and paying for consultations in full.

Comparison shop for the most affordable policy. This may seem obvious but many people fail to do this. One of the best ways you can find the best health insurance is to work with an independent insurance broker. These brokers will help you evaluate quotes from multiple providers and consult with you to find the one that best meets your needs. In addition, once you ve chosen the right policy, they can also make it easy for you to sign up online or using a variety of other methods, such as phone enrollment and even signing up using a paper application form.

Keywords: Health Insurance, Medicare Supplemental Insurance, Medigap Insurance, Group Health Insurance

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