| HOW TO SAVE MONEY ON HEALTH INSURANCE |
Shopping around for health insurance can be a confusing business. You need to keep
your wits about you and keep track of the benefits and costs of each policy and each
type of policy. Too often we tend to look at the price first and the rest of the policy
becomes a blur of fine print. And we're off to check the next policy.
Slow down. There some important things you should do before you start chasing
around to get a policy. Doing these few things will make the whole process simpler
and clearer - and you're much more likely to make a good decision.
You need to carefully consider your situation. Think about these questions and note
your answers:
What's the general state of your health?
How old are you?
Do you have any serious medical problems currently or in your medical history?
Do you have any history of recurring or on-going medical needs?
Do you use tobacco? How much?
Do you drink? How much?
Are you over- or under-weight for your height, body-type and age?
Is your job hazardous?
Do you participate in any activities or sports that could affect your health?
Now this may be unpleasant but if there's any chance an insurance company could
discover a history of drug or alcohol abuse or sexual behavior that might put you in a
high risk group, you may want to be direct and upfront about it - especially if it's in the
past. Having a claim denied later because you had failed to disclose medical
information to the insurance company would be far more upsetting - and very
expensive. The same goes for any significant medical condition. Insurance companies
are in it to make a profit - at least most of them are. Paying large claims isn't their
favorite activity, so they often do investigate.
If you're seeking a family policy you'll need to make the same analysis for everyone
and consider carefully what kind of coverage you want.
Do you need dental, orthodontic, pregnancy, mental health, and/or drug coverage? Do
you need long-term care coverage, either inpatient or in a nursing facility? Assisted
living coverage? What about traveler's or international coverage?
If there's a possibility that you may require - or want - in-home care as opposed to a
residential nursing or assisted living facility, be sure that coverage is included and be
sure you understand exactly what you can expect to receive.
Think about deductibles and what you could afford pay to reduce your insurance costs.
But be very careful here, because medical expenses tend to pile up quickly and reach
nearly insane levels for complex treatments or inpatient stays. Many drugs in common
use are ridiculously over-priced and depending on the specifics of your insurance you
may not be able to use the least expensive sources.
If you will end up with multiple sources of coverage, be clear about how they fit together
and what the rules are about overlapping or combined benefits.
Once you are clear on your current situation, your (and other family member's) medical
history, and your projected needs, you can begin looking in a organized way with a
better sense of where you're going and what will actually meet your needs. This may
seem like a tedious process, but it will serve you well in finding appropriate and
affordable health insurance and making sure your health care needs can be met by the
medical insurance you choose.
Take some time to work through these questions. Write down your answers. Make a
chart with your desired coverages and any special conditions the policy must meet. As
you look at health insurance policies, note the rules, exclusions, information about
pre-existing conditions, any limitations, the dollar amounts covered and especially any
deductibles.
Don't try to do too much at once. If you hurry, it'll become confusing and tiring. You may
hate it (I know I do), but you really do need to read all that fine print and understand it.
That's not a task to rush through. You might as well face up to it, because it's a lot
better to do it BEFORE you need medical services than after you get a bill for the
uncovered portion that sends you into shock.
So is it an impossible job to find health insurance that works for you? Not at all. There's
a world of resources on the internet to help you find the policy you need. Just be sure to
do your homework first...and that's what the links on the left have been compiled to help
you do!
your wits about you and keep track of the benefits and costs of each policy and each
type of policy. Too often we tend to look at the price first and the rest of the policy
becomes a blur of fine print. And we're off to check the next policy.
Slow down. There some important things you should do before you start chasing
around to get a policy. Doing these few things will make the whole process simpler
and clearer - and you're much more likely to make a good decision.
You need to carefully consider your situation. Think about these questions and note
your answers:
What's the general state of your health?
How old are you?
Do you have any serious medical problems currently or in your medical history?
Do you have any history of recurring or on-going medical needs?
Do you use tobacco? How much?
Do you drink? How much?
Are you over- or under-weight for your height, body-type and age?
Is your job hazardous?
Do you participate in any activities or sports that could affect your health?
Now this may be unpleasant but if there's any chance an insurance company could
discover a history of drug or alcohol abuse or sexual behavior that might put you in a
high risk group, you may want to be direct and upfront about it - especially if it's in the
past. Having a claim denied later because you had failed to disclose medical
information to the insurance company would be far more upsetting - and very
expensive. The same goes for any significant medical condition. Insurance companies
are in it to make a profit - at least most of them are. Paying large claims isn't their
favorite activity, so they often do investigate.
If you're seeking a family policy you'll need to make the same analysis for everyone
and consider carefully what kind of coverage you want.
Do you need dental, orthodontic, pregnancy, mental health, and/or drug coverage? Do
you need long-term care coverage, either inpatient or in a nursing facility? Assisted
living coverage? What about traveler's or international coverage?
If there's a possibility that you may require - or want - in-home care as opposed to a
residential nursing or assisted living facility, be sure that coverage is included and be
sure you understand exactly what you can expect to receive.
Think about deductibles and what you could afford pay to reduce your insurance costs.
But be very careful here, because medical expenses tend to pile up quickly and reach
nearly insane levels for complex treatments or inpatient stays. Many drugs in common
use are ridiculously over-priced and depending on the specifics of your insurance you
may not be able to use the least expensive sources.
If you will end up with multiple sources of coverage, be clear about how they fit together
and what the rules are about overlapping or combined benefits.
Once you are clear on your current situation, your (and other family member's) medical
history, and your projected needs, you can begin looking in a organized way with a
better sense of where you're going and what will actually meet your needs. This may
seem like a tedious process, but it will serve you well in finding appropriate and
affordable health insurance and making sure your health care needs can be met by the
medical insurance you choose.
Take some time to work through these questions. Write down your answers. Make a
chart with your desired coverages and any special conditions the policy must meet. As
you look at health insurance policies, note the rules, exclusions, information about
pre-existing conditions, any limitations, the dollar amounts covered and especially any
deductibles.
Don't try to do too much at once. If you hurry, it'll become confusing and tiring. You may
hate it (I know I do), but you really do need to read all that fine print and understand it.
That's not a task to rush through. You might as well face up to it, because it's a lot
better to do it BEFORE you need medical services than after you get a bill for the
uncovered portion that sends you into shock.
So is it an impossible job to find health insurance that works for you? Not at all. There's
a world of resources on the internet to help you find the policy you need. Just be sure to
do your homework first...and that's what the links on the left have been compiled to help
you do!
You Could Save Hundreds per Month on Your Health Insurance...
Who Else Wants Multiple Health Insurance Companies Competing
Against Each Other to Offer You the Lowest Rate??
Who Else Wants Multiple Health Insurance Companies Competing
Against Each Other to Offer You the Lowest Rate??
Whether you are a business owner or an individual, you are almost
certainly paying too much for your health insurance. I personally use and
recommend E-Health Insurance, because they have been
able to secure for us the best and most affordable health plans from
leading insurance carriers including United Healthcare, Aetna, Blue Cross
Blue Shield and Humana.
Take the time to find out how much money you could save yourself by
receiving and comparing competitive quotes. Just click the below link to
have health insurance companies competing for your business!
certainly paying too much for your health insurance. I personally use and
recommend E-Health Insurance, because they have been
able to secure for us the best and most affordable health plans from
leading insurance carriers including United Healthcare, Aetna, Blue Cross
Blue Shield and Humana.
Take the time to find out how much money you could save yourself by
receiving and comparing competitive quotes. Just click the below link to
have health insurance companies competing for your business!
Rob Hunter
| This is a HUGE chance for you to save literally hundreds of dollars per month. Check out either the E-Health Insurance above, or the selected health insurance links on the right. Regularly bidding out your health insurance ensures that your provider is not taking advantage of you, and frees up money that I am sure you can find a use for! |
Additional Tips About Shopping around for Health Insurance
'But I've already got health insurance through my company!'
That's great! But...most employers require you to pay the premiums for
your spouse and children out of your own pocket...and on a group plan,
those premiums can be INCREDIBLY expensive! Why?
Because the group rate that the insurance company offers to your
employer is factored to cover the risk from ALL of the employees on the
plan...so you would be paying higher premiums because of medical
conditions or history of other people on the company health insurance!
Why don't you find out for yourself if you can get cheaper coverage for
your family SEPARATE from your company's plan?
your spouse and children out of your own pocket...and on a group plan,
those premiums can be INCREDIBLY expensive! Why?
Because the group rate that the insurance company offers to your
employer is factored to cover the risk from ALL of the employees on the
plan...so you would be paying higher premiums because of medical
conditions or history of other people on the company health insurance!
Why don't you find out for yourself if you can get cheaper coverage for
your family SEPARATE from your company's plan?
| E-Health Insurance: Fill out the application today for a no-obligation quote...have multiple health insurance carrier competing against each other for your business! |
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