Affordable 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.
You may think that a 5 - 10 thousand dollar yearly deductible will not work for you. But think about how you can save $100's of dollars every month on your bill. And if you have a health condition that has caused a rate-up, the savings can be considerable. You need to balance your budget vs the deductible.
Health/Accident Supplemental Health Insurance
Have you seen health policies that supplement major medical by providing cash payments for accidents or illnesses. They are usually pretty inexpensive, and they pay out in cash. This money can come in handy if you need to pay expenses that are not covered by your health insurance policy. The cash can also be used for other associated costs like living expenses, transportation, etc.
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.
Major medical insurance will be expensive for most people, but an experienced professional should listen to your needs, and then find a plan that you can afford. If you can find a professional who represents a variety of companies, you should be able to compare your options. - 23211
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.
You may think that a 5 - 10 thousand dollar yearly deductible will not work for you. But think about how you can save $100's of dollars every month on your bill. And if you have a health condition that has caused a rate-up, the savings can be considerable. You need to balance your budget vs the deductible.
Health/Accident Supplemental Health Insurance
Have you seen health policies that supplement major medical by providing cash payments for accidents or illnesses. They are usually pretty inexpensive, and they pay out in cash. This money can come in handy if you need to pay expenses that are not covered by your health insurance policy. The cash can also be used for other associated costs like living expenses, transportation, etc.
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.
Major medical insurance will be expensive for most people, but an experienced professional should listen to your needs, and then find a plan that you can afford. If you can find a professional who represents a variety of companies, you should be able to compare your options. - 23211
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posted by X - Men @ 2:27 AM
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