Health How To Find Affordable Health Insurance
There are some things that you may be able to do in order to bring those premium payments down, however, you'll need to decide in the end if these would be in your best interest or not.
The first thing that you could do is to cut down on your coverage. This means getting the least expensive policy available and raising your deductible higher. This will mean that you'll likely be paying for all of your doctor visits out of your own pocket, but you should be covered for any unexpected accidents or any long term hospitalization costs, minus your deductible. This might be a feasible option if you think about it. Example, if your current deductible is $250.00 and your premium payments are costing you $300.00 per month then you can probably reduce your monthly costs by half or more by raising your deductible up to $2,500 or even $5,000. I know, I know. Nobody wants to pay that much out of pocket, however, let's look at another example.
The average person only visits the doctor twice a year, once for a check-up and once for illness. If you figure the cost of those two visits combined to be in the range of $3-400.00, depending on what has to be taken care of, then you could potentially save a lot by raising your deductible. Look at the numbers. If you were able to cut your premium in half by raising your deductible then you're saving $150.00 per month or $1,800 per year. If you only payed $400.00 out of pocket then you've saved yourself $1,400 over the course of twelve months and you'll still be covered for emergency care. The key to making this work is to put money in savings until you've saved a few hundred dollars and then leave it there specifically for doctor visits alone. This is only one option for you to consider when you get ready to purchase an individual health insurance plan. Joe Stewart Is A Former Health Insurance Agent. He's Made Understanding Health Insurance Easy For Others. You Can Learn More About Health Insurance And Get Free Health Insurance Quotes For Individual And Family At His Website TheHealthInsuranceGuys.org or by clicking on Affordable Health Insurance Quotes
Related Tags: premium, cost, health insurance, medical, hospital, benefits, patient, plan, coverage, plans, ppo, premiums, deductible, deductibles, hmo, health main
Your Article Search Directory : Find in Articles
Recent articles in this category:
- Dental Insurance For Individual Can Be Of Help At Time
Dental problem may cost one a lot of money and pain. But, practicing a reasonable care could decreas - Personal Trainer For Perfect Health
There is a general misconception that need for a fitness trainer comes for novice or from those who - Varicose Veins - Causes, Symptoms, Treatment
The majority of people after thirty notice the changes that appear with the maturing. In this case t - Scenar Therapy - Self-treatment Or Healing Partnership
Do you want to learn about a device which will help you to ease your pain? If you get this kind of a - Scenar - 5 "no, Nos" Of Scenar
Are you fed up with the pain in your body? Various parts of our body seem to ache due to different r - Scenar Device - 5 Tips On Travelling With Your Scenar (skenar) Device
You might be aware of scenar which has become quite popular these days. This is actually the acronym - Scenar Therapy - How To Treat Your Pet With Scenar
There are many alternative methods of treatment that are being invented these days. Lots of people a - Your Options For The Treatment For Appendicitis
Appendicitis is considered to be a surgical illness. Due to its severe character, the treatment for - How To Choose The Right Copd Medication
Chronic obstructive pulmonary disease or COPD does not have any cure. But with the help of medicines - Septic Arthritis: Infectious Agents Penetrate Joints' Spaces
Another major type of arthritis is septic arthritis, which is also known in various terms like: pyog
Most viewed articles in this category:
- Drugs - the Last Alternative for Adhd in Kids
Anyone over the age of thirty who has grown up with ADHD understands that there was not much help av - Foods To Eat To Gain Weight
Malnutrition has the same degree of problem as obesity. There are people who are too skinny, they fi - Understanding Postpartum Clothing
The same way most pregnant women dream of the day when they will begin showing for wearing maternity - Kegel Exercising for Bladder Control and Enhanced Sexual Pleasure
Kegel exercises strengthen the muscles of the pelvic floor, thereby improving the urethra and/or rec - The Use Of Weight Loss Herbs
Nothing has garnered more attention in today's world than the success or failures of weight loss pro - A Simple Acid Relux Cure
Many people today are afflicted with heartburn. If they eat food that is too spicy, they get heartbu - Five Effective Household Back Pain Treatments
Back pain treatment comes in lots of forms, from exercise to pain mediction. Standard and most wides - Herbal Remedies - Can They Cure What Ails You?
You've probably heard about herbal remedies before and how they can treat a variety of health proble - Natural Relief for Tinnitus - What are your Choices
Natural Relief For Tinnitus - Alternative Options Did you know that there are an estimated 50 t - Birthing Around the World
Since ancestral times, different cultures showed off different customs and beliefs around the miracl