Creative Way to Save Money on Health Insurance
Health Insurance: Less is More!
This may be hard to understand, but sometimes you need to buy two health insurance policies to save money and get better coverage. Many agents are helping their customers buy more coverage for less money with this solution.
High Deductible Health Insurance
Consider major medical health insurance. We all know it is expensive, but a higher deductible plan can be a lot more affordable. It can also be easier to be accepted for one. And I have seen top insurers who even offer longer rate guarantees on them, and some come bundled with prescription coverage and doctor’s office copay features.
Now, a five or ten thousand dollar deductible may seem steep, but consider saving a few hundred dollars a month in premium. Also consider the fact that many insurance companies will not underwrite, or evaluate risk, as strictly on a higher deductible policy. If you, or somebody in your family or small business has a health condition, a higher deductible health plan may be your best option!
Accident and Health Insurance Supplements
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.
Get Help from an Experienced 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.
Do you have no health insurance? Look for the best individual health insurance with our safe, fast, and free forms.
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Tags: Affordable health insurance, family, finance, health, health insurance, health plans, insurance, major medical, medical insurance, medical plans, self employed
