How to Save Up to 70% on Health Insurance Premiums
How to Save Up to 70% on Health Insurance Premiums
By Ryan Orrell
Are you tired of paying too much for health insurance premiums? Only 5 or 6 years ago health insurance seemed very affordable with
fantastic coverage to match.
|
|
Well, if you’re an individual or family who pays for health insurance today chances are you’re literally
getting punched in the pocket book, and it hurts. |
most people can afford the "Perfect" plan with all the bells and whistles.
Do you need a doctors office co pay?
Most people don’t realize this will save you up to 30% with some companies by cutting this benefit out of your health insurance
plan. Doctors continually raise their fees for visits and most of the time the consumer will go much faster to the doctor if he or
she has a $10 co pay as opposed to paying the $50 the doctor may charge.
Insurance companies pay millions for these fees and trust
me, after the first 12 months of your plan being in effect you’re the one who will be paying by a huge increase in your premium. I’ve
seen insurance plans go up 79% after the first twelve months. Totally ridiculous. The consumers cannot afford this.
Another huge problem which I’ll go more in depth in another article is prescription drug cards. I really can’t see where the consumer
wins here either. Don’t get me wrong, if you’re on an employer sponsored group health insurance plan your probably getting a good deal
but I can assure you that your company is paying out the nose for the coverage you’ve come to love.
I talk to people weekly who literally
work for their health insurance coverage. If you can do without a prescription drug plan I would. It can generally save you 20 to 40%
off your premium by not having this benefit.
Consumers usually pay 500 to 700 dollars a year for this benefit alone while the average family who can qualify for individual or
family medical plans don’t spend near this amount of money. And, once again when you finally use your card the insurance company will
generally offset the cost at your renewal date by raising your health insurance premium.
Cut out these things and go with a deductible
of $1,000 or higher and you will definitely save yourself money both in the short and long term. Most of us can pay for the occasional
doctor visit and prescription rather than giving our money up front to the Insurance Company.
Just a little food for thought.
category1:
Health Products & Services
category6: Business Opportunities
category8: Career Development
bio: Ryan Orrell has been a specialist in
the field of health insurance since 1996 counseling hundreds of individuals and families on policies which may be right for them. Ryan
is president of http://www.quotemonster.com, an online shopping service designed to help individuals and families find affordable health
insurance plans. This article is also posted on the Web at http://www.quotemonster.com/health-insurance-article-1.html
Author's Bio
Ryan Orrell has been a specialist in the field of health insurance since 1996 counseling hundreds of individuals
and families on policies which may be right for them. Ryan is president of http://www.quotemonster.com, an online shopping service
designed to help individuals and families find affordable health insurance plans. This article is also posted on the Web at http://www.quotemonster.com/health-insurance-article-1.html
|
More About Healthy Living |
|
| Natural Ways To Lower Cholesterol With Foods This article will point out 6 ways that this can be achieved that are simple and easy to do. Popular Colon Detoxing Herbs There are many ways for the human body to accumulate a whole assortment of toxins even if a person lives a fairly healthy lifestyle. |