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Health Insurance Savings - How To Go About It

Do you want to make savings in your health insurance? I'll give you tips that will ensure you get that without compromising your coverage. If you use them well, you'll get the best health insurance coverage for you at the best price possible.

1) Be Prepared. Know what you want. Ask your doctor what's best for you and why it's best for you. If you don't get this information from an expert you can trust, you'll be easily pushed around by recommended policies from every wannabe expert out there. Once you get this information, you are set. The cheapest policy is too expensive if it leaves you exposed. In the same vein, an oversize coverage (stuff you don't need) is equally expensive.

2) Understand your peculiar needs. Are you a lady who plans to have a baby soon? Do you have a health condition? It's a very wise decision to get coverage that takes care of your needs. That's what health insurance is all about in the first place.

3) Depending on your frequency to the hospital, you can request a higher deductible. The higher you make your deductible the lower your health insurance premium. However, bear in mind that your deductible has to be paid first before your insurance company is obligated by law to do anything. Therefore, make sure you ask for a deductible that you can handle with a level of ease.

4) Make sure you visit at least three health insurance quotes and comparison sites. Visiting this number reduces the odds that you'll pass by a potential great price/value. Please note that I didn't just say the lowest priced. The value you get for the price you pay is really what determines whether you paid too much or not.

By Chimezirim Chinecherem Odimba

32 comments:

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Gateway Insurance Solutions said...

Great Article. I found some really good basic information on healthcare at this website. There a number of printable pieces that explain the terminology. KNOWLEDGE IS POWER!!

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hi,

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Katherinevalley said...

I think that not-for-profit health insurance companies are the best way to go. In Australia HCF Private Health Insurance is a good choice because they do not pay their profits to shareholders. The profits are all returned to members who get to claim for more things. I think that HCF pay about 7-10% more back on health insurance claims than the other funds

gillberk said...

The Health Savings Account information provided here is taken from government sources, the company's research and the comments of HSA users and providers.Individuals, families, the self-employed and small business owners who are responsible for their own health insurance can get the coverage they need from The MEGA Life and Health Insurance.The rating refers only to the overall financial status of the company and is not a recommendation of the specific provisions, rates or practices of the company.
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low cost auto insurance said...

Well it may not be too long before the govt dictates health care. It won't be good but it may be coming.

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blueberry said...

Peculiar needs - I have a lot of that. Very nice blog you have!
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Julia said...

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SURAJIT said...

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cishemant said...

Compare health insurance and select perfect one can make you save a lot of money. Because if you don't get the right one it is wasting of money. These tips are really practical to choose perfect health insurance plan.

confined-space-rescue said...

First of all check the industrial services of you your life insuracance company . And read all the documents care fully before investing on life insurance.

mahakk01 said...

I think everyone uses health insurance plans and it will be beneficial if you can take advantage from them. This post includes some tips which are very useful in context to health insurance policies. Thanks for sharing your experience with us.
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cishemant said...

A good blog about saving your money on health insurance. Buying health insurance without any advice can be a wastage of time and money so go through health insurance quotes online while you buy health insurance.

confined-space-rescue said...

actually its very difficult to choose the health insurance company which provides best industrial services .

Tom said...

Thanks for sharing information....Thanks

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back pain during pregnancy said...

There are a number of health insurance coverage options that should fit your particular needs. A Wellness Servicing Company, or more generally known as HMO, is one well-known health insurance coverage option. HMOs are one of the most typical types of health insurance coverage offered by business employers. They allow you to check out a pre-selected medical center, physicians, or treatment centers, without limitation.

Ross Taylor said...

I think, for saving health insurance our need to 'Health Saving Account Plan' because they can give you coverage much like traditional health insurance, but it saves you money in three major areas. First, HSA plan premiums are on the low end and these plans avoid the big rate hikes seen in other plans. Second, you can deduct money you deposit in your HSA from your taxable income to reduce your tax bill. And, third, HSA money that you don’t need for health or dental care can grow with tax-free earnings to build up your savings for retirement. Global Market Research

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aliah said...

I think that..with the cost of health care and incidences of hospitalization..there is way to go with having Good Health Policy by your side..it is very useful..
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micheal clark said...

Great post and thanks for sharing! It's nice to find something really useful sometimes.
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This comment has been removed by the author.
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Laraib Malik said...

I think everyone uses health insurance plans and it will be beneficial if you can take advantage from them. This post includes some tips which are very useful in context to health insurance policies. Thanks for sharing your experience with us kids dentist las vegas

keerthi reethwika said...

Its really very good information about health. Every person has to take care of their health by following some health tips.
You can also follow Daily Health Tips for more tips., they are providing all types of tips for our health and beauty.

Mike Bav said...

Just curious how do you think a new health care plan will affect dental care?

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