Save Money on Health Insurance

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Author: MarAdded: November 2, 2006
Health Insurance Costs Too Much - Ouch!
You weren't having a bad day until your health insurance company sent you a notice that your premium would be raised in 30 days. Or maybe you're a small business owner,cheap monster beats by dr dre headphones earphones on sale, and you've just been informed that the premiums for your entire small business insurance group would increase by 20 to 40%. Now you are having a bad day!
Individuals have been forced to go without health insurance and companies may have to slash benefits or consider laying off employees. Rising health care costs are tied to increasing insurance premiums. The situation is bad, and it continues to get worse. Even large companies are cutting benefits. Are their any solutions to this problem?
Do you want to cut your benefits to afford health insurance?
If you're considering cutting your benefits or increasing your insurance deductible, you may still be able to protect yourself. Accident and sickness indemnity insurance policies usually do not cost very much, and can protect your cash flow in an emergency. These types of policies are increasingly popular in both the worksite and individual markets. A couple of thousand dollars for a fracture, or five figues for a serious illness can help you pay deductibles, copays, and keep the lights on in a tight situation.
You might also consider removing more frivolous options like doctor copays. If the copay only covers the doctor visit, and not any associated lab work, it really doesn't save you much money. The doctor copay option usually increases your insurance premium by quite a bit, and creates a paperwork monster for the doctor. Trust me, they'd rather just get a check. Maybe you should buy insurance without a doctor copay that covers the essential parts of your health care.
Do you want to shop around for cheaper health insurance?
However, some people don't want to cut their benefits. Look at it like this. When you consider health insurance, you think about benefits and price. When insurance companies consider you, as a risk, they may also consider your health, age, and even your credit score. Different insurance companies look at those risks differently, and some even make different decisions based upon which policy you choose. But be careful. If you switch insurance, and they exclude some condition you may have, then you really haven't saved a lot of money.
I suggest comparing insurance online to get an idea of the price and benefits. Then maybe you should sit down with some local health insurance agents to discuss your options. They should understand your situation, and have an idea of which company and plan would be the best for your budget and health situation.

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