Secrets
and Tips On How To Obtain Affordable Health Insurance
|  Add
Up Your Doctor's Visits
Try and calculate the number of doctor's visits
expected for your family for the year. The average doctor’s
visit only costs about $80. If you multiply that times the
visits for your family, you may find that having that benefit
on your health insurance policy is not that cost effective.
|
 Go
To School Part-Time
Most universities and community colleges offer affordable
health insurance to their students. Often, part-time students
can be eligible for health insurance even if they are only
taking one credit per semester. To take advantage of this,
many adults will take a one-credit course every semester.
Usually, these are fun classes such as pottery, photography,
swimming, etc. Sounds expensive? Actually, no. The cost for
a one-credit course can come out to about $40 bucks a month. |
 Get
Religious
Many large religious organizations have access to affordable
healthcare at group rates. Members may not realize it, but
they may qualify for discounted health insurance premiums.
Check with your preacher, pastor, and/or the people in charge
to find out if your church or temple offers this. |
|  Make
Healthy Choices
You've heard this before, but the best way to get
affordable health insurance is to be healthy. People who
smoke cigarettes, drink alcohol, use drugs and/or are overweight,
are the most common high-risk candidates. This, in turn,
will make your health insurance premiums very high.
|
 Serve
Your Country
Some of the best health insurance benefits come as
perks for working for the city, county, state or federal governments.
If you really want good coverage, consider becoming a garbage
man, a police officer, a postal worker, etc. Even the Armed
Forces offer great medical benefits. |
 Choose
PPO
A common misconception is that HMOs are cheaper than PPOs,
but this is usually not the case. If you're looking for affordable
health insurance at the lowest possible price and you don't
mind a higher deductible, then a PPO will be cheaper. If you
want the best benefits possible, with little or no deductible,
then you might consider an HMO. Remember, though, an HMO is
less flexible, and there are restrictions on which doctors
you can use. |
|  Get
As Many Quotes As Possible
There are tons of web sites that will give you
free health insurance quotes. Even better, many of these
websites can offer a list that will compare and contrast
different insurance companies. This is a great way to analyze
the cost for different plans all at once, in order to get
a better idea of some of your options.
|
 Go
Generic
When looking to fill a prescription, find and buy
generic drugs. Prescription costs are rising daily, and there
are secrets to cutting these costs with very little to do.
Fortunately, today most medications do have a generic form.
Even better, many health insurance plans have a zero deductible
and low co-payment for generic drugs. |
 Work
For The Bigger Company
Bigger companies may pay smaller wages, but they generally
offer very good and affordable health insurance plans. For
this reason, many people will often get part-time jobs with
big companies such as Wal-Mart, Target, and big-chain grocery
and clothing stores. |
|
Consider
an HSA Plan
Drop
The Maternity Coverage
Move
To Canda
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In The Network
Research
Local Government Programs
Find
A Broker
Stay
In-The-Know
Get
COBRA Insurance
Ask
Questions, and Get It In Writing
