How To Save On Health Insurance

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5 Tricks to Save 30% On Your Health Insurance...

Health Insurance has become a national debate primarily because of rising health costs. I'm going to tell you a few secrets health insurance agents use to lower their clients monthly premiums.

These tips can help you save 10%, 20%, up to 30% or more on your health insurance.

#1 Get A New Health Savings Account (HSA) 

HSA's are sweeping the nation and quickly becoming the most popular individual health plan. The concept is simple; you pay for your health expenses at a discounted network rate until you reach your deductible. Your new HSA pays all your health expenses, including Doctor visits, after your deductible. How much money can you save?

Example:
Traditional family copay plan - $500
HSA health plan - $275
Savings - $2,700 (45%)

"You would have to visit your Doctor 60 Times A Year, on average, to justify a copay health plan."

#2 Count Your Doctor Visits 

There are new, less expensive health plans now available without the Doctor Copay. Your Doctor visits are still covered. You pay a discounted network rate instead of the old Copay. That rate is only $20 - $25 more per visit on average. In return, you'll slash your monthly health premiums by as much as 30% or more.

By counting Doctor visits, you find out it would take 60 Doctor Visits A Year to justify the more expensive Copay plan. How much money are you just throwing away?

#3 Don't Stay Too Long 

It's no secret... Insurance companies raise their rates. If your rates have gone up, get a new health plan. If you can get the same or better coverage and save money too, why wouldn't you get a new health plan?

#4 Know The Averages 

According to the American Affinity Association, almost 65% of all hospital visits are due to an accident. Consider getting low-cost accident coverage. Some plans pay as much as $5,000 per accident with a $100 deductible. Add this proven little-known benefit and you'll all but eliminate your deductible, up to $5,000, for most hospital visits.

#5 Compare The Top Carriers 

Carriers constantly offer lower rates to get new customers. Imagine paying your monthly health premium and having enough left over to save for a vacation, hire more help or just go have some fun. What will you do with your extra money?

Health Plan Poll 

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Helpful Links 

Health Insurance TX
Free Health Quotes for Texas residents.
Short Term Insurance
Get a free quote on short term insurance from Assurant Health.

Texas Medicare 

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Reader Feedback 

Lensmaster

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ReplyPosted April 24, 2009

Lensmaster

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by mcday

I'm a freelance copywriter who loves Grandma, NBA Basketball and 80's Music. (more)

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