Affordable Health
Insurance
Affordable health insurance -
it seems, especially today, those words just don't belong together
in the same sentence. Health insurance monthly premiums have become
the biggest single expense in our lives - surpassing even mortgage
payments. In fact, if you have any permanent health problems, such
as heart disease or diabetes, or have had cancer at one time in
your family history, your monthly cost could easily be more than
the house and car payment combined.
Shopping for affordable health insurance can certainly be an eye-opener.
If you have always had a health insurance benefit where you work
- especially a state or federal employee - and now have to buy your
own, you may not be able to afford the level of health insurance
coverage you have become used to.
Affordable health insurance, however, is definitely available
-if you know how and where to look.
When you are looking for affordable health insurance, you want
the lowest cost per year that will fit your budget, of course. But,
even more importantly, you want a company that has a good record
for paying without fighting with you on every detail. Just as there
is a car for just about any budget, there is also affordable health
insurance. You may not be able to afford a "Cadillac"
policy - but then you probably don't need all the frills anyway.
Shopping for health insurance on the internet is the easiest and
best way to find affordable health insurance. Here are five reasons
why.
1. You don't need a local agent to help you submit the claims for
health insurance. The medical provider does it for you. You save
money because the health insurance company saves money by not paying
the agent commission. This could amount to an 8% to 12% savings
to you.
2. All the top health insurance companies are at your fingertips
on the internet. Most local agents can only quote you from the few
companies that they represent. They may not offer you what is best
for you financially or health-wise but only what they happen to
have available.
3. Health insurance companies have to be extremely competitive
because it is so quick and easy to compare them with their competitors
on the internet today. In the past you would have had to visit physically
eight to ten agents to do a similar comparison. Most folks just
didn't have the time or desire for that.
4. You can change your coverage, deductibles, and payment options
with just a few clicks rather than going through the paperwork delay
with a local agent (and then finding out he/she made a mistake -
more delay). 5. Charging to a credit card means you aren't going
to forget a payment and be without insurance. Also, it gives you
another 30 days before you actually have to pay. Also, many companies
today give an additional discount for "auto-pay".
The key, however, to finding affordable health insurance is realizing
that the purpose of any health insurance is to protect you from
a major financial loss - not to protect you from spending small
money on clinic visits and sliver removal. These small expenses
may be cumbersome but they generally will not hurt you. It's the
$100,000 heart operation that will break you. That's the financial
disaster health insurance was originally designed to prevent.
Also, keep this in mind. Health insurance, as with any insurance,
is a gamble. You are gambling that you will draw out more than you
pay in. Your health insurance company is gambling they will pay
out less. The odds are in their favor for two reasons. They have
all the facts for millions of families to average out, so they know
the risk in advance. Also, they get to set the rules and the prices.
The higher you set your deductible, the more risk you take. This
is not a bad thing at all. You will most likely be the winner in
the long run.
Yes, finding affordable health insurance is much easier than most
people think.
Taking more of the risk with higher deductibles, spending a little
time on the internet comparing eight to ten different companies,
and deleting coverage that you will not likely need (such as maternity
for many folks) will make it very possible to find your own affordable
health insurance.
Click
here to get a free and affordable
health insurance quote.
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