Health Insurance

The following are areas to consider when making a decision about health insurance:

  • the different types of policies available
  • what the policy will pay for and what it won't
  • how you will be reimbursed for your visits, prescriptions, and other medical services.
  • lower premiums and higher deductibles and copays, versus  higher premiums and lower copays
  • between 2000 and 2006, nearly half of all the bankruptcies filed were due to excessive medical expenses. Plan for the expenses that insurance won't cover.

Pay your premiums annually.

You can save money by paying your yearly premium in one lump sum. You will avoid the service fee and may also be eligible for a pre-payment discount.

Move to a higher deductible.

If your family has enjoyed good health for a number of years, you may want to switch to a higher deductible of $500 or $1000. You will notice a significant reduction in premiums.

Don't buy policies that exclude pre-existing conditions.

If at all possible, avoid policies that won't cover pre-existing conditions. Try to locate one without any waiting period, or at least no more than a six-month wait.

Consider purchasing Accident and Critical Illness Supplements

Many supplementary policies are unnecessary because the items they pay for may already be covered under your existing health insurance plan. However, when purchasing  high-deductible plans, consider adding an Accident and/or Critical Illness plan. These plans will significantly reduce high out-of-pocket costs.  

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Health Insurance Options

  • Individual Health
  • Group Health
  • Disability
  • Short Term
  • Student
  • Medicare/Supplemental
  • Health Savings Plans
  • Traveler's