Creative Way to Save Money on Health Insurance
Get more health insurance with less money.
This may be hard to understand, but sometimes you need to buy two health insurance policies to save money and get better coverage. Many agents are helping their customers buy more coverage for less money with this solution.
Medical Plans with a High Deductible
Consider major medical health insurance. We all know it is expensive, but a higher deductible plan can be a lot more affordable. It can also be easier to be accepted for one. And I have seen top insurers who even offer longer rate guarantees on them, and some come bundled with prescription coverage and doctor’s office copay features.
A $5k to $10k yearly deductible may seem very high. But consider saving hundreds every month on your premium bills. People who get rated up, because of a health condition, may save even more. For some people, a higher deductible health insurance plan may be the only affordable option.
Health/Accident Supplemental Health Insurance
You can find very affordable health and accident insurance policies. A $5k to $10k cash payment could slide right in there to help with expenses that your major medical will not cover. The cash can help pay your costs, pay for things that your regular health policy does not cover, and even provide cash for other expenses like transportation and living expenses.
Supplemental policies may come as a package, or you may need to find an accident and sickness policy. Some companies even provide an association membership with their major medical, so you can buy this coverage for a low cost.
Get Help from an Experienced Agent
There is no doubt that medical plans cost a lot of money. But a qualified professional should be able to listen to your needs and work with your budget. If you can find a person who can shop the market of all of the companies who work in your local area, it will help you.
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