Paying for health care can consume a large portion of an
individual or family's disposable income. Some costs are
non-negotiable but there are ways to lower the amount you spend
on insuring your health.
Deductibles
You may be able to pay a lower premium by paying a higher
deductible. This is particularly true if you are insured as an
individual rather than through your employer. If you choose this
option it is wise to place a portion of the money saved on your
premium into an account which is used solely to pay your
deductible.
Co-pay amount
Many companies have lower premium policies available for those
willing to make a higher co-payment when they visit the doctor.
Opting for a higher co-payment can be especially advantageous
for people who don't often visit the doctor.
Generic drugs
Generic drugs are manufactured to the same standards as brand
name drugs. Choosing to have a prescription filled with a
generic drug can offer substantial savings over having it filled
with a brand name drug.
Healthy living programs
Many insurance plans offer pre-emptive health care services
which are entirely funded by the insurance company. Employee
plans often do this as a way of avoiding paying for higher
priced services later on down the line. Programs may include
free immunizations, mammograms, prostate exams and general
physicals. Paying a portion of monthly health club dues is also
available on a few plans. Be sure to take advantage of these
options if possible.
Remember, while health insurance premiums are high the peace of
mind brought by knowing you and your family are insured is
priceless. Gathering as many quotes as possible is the best way
to learn and compare companies.
Please view our recommended sources for insurance quotes online.
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