Price - too high? - Counsel for the low gate

Is the price you pay for health insurance too high? The following steps will help you get ...

Your franchise ...

Your rates more affordable, if you increase your deductible. This is the amount you pay before an insurer is required to pay accordingly. Not care that it is recommended that you select a high deductible, that is an amount that you can easily.

Using unknown brands ...

If you buy brand-name drugs, your premium will be in place. But do you know that each generic drug has the same active ingredients as the big brand version? If the differences start and end are in their selection of inactive agents.

Therefore, going for brand names, you do not really value added, despite the fact that they are much more expensive. Ask your doctor about this.

Flexible Spending Account ...

There is a type of flexible savings account known as the expense account. This type of account is for you to put away tax-free dollars mainly for your health needs. Any amount not used may be carried over the year (again excluding tax). With this you can possibly save a substantial sum to take care of your health care needs.

Cost of medicine and co-payments ...

Are you aware that your co-payment could be more expensive than the cost of your medications? There are also situations where it is cheaper if you do not use your insurance, but buying a prescription from your own account. Does it give you more savings.

Check and compare before you use your insurance.

Change Your Life Style ...

A good routine you get lower rates. For example, your rate will be lower over time if you stop taking junk food. Try to cut the cholesterol, fat and carbohydrates in your diet and you will not only pay less, but also enjoy a healthier life.

In the same way, you'll be healthier and have to see the doctor if you are under committedly carry a maximum of thirty minutes each day.