Saturday, September 19, 2009
Affordable Individual Health Insurance -- Ensure You Study These
Are you positive you seriously want cheaper individual health insurance rates? Then you must spend some time to understand the steps that you'd have to take to reach your goal. I've provided enough suggestions to help the greater majority save more than 50% on insurance...
1. There are drugs that are popular. You'll raise your spend if you use big brand name drugs. But will you believe it if I told you that all generic drugs are required by law to include the exact same measure of active ingredients as brand name drugs? The inactive ingredients are the only dissimilarities between generic drugs and brand names.
This simply suggests that what you get from brand name drugs is the same thing you get from generic drugs of similar specification. Notwithstanding, discuss this with your doctor before taking this decision.
2. You'll be given more affordable individual health insurance premiums if you pay by Electronic Funds Transfer (EFT). it authorizes your bank to credit your insurance provider with your premiums automatically until you stipulate otherwise. This saves your insurer in many ways such as eliminating the cost of sending payment notices and the cost associated with processing checks. The insurance provider passes part of what they save to you by bringing down your rates.
3. The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) insurance is a good option for affordable coverage if you have a pre-existing condition that makes regular individual health insurance difficult or too expensive.
4. If you intend to spend less on health insurance then you have a good opportunity in a Flexible Spending Account. You can keep tax-free dollars to cater for your health needs. The good thing about this account is that it permits you to carry over the amount unused into the next year tax free. You can build a large reserve of money for your health care needs tax-free if you open a Flexible Spending Account.
5. Most individual health insurance plans give approximately two complimentary medical check ups.
In case you would like to know why this brings about cheaper rates, here it is...
Since ailments are spotted at their early stages by doing these check ups, they are more easily treated without spending much. And, anything that makes your insurer spend less on you makes your rates more affordable.
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