Selecting Inexpensive Health Insurance
In today’s difficult economy, finding inexpensive health insurance is a task many people are finding to be a necessity. Many employers are no longer offering health insurance or if they do, the insurance requires a significant employee contribution. Having dollars taken out of your paycheck each week is something that is pinching the pennies of many these days.
There are several ways to go about finding inexpensive health insurance. You can talk to your current auto insurance representative to see if their company offers health insurance. Getting a quote can be as simple as answering a few easy questions or may require a visit to the doctor’s office for a complete physical. And of course if your auto insurer doesn’t offer health insurance you will have to find another option. The internet can provide an excellent source of information for finding inexpensive health insurance. There are multiple websites available to get a number of quotes all at once. Or you can choose to go company by company to get individual quotes. Choosing the option of many quotes at once does give you the ability to do side by side comparisons. There are many factors to look at including the monthly premium and what coverage that money will buy you.
Generally speaking, the lower the monthly premium is the higher the annual deductible will be before the insurance starts providing coverage. Which means even if you feel the monthly premium is well within your budget, you must take into consideration whether you can afford the initial out of pocket expense before the insurance picks up the bill. Annual deductibles can range from $500 up to and beyond $12,500 giving a very wide range of options you can choose depending on your financial ability to pay the annual out of pocket expense. Another issue to look at is the co-pay for routine doctor’s visits or emergency room visits. These will vary from carrier to carrier. Knowing how often you generally visit the doctor will help you decide what co-pay you are willing to pay out. Some insurers offer routine lab work and preventative testing coverage without the need to meet your annual deductible. Out of pocket cost for hospital stays per day are also something many quotes will show. These costs will often count towards your deductible. Extra insurance such as cancer coverage is also something to take into consideration.
Once you have narrowed down your choices for inexpensive health insurance, researching the insurance providers you are considering is a smart choice. Checking with the Better Business Bureau and perusing reviews that are provided on the internet can be helpful in making a final decision.
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