Bright Health Insurance
Words “low price” and health insurance are rarely seen in the exact same sentence any more, but the truth is there are several things you can do
that will diminish the cost of your health insurance. Let us look at a few of them.
Start with the hard choices first: Quit smoking and shed weight.
Of those items is easy to do, but if you are seriously interested in finding cheap health insurance then you are definitely going to need to quit smoking and quit using any other tobacco product.
There’s no way to do this half-hearted – you simply must stop.
Weight is not the same story. Slimming down is harder for many people than quitting smoking. The issue is, a huge portion of your
monthly health insurance premium is dependent on your BMI (Body Mass Index). That is a politically correct method of talking
about fat. There is one ray of good news
- if you’re able to shed even a little of the extra fat you may have the ability to slip one rung on your insurer’s BMI scale – and if you manage to do that
you can save possibly hundreds of dollars each year on your wellbeing insurance.
A group health insurance program. There are
two reasons you’re better off with a group medical insurance program: one, it will be cheaper than a single plan and, a set plan may provide you more leeway in regards to smoking
Your place of employment doesn’t provide group health insurance inquire around at any
clubs or organizations or associations that you belong to. You would be amazed by the classes that provide their members’ group medical insurance. If
you don’t belong to any associations that offer group health insurance request your friends and family members if they do – and if so, join!
You run a home-based company it is possible your business could qualify for
group rates even if your sole employee is a spouse. Even if your company does not qualify for
group rates, talk to your tax adviser; it’s very possible that a portion on
your health insurance could be tax deductible as well as a tax deduction may create your insurance less expensive.
HMO or a PPO will offer health insurance at savings over most individual
health insurance, but you must be prepared for the possibility of giving your favourite doctor – unless he or she just happens to be a part of the HMO or PPO you’re
Your credit record clean. Believe it or
not, you will spend less for your health insurance the higher your credit rating is.
Living a healthier lifestyle. That means
cutting the quick food and the fried food down way, and it means getting at
least a little exercise each and every day.
Exercise does not necessarily mean jogging or going to a gym. Exercise can be something as straightforward as a brisk walk around the block or through your neighborhood park.
Can you increase your co-payments? Should you
Can afford to increase your co-pays to 50 percent each time you go to your doctor
you’ll cut way back on your health insurance costs. Of course, this means you are going to pay more each time you see your physician, but if you do not see your doctor on a regular basis
this may be a terrific way to save money each month.
About your deductible? Can you afford to
increase your deductible? If you do this will decrease the amount you pay for your health insurance monthly almost immediately – but keep in mind that your deductible is the amount that
you must pay monthly out of your pocket to your healthcare before your
insurance provider starts contributing.
Do not make any fiscal claims you’ll be able to manage to keep.
Find 3 sites which enable you to compare the costs of healthcare policies in
Arizona from different insurers. Using the information you’ve accumulated from
this article fill out forms on 3 different sites – being careful to set the
exact same info into all 3 kinds.
In this manner your comparisons actually mean something.
That is it. When You have the results
From all three sites all that is left is for you to choose the cheapest price
And you’re done! This is how you compare