5 Ways to Save Money on Health Insurance


The overwhelming mass of uninsured Americans is firsthand evidence that health insurance is too expensive -- as if we didn't already know.

On average, middle-income families with individual coverage spend 22 percent of their income on health care. Others pay up to 50 percent of their household income on health coverage, according to data from the Agency for Healthcare Research and Quality.

To avoid paying more for less quality coverage, it's essential to compare insurance options and gather as many quotes as possible. There are, however, some other ways to save money on health insurance, too.

Check out five tricks and tips to save on health coverage:

1. If you get a call from an insurance provider as part of an application process, do not divulge any additional details. Since these calls are usually recorded, disclosing extra info could come back to bite you as a higher premium.

2. Know your insurance policy well, and review it when needed. You should know precisely what services and costs are and are not covered. Visiting in-network doctors, for example, can save a lot of money. In the event of complex surgeries or assessments, ask both the doctor and insurance provider explicitly what is covered before undergoing a procedure.

3. Exhaust group insurance options before buying an individual policy. Group insurance is always cheaper, but if your employer doesn't offer health insurance, or if you're self-employed, consider other group options. Groups like labor unions, fraternal and business organizations, student associations and other special-interest groups may offer coverage.

4. Consider reputable discount opportunities. Several states offer discount programs, and the Medicare Prescription Drug Discount Card and the Together Rx Access Card both save money on medication costs. Also, a new consumer-driven movement called All Our Power emerged recently that provides group buying power for individuals.

5. Regardless of your coverage, ask physicians and hospitals about paying for services in cash. Many hospitals offer huge discounts for patients paying in cash, but your insurance provider likely won't be forthcoming about that tidbit.


More Resources

Private Medical Insurance- Finding The Right Policy for You


Why Private Medical Insurance Is Becoming So PopularRecent research indicates that the vast majority of consumers take out private medical insurance because they are concerned about the length of waiting lists for treatment in NHS hospitals.68% of those questioned in a recent online poll, said that they wanted to receive treatment when it was needed rather than having to take their chances with the NHS waiting lists.

Can I Really Get Life Insurance, No Exam Required?


Changing the way that life insurance is bought and sold on the Internet and through the media has opened up the doors for many people to have affordable life insurance policies. Life insurance no exam is one such brainstorm.

Life Insurance No Medical Exam - Is It Really Possible?


Quite often you feel that an ad for life insurance no medical exam is trying to rip you off. However, it is possible to get life insurance no medical exam when you shop online for your life insurance needs.

Everybody Wants The Best Term Life Insurance Quote


The information you need about the best term life insurance quote is only a click away when you search for term life insurance online. You don't even have to know anything about the insurance industry to get the best term life insurance quote from an online insurance company.

A Free Term Life Insurance Quote Is Only Easy To Obtain


By searching online for life insurance, you can get a free term life insurance quote with no obligation to buy. In order to get the free term life insurance quote, you fill in the form on the appropriate page of the life insurance company website.

Why Should I Go To A Life Insurance Broker?


A life insurance broker is a dedicated person that encourages and listens to the needs and wants of a person looking for life insurance. It doesn't matter what type of life insurance you are looking for, whole or term life.

How To Get Cheap Whole Life Insurance Quotes


Whole life insurance quotes the most expensive kind of policies that are on the market due the fact of cash value over time. Whole life insurance is permanent life insurance coverage that lasts as long as you live and continue to make on﷓time premium payments.

Terrorism: Acts of Terrorism: When Will Insurance Respond?


Insurance policies provide financial protection in a broad range of circumstances but each type of product specifies certain situations where the policy will not respond. These vary from one type of product to another, and can vary in detail between one insurer and another.

How Can I Compare Life Insurance Quotes?


The online life insurance companies offer a free service where you can request a free quote for your life insurance needs. This enables you to compare life insurance quotes to see where you can save money with one over the other.

Discount Life Insurance Will Give You The Best Protection You Need


There is always a chance that there is a better deal somewhere else, no matter what you are buying. That is why you should research and find discount life insurance.

Is Life Insurance Comparison Really Necessary?


When you want to purchase a life insurance policy, you really do need to do a life insurance comparison. This is to ensure that you get the best possible rates and the best possible life insurance for your needs.

Auto Insurance In Texas


If you are looking for auto insurance in texas, you might want to check out golden rule insurance company who offers cheap auto insurance online. Of course there are plenty of other companies that also offer affordable rates, but first you should understand Texas auto insurance requirements.

Auto Insurance Rates


Auto insurance rates will vary depending on the insurance agency, your driving record, and the type of insurance you are looking to purchase. I you are looking for affordable car insurance or truck insurance then read on.

Short Term Health Insurance

Affordable Health Insurance For Seniors


The affordable health insurance strategy protection industry is massive and can be a very complicated place sometimes.

More Insurance Information:

Related Articles

What You Need to Know About Auto Insurance
Let's be realistic, everyone needs to have auto insurance. Aside from the fact that almost every state requires it, it is only logical for a driver to see that his vehicle is properly insured.
Health Insurance Online - Save Today
It is now possible to thoroughly research and buy health insurance online. Without health insurance, the smallest of incidents, accidents, or illness can leave you with expensive medical bills that most people would have difficulty paying.
The Need For Life Insurance
A person needs to reexamine their life insurance needs every few years because as our life events change so do our needs.When starting a family, a person needs to consider starting a life insurance policy.
Discount Auto Insurance - Get Low Rates And Superior Coverage
Auto insurance rates can be quite expensive. If you are in shopping for auto insurance or just comparing rates between your current insurer and competing insurance companies, you may want to look at the rates offered by discount auto insurance providers.
Is Your Financial Security at Risk?
The topic of insurance is not sexy by any means. Perhaps that's why so many people avoid addressing it.
Health Insurance, What Does It Mean?
Your health insurance policy is an agreement between you and your insurance company. The policy lists a package of medical benefits such as tests, drugs and treatment services.
Should I Buy Rental Car Insurance?
Rental car agencies have a menu of insurance policies they would like to sell you. While each policy could be of some benefit under the right circumstances, you should review each plan (its provisions, limitations, and exclusions) before making a purchase.
Life Insurance Beneficiaries
Naming a beneficiary for your life insurance policy can be a difficult decision to make, not to mention a tricky procedure. A person needs to research the different types of beneficiaries and the different ways to go.
The Immorality of Guarantee Issue Health Insurance
While there are genuine debates about whether privatized health insurance or nationalized health insurance policies make more sense, there can be little doubt that guarantee issue policies represent the most immoral type of hybrid between the two. The argument that everyone should be covered by health insurance is an argument for a nationalized health care policy.
Basic Coverage of Homeowner Insurance Policies
The insurance policy is a package that includes more than 1 type of insurance in a policy. There are 4 types of coverage contained in the home insurance policy.
All Auto Insurance is Not Created Equal!
Contrary to what you may have heard all auto insurance is not created equal. A quick search on the net will quickly reveal different rates, different policies, and different terms, so how is one to sort through all the clutter.
Cheap Auto Insurance Quotes - Tips For Getting The Lowest Rate
Finding auto insurance quotes online is easy, but finding the cheapest auto insurance rates can be more of a challenge. To get the lowest quotes, follow these tips to help you find ways to trim possibly hundreds off your auto insurance quotes.
Can I Really Get Life Insurance, No Exam Required?
Changing the way that life insurance is bought and sold on the Internet and through the media has opened up the doors for many people to have affordable life insurance policies. Life insurance no exam is one such brainstorm.
Health Savings Account (HSA): What Happens to it When I Retire?
The Health Savings Account (HSA) is a great tool that is going to helpus all reduce our health insurance costs and avert the currenthealthcare crisis in America. But what happens when a personretires? What use is an HSA then?Your HSA transforms itself at that moment you turn 65, when youofficially become eligible for Medicare.
Mortgage Insurance Plans: How Good Is Yours?
Mortgage insurance, to pay off a mortgage, is something you'll inevitably be asked to take out by the bank. Mortgage insurance is necessary so that if something happens to you or your spouse then your loan will be paid off which is good news for your family and the bank.
Long Term Care Insurance How Much Should I Buy?
Long-term care insurance policies have a variety of features and it pays to shop around. It is quite easy in the final years of your life to run up extremely large care bills which could threaten your life savings, home and your children's inheritance.
Accident Insurance Claim Personal Injury Insights
There's nothing that has a greater impact on evaluating a personal injury insurance claim than the damage done to your body, the medical bills that are a direct result of that injury and the "pain and suffering" you were forced to deal with.Besides botching up your body (and sometimes your love life) what else does the injury mean to you? It means a ton of financial expense's, including repairing your motor vehicle, lost wages, a shock to your life style, a tremendous inconvenience and short or long periods of pain and discomfort - - all of it a direct result of your injuries.
What Is Term Life Insurance?
There are two different types of life insurance, term life insurance and permanent life insurance. Term life insurance is the easier of the two plans.
Insurance or Assurance - Do You Need Reassurance?
Insurance versus assurance: what is the difference?Should you care?Yes!!The world of finance is extremely complicated and there are many factors to consider when choosing any financial protection product.When looking for a policy you need to know what you are looking for and what is on offer in order that you get the right cover for your needs.
How Do I Calculate How Much Life Insurance I Need?
Life insurance protects you and your family from economic hardship as a result of death. It is an insurance company's obligation to pay the recipient of your choice a pre-determined amount of money when you die in exchange for timely payment of premiums while you are living.