If you want to experience sticker shock, check out a hospital bill that isn’t covered by insurance.
You’ll see more zeros that you’ll find at a speed-dating convention.
Avoid the sticker shock by getting health insurance. Good health insurance will cover your medical expenses, whether you’re going for your annual checkup or you need emergency surgery.
Of course, before you can get insurance, you have to select your coverage. This might seem tricky, but we make it easy. You can compare quotes and find the perfect insurance to fit your needs.
Let’s look at some factors you should consider when selecting insurance.
First, you’re going to have to decide if you want an HMO or PPO. Both will provide you with the coverage you need, but HMOs tend to have lower premiums. On the other hand, PPOs give you access to more providers. You have to ask yourself which is more important. Do you want to be able to pick from a broad range of providers or do you want to cut costs? Once you make that decision, you’ll know which type of coverage is right for you.
Regardless of the type of insurance you choose, you can lower your premiums by raising your deductible. If you’re a healthy person, you can likely get away with raising your deductible. You won’t have to pay your deductible to go in for a yearly checkup.
However, if you are getting older or you have experienced some health issues in the past, it is likely in your best interest to keep your deductible lower. That way, you won’t have to pay large sums of money when you go in for procedures.
You can also save money by getting healthier. If you’re a smoker, put down the cigarettes. The longer you go without, the lower your premium will be. Plus, you’ll feel a lot better once you stop coughing up black tar.
If you’re overweight, get in better shape. People who are obese are more likely to have health problems than people who are at their ideal weight so insurance companies charge them more. Stop paying more by getting to your ideal weight.
In addition, cut out the services that you don’t need. For instance, if you aren’t going to get pregnant, you don’t need maternity coverage. You can save money by opting out of it. On the other hand, if you intend to get pregnant in the future, keep your maternity coverage. You won’t be able to add it in once you are pregnant, so you could end up with a very expensive pregnancy on your hands. Kids are expensive enough. Don’t dig the financial hole before your little bundle of joy is born.
You can also save by getting a quote a with us. We offer discounts on health insurance, making it easy to save money on insurance. If you’re tired of paying high prices on health insurance, get your quote today.