Get more health insurance with less money.
This may be hard to understand, but sometimes you need to buy two health insurance policies to save money and get better coverage. Many agents are helping their customers buy more coverage for less money with this solution.
Major Medical - High Deductibles
Consider major medical health insurance. We all know it is expensive, but a higher deductible plan can be a lot more affordable. It can also be easier to be accepted for one. And I have seen top insurers who even offer longer rate guarantees on them, and some come bundled with prescription coverage and doctor's office copay features.
You may think that a 5 - 10 thousand dollar yearly deductible will not work for you. But think about how you can save $100's of dollars every month on your bill. And if you have a health condition that has caused a rate-up, the savings can be considerable. You need to balance your budget vs the deductible.
Accident and Health Insurance Supplements
Next, consider a supplemental illness and accident policy to fit right under your deductible. These type of plans are usually fairly inexpensive, and provide cash in case of an accident or specified major illness. You can use this cash to help defray your deductible expenses, or provide for medical expenses that your major medical policy may not cover. You may also need the cash for extra expenses like transportation or meals out while a family member is being treated for an illness or injury.
You may be able to purchase a supplemental health and accident policy as a package, or find one accident policy and one sickness policy. Sometimes health insurance comes with an association membership, and the association provides supplemental coverage for a very reasonable price!
Get Help from an Experienced Agent
Major medical insurance will be expensive for most people, but an experienced professional should listen to your needs, and then find a plan that you can afford. If you can find a professional who represents a variety of companies, you should be able to compare your options. - 29954
This may be hard to understand, but sometimes you need to buy two health insurance policies to save money and get better coverage. Many agents are helping their customers buy more coverage for less money with this solution.
Major Medical - High Deductibles
Consider major medical health insurance. We all know it is expensive, but a higher deductible plan can be a lot more affordable. It can also be easier to be accepted for one. And I have seen top insurers who even offer longer rate guarantees on them, and some come bundled with prescription coverage and doctor's office copay features.
You may think that a 5 - 10 thousand dollar yearly deductible will not work for you. But think about how you can save $100's of dollars every month on your bill. And if you have a health condition that has caused a rate-up, the savings can be considerable. You need to balance your budget vs the deductible.
Accident and Health Insurance Supplements
Next, consider a supplemental illness and accident policy to fit right under your deductible. These type of plans are usually fairly inexpensive, and provide cash in case of an accident or specified major illness. You can use this cash to help defray your deductible expenses, or provide for medical expenses that your major medical policy may not cover. You may also need the cash for extra expenses like transportation or meals out while a family member is being treated for an illness or injury.
You may be able to purchase a supplemental health and accident policy as a package, or find one accident policy and one sickness policy. Sometimes health insurance comes with an association membership, and the association provides supplemental coverage for a very reasonable price!
Get Help from an Experienced Agent
Major medical insurance will be expensive for most people, but an experienced professional should listen to your needs, and then find a plan that you can afford. If you can find a professional who represents a variety of companies, you should be able to compare your options. - 29954
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