How to Get the Best Health Insurance for Affordable Prices
Health insurance has changed a lot over the last decade or so and with the rising costs of healthcare, it has never been more important to get adequate coverage. Of course, finding a balance between the coverage you need and the price you can afford isn’t easy, but there are some ways to make it easier:
1. Go Through a Comparison Service
Services like Finance Council make it easier to find low-cost health insurance.
It’s a comparison company staffed by insurance experts, and the best advice is just a free phone call away.
To begin the process, just dial (800) 824-0315 for a no-obligation free consultation. The representative will ask a few basic questions about your situation and your needs, before using state-of-the-art technology to scour hundreds of possible policies from dozens of providers.
This process is quick and typically takes just a few minutes to complete. It uses personal information to provide the best recommendations, after which it focuses on the cheapest premiums.
Once you are connected through one of the company’s trusted providers, you will have a direct line to an insurance expert. If you have any questions about the process, premiums, coverage, or anything else, they will answer them.
2. Check Your Options
Before you agree to anything, make sure you have explored all of your options.
If you’re married, you might get a better deal by adding yourself to a spouse’s plan. There are also employer plans to consider, and options to cover all of your family.
Finally, if you’re not married but have a domestic partner, you can get coverage through their plan.
3. Compare Many Providers
Don’t go with the first provider that you see, even if they do offer you a seemingly good deal. The reason Finance Council is so effective is that it compares policy options from numerous providers, narrowing them down to the cheapest and most suitable.
This is something you can do yourself, but it’s time-consuming and it’s always best to let someone else do the work.
4. Look for Discounts
Health insurance discounts are not as common as car insurance discounts, but some providers offer them.
You might be able to save if you go through certain member organizations and an increasing number of providers offer discounts for wearing fitness trackers.
5. Reduce Unnecessary Expenses
Health insurance can cover everything from vision and dental to outpatient, inpatient, and prescription medications. You shouldn’t cut things that you might need later, and as health is unpredictable, it’s hard to know what you’ll need and what you can cut. But this is something you can discuss with a Finance Council representative.
Once you have your health insurance, you can save money by cutting back on unnecessary tests. Many doctors recommend them because they can. It’s a “just in case” service, but it’s an expensive and oftentimes unnecessary one.
Questions? Call 1 (888) 479-1803