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Making the Most of Your Insurance Dollars
Author: Nelma MaxwellThe cost of health insurance today can be quite shocking. In 2008, the cost of group health insurance for large employers rose at two times the rate of inflation. The cost of smaller plans rose even more. But what can you do? Here are some tips to help you get the most for your money. By following these suggestions you may be able to lower your insurance premiums and keep your overall health spending under control.
1. Live healthy. Your health is a valuable asset. Sick people not only cost insurance companies more to treat, but they also pay for their lifestyle out of their own pocket. This could be in the form of co-pays, difficulty getting insurance or lost productivity. Insurance companies have proposed all sorts of schemes to encourage healthy members. Their concern is how likely they are to get a bill that is larger than the amount of premium that has been paid. This is called insurance risk. But insurance companies can’t make healthy choices for you. Quitting a bad habit is a good start, but there is more to good health than that. Finding good nutritional information takes work. But in my view, it’s worth a lifetime of effort if it adds health to your years.
2. Decrease your insurance risk. Health is not the only factor in insurance risk. If you are part of a large group plan where many members pay premium, the average risk is lower than if you have an individual or small business plan. Whatever your employment situation, a good insurance broker will work to get you the best plan he can.
3. Know your plan. Everyone has to use the health care system once in a while. Read your Certificate Booklet to make sure you fully understand what could be covered by your insurance. Call your insurance company with any questions. Don’t assume your doctor has the answers.
4. Get a Second Opinion. Make sure you fully understand the treatment the doctor is suggesting and why. If you have any doubts, check with your insurance about a second opinion. Insurance companies often encourage this. Even good doctors make mistakes. Check on the reputation of the doctors you see. After all, you’re the one who will have to live with whatever decisions are made about your health.
Remember, we are all in this world together. The more people become educated health consumers, the less health insurance and related health care costs will rise.
About the Author:
Miriam is a sometime world traveler who was a customer service representitave for a major insurance company and now writes articles for Good Neighbor Insurance and others. Good Neighbor Insurance represents 10 international health and travel insurance companies. Email us for more information.
Article Source: ArticlesBase.com - Making the Most of Your Insurance Dollars
The cost of health insurance today can be quite shocking. In 2008, the cost of group health insurance for large employers rose at two times the rate of inflation. The cost of smaller plans rose even more. But what can you do? Here are some tips to help you get the most for your money. By following these suggestions you may be able to lower your insurance premiums and keep your overall health spending under control.
1. Live healthy. Your health is a valuable asset. Sick people not only cost insurance companies more to treat, but they also pay for their lifestyle out of their own pocket. This could be in the form of co-pays, difficulty getting insurance or lost productivity. Insurance companies have proposed all sorts of schemes to encourage healthy members. Their concern is how likely they are to get a bill that is larger than the amount of premium that has been paid. This is called insurance risk. But insurance companies can’t make healthy choices for you. Quitting a bad habit is a good start, but there is more to good health than that. Finding good nutritional information takes work. But in my view, it’s worth a lifetime of effort if it adds health to your years.
2. Decrease your insurance risk. Health is not the only factor in insurance risk. If you are part of a large group plan where many members pay premium, the average risk is lower than if you have an individual or small business plan. Whatever your employment situation, a good insurance broker will work to get you the best plan he can.
3. Know your plan. Everyone has to use the health care system once in a while. Read your Certificate Booklet to make sure you fully understand what could be covered by your insurance. Call your insurance company with any questions. Don’t assume your doctor has the answers.
4. Get a Second Opinion. Make sure you fully understand the treatment the doctor is suggesting and why. If you have any doubts, check with your insurance about a second opinion. Insurance companies often encourage this. Even good doctors make mistakes. Check on the reputation of the doctors you see. After all, you’re the one who will have to live with whatever decisions are made about your health.
Remember, we are all in this world together. The more people become educated health consumers, the less health insurance and related health care costs will rise.
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