- Health Insurance Companies - How to Get Coverage at Wholesale Prices
- By:Alexis Jensen
There's exciting news in the health insurance world. It's now possible to get health coverage at wholesale prices. And almost everyone qualifies, regardless of whether you currently have coverage or not. In fact, by getting your coverage at 30 to 40% off of current prices, many people are discovering that they can actually get individual coverage at a lower cost than they are paying for group coverage through their work.
But before we get to the Big Secret, let's discuss a few smaller but still very important things you need to keep in mind so that you can save as much as possible when buying your policy.
Always pay your premium automatically directly out of your checking or savings account. You'd be surprised by how much it costs to print and mail you a bill each and every month and if you save your company that expense they are only too happy to pass a good portion of the saving right back to you in the form of a lower monthly premium payment.
Most health policies come with a standard 25% co-payment whenever you visit your doctor. If you see your doctor on a regular basis this is O.K. However, if you seldom see your doctor then you can save some serious money each and every month by increasing your co-pay to 50%.
Stop eating at fast food places. That's right, you can save some serious money on your health care costs if you cut all fast food burgers and fries out of your diet. A single burger and fries meal can easily pump more fat that you need for an entire day and well over 1,000 calories into your system. And that doesn't count the cholesterol that's clogging your arteries.
Eating at fast food restaurants is one of the primary causes of obesity in this country and obesity costs you a fortune every month when it comes time to pay your premium. Lose weight - save money. It's that simple.
Another simple equation concerns tobacco use. Use chew or smoke cigarettes and you'll pay 25% to 35% more for your health insurance. So the question becomes - just how serious are you about saving money on your health coverage every month? Are you serious enough to actually step up to the plate and do what needs to be done? Are you serious enough to stop smoking or using chew?
Increasing your deductible will certainly lower your monthly premium. Just be sure you don't promise to pay a larger deductible than you can actually afford to pay each year.
So what's this Big Secret that will instantly lower the cost of your health insurance by 30% or even 40% in some cases? You won't believe how easy it is. Just buy your policy online.
That's all you have to do. Online brokers have no overhead and no overhead means they can sell policies at wholesale prices. Add to that the incredible competition online and you have the perfect formula for low, low prices!
And there's another thing. When you buy your policy from the comfort of your own home there's no agent breathing down your neck and talking you into buying more and more coverage that you don't really need and can't really afford. When you buy online YOU are in charge for once!
You don't need to take my word for it. It's easy enough to check out for yourself. Just get online and find a really good site for comparing prices and I'm sure you'll come to the same conclusion that I have - and you'll be saving a fortune each and every month while still getting the exact same health coverage you've always had!
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