- Short Term Health Insurance - The Secret for Getting the Best Price
- By:Alexis Jensen
There are lots of reasons why you might need short term health insurance. You may have just gotten a new job and you need short term coverage until your new group policy takes effect. You might be between jobs, or there could be any number of other reasons. The point is, short term health coverage can be expensive. But there is a simple secret that your broker hopes you'll never find out about that can drastically cut the cost of your short term coverage.
But before we talk about the Big Secret for getting short term coverage at the best price, let's also talk about a few simple things you can do that will help to drastically reduce the cost of your coverage even FURTHER yet!
Always set up an auto-pay program for paying your premium directly from your bank account every month. You probably aren't aware just how expensive it is for your company to prepare and mail a bill to you every month. If you save them this cost they are only too happy to pass most of that savings on to you.
If you don't see your doctor on a regular basis every year you can save a lot of money by increasing the standard 25% co-pay for doctor's visits to 50%. The savings on your premium every month should more than pay for the added cost of one or two visits to your doctor every year.
Don't stop at your favorite fast food joint. Do you have ANY idea how many calories are in a fast food burger and fries? I bet you don't. The number is astronomical! The damage you are doing to your health every time you eat a burger and fries is bad enough, but the added cost of your health coverage is literally enough to make you sick!
If you have a weight problem a large part of it may very well be due to eating fast food burgers and fries. If you stop eating at fast food places you will probably see a reduction in your weight within a month or so - and every pound you drop means a lower premium for your health insurance!
Obviously if you are concerned about the cost of your health care then you know that you can't smoke or use chew. If you still smoke or use chew you know it's time to stop. Make the decision and simply do it. The cost to your health and the added cost of health care is just too high to ever justify such a vile habit.
If you can afford it, increase your deductible. Increasing your deductible will definitely lower your monthly premium, but be careful that you don't go overboard and increase the cost past the point at which you can afford to pay for it.
And that brings us to the Big Secret for reducing the cost of your health insurance and getting the best price possible. The answer is so simple you may not believe it at first:
Buy your health policy online.
That's all you need to do. Are you aware that online brokers have almost no overhead? No overhead means they can sell policies at yesterday's prices and still make a profit.
But in addition to no overhead costs, online brokers are faced with some of the stiffest competition on Earth. The only way for an online broker to compete successfully given the amount of competition they face is to cut prices - and then cut them some more!
What does all of this mean for you? It means you WIN for once. Simply buying your policy online will save you 30% to 40% over what you are paying right now.
There's another benefit to buying online as well. When you buy from the comfort of your own home there isn't an agent breathing down your neck and talking you into buying more than you need and certainly more than you can afford. When you buy online YOU are in charge - and that feels good!
So go ahead. Get online and find the best price available for your health insurance and see just how much you can save!
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