- Student Health Insurance - The Secret to Saving 30% to 40% on Your Premium
- By:Alexis Jensen
Being a student is a challenging and exciting time of life. A lot of changes are taking place, with a lot of stress thrown into the mix. And most students don't have a lot of extra money lying around with which to pay for their health insurance, so it's important that they are able to find coverage at wholesale prices. But is that even possible today? The answer is - YES. Not only is it possible to still find student health coverage at savings of 30% to 40%, it's a lot easier to get this discount than most people realize.
Before I reveal the secret to getting your health policy at such an incredible discount, let's talk about some of the ways for you to save even MORE each and every month.
Start by paying your premium automatically every month directly from your bank account. Auto pay saves your company a lot more than you might think in printing and postage costs and they are only too glad to pass most of that savings back to you in the form of a lower monthly premium.
Don't necessarily take the standard 25% co-payment offered with most health policies. A 25% co-pay is O.K. if you see your doctor a lot each year, but if you are generally healthy and only see your doctor once or twice a year then you can save quite a bit every month simply by increasing your co-pay to 50%.
Don't smoke and don't use chew. You know better than most people how incredibly bad for your health smoking and using chew is - and it's also bad for your pocketbook when it comes time to pay your health premium every month. If you're serious about saving money on your student health insurance then you're going to have to be just as serious about quitting all forms of tobacco.
Fast food burgers and fries are killing you. They pump so much fat and so many calories into your system that they are - literally - destroying your body and adding many pounds to your weight. If you have weight issues then simply cutting all fast food burgers and fries from your diet will go a long way toward solving your problem - and losing weight will also lower the cost of your health coverage tremendously.
Increasing your deductible - the amount that you pay out of your own pocket every year for your health care - can vastly decrease the amount that you pay every month for your premium. The trick here is to find the perfect balance between how much you save every month on premium costs, and how much you can actually afford to pay every year for your own health care.
But the really Big Secret to saving a cool 30% to 40% instantly is also the easiest thing you can do. Just buy your policy online.
That's all there is to getting your student health insurance at wholesale prices - just buy it from an online broker.
How can online brokers afford to sell policies so cheaply? Two reasons. First, they have almost no overhead. That reason alone saves you a tremendous amount. But additionally, online brokers have a ton of competition and the only way to stay competitive in a cut-throat environment like that is to cut prices to the bone and then cut them some more.
The bottom line is YOU WIN. Oh - and there's one more advantage to buying your policy online. You won't have an agent looking over your shoulder and trying to sell you things you don't need and can't afford. YOU are in total control when you buy your policy online - and isn't that great for a change?
So go ahead. Get online and see for yourself just how much you can save each and every month simply by buying your student health insurance online.
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Student Health Insurance - The Secret to Saving 30% to 40% on Your Premium