Use an Agent
An agent can save you both time and money when shopping for health insurance. The 4insurance network works diligently with your specific insurance needs to find you the lowest rate possible. To request a quote from an agent in your area click here. Determine Your Needs Before Buying Research the various insurance plans, coverages and options. Find out which best suits you and your family. Don''t buy more insurance than you need (i.e. young married couple probably doesn''t need serious medical coverage other than pregnancy). Consult an agent to answer any specific question pertaining to you. Don''t Buy Policies Excluding Pre-Existing Conditions Avoid plans that exclude pre-existing health conditions. You may end up paying for a policy that doesn''t cover you, which defeats the purpose of having insurance! If you must, try and get one with a maximum six month waiting period. Avoid Duplications In Your Policy Reconsider "supplementary" additions to your health insurance. You may already be adequately covered by your existing plan. Also consider that a component of auto insurance covers certain portions of health insurance (and vice versa). Check your policies. Review Your Policy on a Regular Basis Always check the coverage of your policy on a regular basis. Make sure it''s flexible enough to meet the ever-evolving needs of you and your family. Choose a Higher Deductible If you and your family are fortunate enough to enjoy extended periods of great health, you may want to choose a higher deductible. For example, increasing it from $500 to $1,000 will significantly reduce your insurance premium. Pay Premiums Annually Although paying premiums annually may seem like a hassle, it is well worth the effort. You can avoid the service fee and receive a discount for pre-payment! Ask your agent for availability and eligibility. Pay Your Correct Co-payment Many health insurance plans set a limit for your co-payments and out-of-pocket expenses annually. Keep a careful account of your medical expenses to make sure you don''t accidentally overpay. Confirm Acceptance of Elective Surgeries In the event that you "elect"(choose) certain surgeries, make sure your policy will cover it. If not, you may have to pay the entire procedure yourself. Confirm Doctor''s Fees Depending on your insurance plan, it will often cover 80% of your medical fees. However, your carrier''s estimated cost of a procedure may differ from that of your doctor. As a result, that 80% may shrink! Many doctors will agree to charge your carrier''s estimation and it doesn''t hurt to ask! Provide Correct Information To Your Carrier Although common sense, it''s important to mention. Should your information be somehow incorrect during filing, your carrier may refuse benefits altogether (which is definitely not a way to save money).
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