Money Saving Tips
Choose a lower level of coverage.
There are a variety of health insurance overage options. Selecting a lower level of coverage can lower your monthly rate.
Choose a plan with a higher deductible.
There is a wide range of deductibles available. Choosing a higher deductible amount can lower your monthly rate.
Choose a plan with a higher copayment.
You may find health plans with doctor’s office copayments as low as $5 and as high as $100. A plan with a higher copayment will be less expensive. The higher the out of pocket, the lower the premium.
Consider a Health Savings Account (HSA).
Health Savings Accounts give you access to the most affordable health coverage on the market – and the ability to set aside money for health care expenses. The money you save on rates can be put into a personal savings account, along with other tax-deductible contributions. Use the money tax-free to pay for deductibles, copayments and qualified out-of-pocket medical expenses. And if you don’t use it, you won’t lose it. The money in the account is yours forever. Contact us for more information.
Use generic medication whenever possible.
Pharmaceutical companies spend billions of dollars in advertising trying to persuade consumers that their brand-name drugs are superior to generic drugs. Those costs are passes on to consumers in the form of higher drug prices. And their claims that generic drugs are inferior to newer brand-name drugs are simply not true. In fact, the FDA requires that generics meet the same strict standards of safety and effectiveness as the equivalent brand-name drug. Bottom line, generics are a simple and effective way to slow rising health costs without sacrificing quality.
Maintain a healthy lifestyle.
Poor health habits such as smoking and over-eating take their toll on lives and in higher health care costs. Fortunately, these habits are mostly preventable… and an ounce of prevention can pay off in terms of lower costs.
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