Health Insurance Information
Overview
Health insurance tips: what to do before you buy
Learn all you can! An educated consumer is a smart consumer. Use this and other Internet sites to learn about the different types of policies available to you;
research the companies that are offering the insurance;
make sure you know what the policy will pay for and what it won't;
determine how you will be reimbursed for your visits,
prescriptions, and other medical services.
Pay your premiums annually.
You can save money by paying your yearly premium in one lump sum -- check with your insurance agent about how your savings can be. You can avoid the service fee and could also be eligible for a pre-payment discount.
Move to a higher deductible.
If your family has enjoyed good health for a number of years, you may want to switch to a higher deductible of $500 or $1000. You'll notice a significant reduction in premiums.
Don't buy policies that exclude pre-existing conditions.
If at all possible, avoid policies with any pre-existing conditions. If you can't locate one without any waiting period, at least get one with no more than a six month period.
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