There is no doubt that health care is rising on a yearly basis. If your like most people you probally don’t know that there are options available to help you save money.In fact now would be a good time to take a good look at your coverage benefits and drawbacks. If your not satisfied with how much you are spending each month then continue reading below for four tips that will help you save money on your health insurance.
1. Make the Switch to the Higher Deductable Plan.
If you seldomly visit the doctor and are fairly healthy then it would be in your benefit to switch to the higher deductable plan. Even with the lower monthly premium you will still get a good amount of preventive care services each month without any additional costs, which is a big benefit for someone who doesn’t need to see the doctor often.
2. Build Healthy Habits.
One way to save money is to build healthy habits and toss old unhealthy habits out the door. If you are a smoker then you will pay about ten percent more for insurance compared to someone who doesn’t smoke. Also if you are obese you can expect to pay around twenty percent more then someone who is in a healthy weight range.
3. Look Into Private Health Insurance.
Many people are now looking into private health insurance, since employee based insurance is constantly rising. The main reason that you should look into private insurance is if you are healthy you might be paying way more than you need to be each much through your employer. Of course you might not get the same benefits as you would with an employee based insurance, but this would save you a great deal of money if one seldomly sees the doctor.
4. Use Generic Medication.
Believe it or not a lot of health insurance companies love giving you a small discount on your monthly premium if you are willing to use generic medication, since it has contains the same ingredients as name brand medication. Then there are some pharmacies that have certain generic medication for about four dollars and sometimes only for a dollar.