Emperor Norton II
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Change it. get a policy with lower premiums. And save up the money for higher deductibles. Try to be safe and healthy. |
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aitmf
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See if you can get a high deductible to cut the cost. Add a discount medical plan to keep the individual visits down. Then have a Healthcare spending account taken out pre-tax to help pay for the visits. As for a great discount plan check out www.EveryoneBenefits.com/Teenya
AmeriPlan USA is available nationwide and is with the Consumer Health Alliance and the Better Business Bureau. They have been around for 15 years. they have "set the standard" when it comes to true Consumer Driven Healthcare. All ongoing medical/dental conditions are included. |
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President, www.HSAInside.com
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First off, do not cancel your current coverage until you have been approved for another plan. Second, you must learn how insurance companies make profit:
Insurance corporations make billions in reserves every year, by charging you in advance! Think of health insurance like this- would you go to a $25.00 buffet to grab a cup of coffee? Or would you go to a coffee shop and pay $1.50 for a cup of coffee? Buy what you need, control your healthcare costs purchase a Health Savings Eligible Health Insurance plan. I would advice you to go to www.HSAInside.com and learn more about buying one, these plans are being offered by all the major health companies like blue cross/ blue shield/ aetna/ united health/ golden rule/ ET. |
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John H
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get a quote from http://www.surfquotes.com and check out the rates for health insurance. |
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hurricane_0_8
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Many people do not realize they have an option called short-term health insurance. It is very robust coverage including doctors, hospitals, prescriptions - and all with no "network" to deal with. You will need to pay attention and rewrite it when it expires so you keep yourself covered. Also, it will not cover pre-existing conditions but if you are healthy that would be no problem. The good part is that this kind of insurance is much less expensive that regular "perpetual" insurance. You can start it as soon as tomorrow. Go to http://www.wavehelp.com/short-term-medical-insurance.htm and check it out. The site is easy to use and full of all the information you need. You can easily buy on-line if you wish.
Best wishes. |
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Mark R
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Cancel it! |
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Hadley
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The quickest and easiest thing you can do is to compare free, no obligation quotes for health isnurance plans online. That way you know of there is anything out there that may be more affordable.
Some things that affect your premium include the coverage limits, co-pay / deductible, types of coverage and the existence of any pre-existing exclusions. Also, the type of health care plan you choose.
There are many web sites offering health insurance quotes.
I recommend the two top-rated health insurance quote providers:
1) InsureMe - they give you the five best health insurance quotes from top-rated health insurers nationwide. To Request a free, no obligation quote, Go to - http://www.insureme.com/landing.aspx?Refby=613598&Type=health
2) eHealthinsurance.com offers you side-by-side quote comparisons from a large network of health insurers across the country.
I hope that helps! Take care and best of luck! |
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srirambm
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Go for a cheaper one or all together cancel it and try to be more healthy.. I know of people who dont carry any insurance and are still doing fine |
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christal
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just change it. there's so many insurance policy. choose the policy with lower premi plus invest... :) |
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Danielle S
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You can look into a discount health card also. There are many available (some are not legit - so be careful!)
I use www.procardinternational.com and they are recogzied by the better business bureau. They have great plans that can help you cut your bills by 30%.
Don't cancel your insurance though, you never know when you WILL need it - and hospital bills can get out of hand EASILY without insurance! |
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fr_chuck
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price it out to other companies, raise your deductable, and talk to your agent as to other changes in your policy |
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dot&carryone.
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I cancelled mine and took out an personal accident insurance instead, which was much cheaper, I was glad I did, because I did have quite a serious accident. |
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lizarddd
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Cancel it, you're lucky a lot of people cant afford private health insurance |
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cgspitfire
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Michael W. has an excellent recommendation. I also have a high deductible and utilize a HSA. I also have the treating facility bill me directly as cash prices are often lower than insurance prices and then I file the billing with my insurance carrier. Definitely shop around! Good luck. |
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floozy_niki
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My advice: leave it as it is.
Why?
First of all, don't try to switch your policy just because it is expensive. What we truly need is a company who will pay us when we need the $$. Sometimes, premiums are cheap because the company doesn't pay up! Or, it will delay your payment by as long as 1 year.
Second, we don't buy insurance because it is cheap, we buy it because it suits our needs at the time we bought it. Unless you find another insurer who will offer you the same or better terms with the same or cheaper premiums, I'd say stick with the devil you know than the devil you don't.
Lastly, after considering the above points, if you would still like to go ahead and change policies, then I advise you to go for a medical check-up first. Sometimes we might not even know we are ill. So before you go and buy another insurance and before you are blacklisted by the entire industry, make sure you are in perfect health before you change policies.
Please do consult your servicing adviser before making any moves. That is the best thing to do. |
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ken34j
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having researched this topic for myself I found Churchill to offer good cover and a competitive price for an annual policy.If you are over 65 you may find worldwide cover uneconomic and therefor take european cover for an annual policy and buy worldwide as and when you need it
ken34j@yahoo.co.uk |
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Michael W
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I had this problem....
If you are healthy and don't go to the doctor much, I changed to a high deductible health plan with a health savings account. I now take the difference between my monthly budget for insurance ($65) and the new premium ($65) and put it into the HSA account.
What's best of all, I can now get tax advantages for all sorts of medical devices and treatments. Without an HSA, you can only deduct medical expenses if they exceed 7% of annual income. Now, I can deduct something around 2,700 a year from my taxes by contributing to the HSA.
If your health plan is employer sponsored, you might be able to get them to contribute directly to your HSA in lieu of the health insurance premium they pay to their group plan for you.
The best bank I found to have my HSA account with is actually in my town, Cattle National Bank & Trust in Lincoln, NE. They have accounts for people all over the country. |
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nicksname
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Just cancel it and take a risk. If anything major happens the hospital will not leave you to die. |
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scallywag
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contact a broker to get quotes from different companies. You may be able to get a quote from a price comparison website like moneysupermarket.com. |
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patrickrolink
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join a health club instead |
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Krustyart
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who cares! Get on welfare and medicaid! |
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