Cheaper health care is available by doing some comparison-shopping.
Everyone loves a bargain. Why wouldn’t they be overjoyed to get something at a better price than they thought they might have to shell out in the first place? This is why it actually does pay to shop around for cheaper health insurance premiums.
This doesn’t mean dive right into the first, less expensive option found. It means taking the time to compare what’s on one site with another one. It might sound like a major drag to do that, but if it saves money and gets what’s needed for health care, then it’s well worth it.
Once something is found that should work, this is where people need to fish or cut bait. Pick up the phone and call the health insurance agent on duty and start asking some pointed questions about the plan(s) listed on the website. Talking to an agent is the best way to find out the rules and the exceptions to the rules – which are often more important that what is covered.
Just because something on a health insurance website that has a “to die for” kind of price, don’t take it as being the absolute truth. The sites are designed to provide general information only. Each case will be different and this is why expecting to get what is on a website won’t work. For instance there may be an example of what a person may pay if they happen to be XX age, in XX health without XX illnesses.
Confused? This is one of the reasons people prefer talking to an agent and getting instant feedback. Reading information on a website, while good for generalities, doesn’t do much for the specifics of particular situations. This is particularly true if pre-existing conditions are brought into the equation. Those make a significant difference to health insurance premium rates.
While shopping for health insurance is not the most fun thing in the world, it can be a lot easier and less expensive if done the right way. Take the time to find all the options before making a final decision.