Kids' Obesity May Lead to Epidemic of Adult Diabetes (HealthDay)
Health insurance premiums have skyrocketed over the past few decades for a few reasons. Improved technology has helped us live longer, but has also increased the cost of health care. MRIs, special surgical procedures buy creatine monohydrate powder new tests and screenings have added to the cost of health care.
The second reason for the high price of health care has been lack of due diligence in cost cutting. Both insurance companies and individuals are not cost conscious enough. We have all become careless consumers. There have been stories of aspirins being sold for $30 in the hospital setting.
But what can be done? For one, you can look for a less expensive policy. Remember, no matter what insurance policy you get, through shared risk the insurance company must make money.
You might want to consider a policy with a higher deductible. This could reduce your monthly premiums. There is a trade-off: Lower premium payments in exchange for a higher deductible.
Our surveys have found that PPOs are typically less expensive than the all-inclusive HMOs. Sure, the HMO may cover more medication and more doctor's visits, but they also cost more.
Basically, those considering the low cost PPOs want to be covered if something major happens. They are willing to pay for the antibiotics if they get a cold, but they want help paying for major illnesses.
The PPOs might save you money and give you more flexibility in regards to doctors. The new Health Savings Accounts (HSA) are another great option for saving money. Consider all your options before you buy.
Affordable Health Insurance Policy Tips And Quote Comparison Chart
Health Insurance Terms Explained Including Coinsurance and Copayment
posted by Nutrition444gnsc at 4:55 AM
0 Comments:
Post a Comment
<< Home